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Best Travel Insurance from Canada to Florida

Best Travel Insurance for Canadians

Age
Spouse
Start Date
End Date
Coverage Region
Including USA
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Canadians
QUOTES
Safe Travels USA Comprehensive
Plan Maximum
Deductible
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Patriot America Plus
Plan Maximum
Deductible
Pre-existing
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Diplomat America
Plan Maximum
Deductible
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Visitors Protect
Plan Maximum
Deductible
Minimum Enrollment is 90 Days
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  Travel insurance providers
star Rating: "A" (Excellent)
edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Available for non U.S. citizens / residents visiting the USA, up to 89 years old
  • Coinsurance: After deductible, plan pays 100% up to the policy maximum
  • Direct Billing: First HealthCare First health care Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: 100% up to $1,000,000
  • Maternity: Emergency medical treatment for pregnancy, up to $1,000
  • Urgent Care: $30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $50,000
star Rating: AM Best "A"
edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Acute onset of pre-existing condition: $20,000 up to age 65 and $10,000 over age 65.
  • Emergency medical evacuation: Up to maximum limit
  • Urgent care: Covered
  • Trip interruption: Up to $7,500
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $1M
star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best travel medical insurance for non-US citizens visiting the US, up to 99 years old
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%
  • Direct Billing: First HealthCare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains: Up to maximum limit
star Rating: "A" (Excellent)
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best medical insurance for visitors to USA, up to 99 years
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, pays 80% up to $1,000, then 100% up to the max limit
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Pre-existing condition: Not covered
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care: $30 per incident; no copayment if deductible is $0.
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains: Up to maximum limit
star Rating: "A" (Excellent)
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct Billing: Through IPA Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care: $30 per incident; no copayment if deductible is $0.
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains: Up to maximum limit
star Rating: AM Best Rating: "A" (Excellent)
edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Coverage for non-US residents traveling to the USA, up to 99 years old
  • Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
  • Direct Billing: No PPO, visit any doctor or hospital
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: Up to $250,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $50,000
star Rating: AM Best Rating "A" (Excellent)
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Coinsurance: After deductible, plan pays 100% up to policy maximum.
  • Direct Billing: Through IPA Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to maximum limit
  • Urgent Care: 30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains: Up to overall maximum limit
star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best travel medical insurance for non-US citizens visiting the USA, Canada and Mexico, up to 99 years old
  • Coinsurance: In-network: After deductible, plan pays 75%
  • Out-of-network: After deductible, pays 60% of eligible expenses up to $5000, then 100%
  • Direct Billing: First HealthCare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Pre-existing condition: Covers up to 99 years.
  • Emergency medical evacuation: Up to $25,000
  • Urgent Care: $25 per incident; no copayment if deductible is $0
  • Repatriation of Remains: Up to $25,000
  Snowbirds Travel Insurance – Highlights
  • This includes coverage for medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and accidental death & dismemberment.
  • Extendable with uninterrupted coverage for up to 24 consecutive months.
  • Sports Activity Coverage available.
  • Safe Travels International is a primary travel medical insurance.
  • Extendable with uninterrupted coverage for up to 24 consecutive months.
  • Optional Upgrades include - trip delay maximum, increased AD&D and athletic sports.
  • This is a comprehensive short-term travel medical plan.
  • US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
  • The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. (when the $0 deductible is selected)
  • Short-term travel medical coverage.
  • Coverage for travelers outside their residence country whose destination excludes the US and its territories.
  • Patriot international insurance schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.
  • This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US.
  • This plan can be renewed for up to 2 years.
  • Patriot America offers coverage for adventure sports and other sports activities.
The Diplomat America plan is designed to cover Non-U.S. residents traveling to the United States
  • Accident and sickness plan that covers you inside the United States (15 days up to 365 days)
  • The plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible
  • The policy maximum options available $8M.
  • This plan is renewable up to 36 months.
  • Covers Emergency medical evacuation available for up to $1M.
The plan is ideal for visitors traveling from their home country to the U.S., Canada, and Mexico.
  • Limited pre-existing condition coverage.
  • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone.
Canada travel insurance - Brochure & Details links

Travel insurance for Canadians to the Florida

🌴 Travel Insurance for Canadians Visiting Florida

Florida’s sunny beaches, vibrant cities, and world-class attractions make it a favorite destination for Canadian travelers and snowbirds. But while the Sunshine State offers endless fun, the high cost of U.S. healthcare and the fact that Canadian provincial health plans don’t cover you in Florida make travel medical insurance for snowbirds essential.

With the cheap travel insurance for Florida, Canadians are protected against:

  • 🏥 Emergency medical expenses.
  • ✈️ Trip interruptions or delays.
  • 🚑 Emergency medical evacuation.
  • 🎒 Lost or delayed baggage.

Affordable travel insurance for Canadians to Florida provides peace of mind, so you can focus on enjoying your time without worrying about unexpected bills or disruptions.

💡 Tip for Snowbirds: Compare the best Florida travel insurance options on American Visitor Insurance to find the plan that fits your needs whether you want budget protection or comprehensive coverage for an extended stay.

New Travel Requirement for Canadians Visiting USA for More Than 30 Days

Canadians traveling to the US for more than 30 days are required to register with US immigration authorities and provide fingerprints. This will be a strict enforcement of an existing law which was previously applied inconsistently and aims to improve compliance with US immigration regulations.

This new rule, issued by the Department of Homeland Security (DHS), applies to all foreign nationals crossing the US-Canada land border who are 14 years or older and staying for more than 30 days in the USA. This will impact close to 3 million Canadians annually, including around 1 million "snowbirds" who spend extended winters in the US.

Canadian professionals on long-term assignments in the US must comply with the new registration and fingerprinting requirements. However, short-term visitors to the US, such as tourists and cross-border shoppers should not be impacted.

Sample Costs in Florida: What You Might Pay vs What Insurance Covers

Medical Service Typical Charge (Florida, uninsured) Traveler’s Portion* Insurer’s Portion* Notes / Caveats
ER Visit (Non-severe) ≈ $3,100 Deductible + co-insurance (e.g. 20–30%) Remainder up to policy limit Many U.S. hospitals in Florida charge around $3,100 for ER visits without insurance.
Ambulance Transport $500 – $1,000+ (estimate) Deductible + 20–30% Remainder Ambulance charges vary by distance, urgency, services used.
Hospital Stay (1 day, non-ICU) ≈ $2,800 – $3,000 Deductible + co-pay / coinsurance Remainder up to daily room + services Florida hospital stay costs are higher than many states; average U.S. daily inpatient cost ~ $2,826 in Florida.
Surgery (routine procedure) Varies widely Deductible + coinsurance Remainder up to policy max Even a “simple” surgery can escalate in cost due to surgeon, anesthesia, facility fees.
ICU / Intensive Care (per day) $5,000+ to $8,000+ (illustrative) Deductible + higher coinsurance Most of the charge under a good policy A reported ICU room in Florida was billed at $8,158/day in one real case.
Multi-day hospital + complications $20,000 – $50,000+ (or more) Up to deductible + coinsurance Remainder up to policy max Costs rise quickly with complications, lab tests, imaging, specialists.

* Traveler’s Portion vs Insurer’s Portion: These depend on your specific insurance policy (deductible, coinsurance %, network, limits). The “Traveler’s Portion” might include your deductible, co-pay or coinsurance, and any amounts above policy limits. The “Insurer’s Portion” is what your insurer agrees to pay, subject to policy maximums and terms.

Disclaimer: The numbers are illustrative and the actual costs vary by hospital, severity, network status, etc.

🌴 Florida Health & Safety Checklist for Canadians

Florida is a wonderful destination for snowbirds and tourists, but it comes with certain risks that make travel insurance essential.
  • ☀️ Heat & Dehydration – Common in summer and even winter months; hospitalization is expensive.
  • 🦟 Mosquito-Borne Illnesses – Dengue and Zika occasionally reported.
  • 🌀 Hurricanes & Tropical Storms – Can cause flight delays, cancellations, or trip interruptions.
  • 🚑 Accidents & Falls – A common reason for ER visits among senior travelers.
  • 🏥 Limited Access in Remote Areas – The Florida Keys and rural areas may require medical evacuation.
✅ With travel medical insurance, Canadians can get emergency care, evacuation, and hospital treatment without facing overwhelming bills.

📊 Sample Plan Comparison: Canada → Florida Travel Insurance

Here’s how some popular plans stack up for Canadian visitors to Florida (illustrative monthly rates for a 60-year-old, 30-day trip):
Plan Name Type Medical Maximum Deductible Pre-existing Coverage Approx. Monthly Cost
Safe Travels USA Comprehensive Comprehensive Up to $1M $250 Covers Acute Onset $120–$150
Patriot America Plus Comprehensive Up to $1M $250 Covers Acute Onset $130–$160
Visitors Care Fixed Benefit Up to $100K $100 Limited $70–$90
💡 Tip: Comprehensive plans (like Safe Travels USA Comprehensive or Patriot America Plus) provide stronger protection in Florida, where medical costs are higher than the U.S. average. Fixed benefit plans (like Visitors Care) may look cheaper but can leave bigger out-of-pocket bills.

⏳ What if You Stay Longer in Florida?

Many Canadian snowbirds extend their stay in Florida. Some insurance plans allow policy extensions if requested before the current policy expires. Always:

  • Apply for extension before your current plan ends.
  • Confirm coverage for pre-existing conditions if applicable.
  • Ensure your visa status also allows a longer stay.

✈️ Florida Travel Insurance Quick Checklist for Canadians

  • Buy coverage before leaving Canada.
  • Choose a plan with at least $100,000 coverage (more recommended).
  • Confirm coverage for acute onset of pre-existing conditions.
  • Carry a copy of your insurance ID card and emergency numbers.
  • Check whether Florida hospitals are in the plan’s PPO network.
  • Consider trip interruption coverage for hurricane season travel.

Visitors Health Insurance – Florida Medical Costs

Florida is one of the most popular U.S. destinations for Canadian snowbirds and international visitors. But medical care in Florida is very expensive if you don’t have insurance. Even routine treatment can cost hundreds of dollars, while serious emergencies can run into the tens of thousands.

💊 Sample Medical Costs in Florida

  • Doctor’s visit – about $175 – $200.
  • Echocardiogram – ranges from $1,200 – $2,800 depending on provider.
  • Emergency room for diabetes with hyperglycemia – $3,000 – $5,500.
  • Stroke with 10 days in ICU – can exceed $120,000.
  • Heart attack treatment (ambulance, ER, ICU, scans, follow-up) – around $22,000 – $28,000.
  • Acute kidney failure treatment – more than $23,000.

📈 Why Florida Healthcare Costs Are High

  • Florida is home to many private hospitals and advanced specialty centers, which charge premium rates..
  • Retiree-heavy populations mean higher demand for cardiology and chronic care.
  • Emergency room visits in tourist hubs like Miami, Orlando, and Tampa are often billed at higher rates..

🛡️ Why Visitors Insurance For Snowbirds Is Essential in Florida

  • Without insurance: Travelers are billed full retail rates, often unaffordable..
  • With insurance: PPO network pricing can lower bills dramatically..
  • Snowbirds at risk: Older Canadians spending winters in Florida are at greater risk of needing urgent care for chronic or age-related conditions.

Best Travel Insurance from USA or Canada

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Medical Insurance for U.S. Citizens Living in Canada Visiting the US

Many U.S. citizens and expats living in Canada travel frequently to the United States—whether to visit family, for business, or for personal reasons. Having the right travel insurance for U.S. expats visiting USA is essential to protect against unexpected medical costs. At American Visitor Insurance, we offer the best options for short term travel health insurance in USA for U.S. citizens visiting the country.

Plans designed by IMG, a reputed U.S. insurance provider, include Patriot America Lite, Patriot America Plus, and Patriot Platinum America. Another popular option is Diplomat America insurance from Global Underwriters, which is widely chosen by U.S. citizens traveling to USA.

The cost of U.S. expat returning to USA health insurance depends on factors such as the traveler’s age, duration of coverage, chosen policy maximum, and deductible. Comparing these plans ensures that U.S. citizens and expats in Canada can find affordable and reliable coverage while visiting the United States.

Cost of health insurance for US expats visiting the USA in 2025

Approximate monthly cost of expat health insurance for visiting USA for a 40-year-old traveler with a $100 deductible.

Travel insurance USA Coverage Provider Network Cost
Patriot America Lite $50,000 United Healthcare Provider Network $79
Patriot America Plus $50,000 United Healthcare Provider Network $84
Patriot Platinum America $2,000,000 United Healthcare Provider Network $161
Diplomat America $50,000 No PPO $138

Source: American Visitor Insurance®

Best Travel Insurance for US Citizens Visiting the USA

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Floridaflag

General Information About Florida

  • location_city Capital: Tallahassee
  • location_on Location: Southeast region of the United States
  • attach_money Currency: US Dollar
  • language Language: English
  • groups Population: Around 22.6 million
  • event Best time to visit: December through May
  • map Vacation spots: Epcot, Walt Disney World Resort, Everglades National Park, Miami Beach.

What Are the Popular Tourist Destinations in Florida?

Panama City Beach Florida travel insurance for visitors

Panama City Beach

Panama City Beach attracts visitors from across the southern United States and thousands of students during spring break, making it a top Florida vacation spot.

Miami Florida beaches nightlife culture travel insurance

Miami


Miami, located on Florida’s southeastern coast, is famous for its sunny beaches, lively nightlife, cultural diversity, and easy access to cruise vacations.

Orlando Florida theme parks Disney World Universal travel insurance

Orlando


Orlando is the world’s ultimate theme park capital, home to Walt Disney World, Epcot, Universal Studios, and SeaWorld, attracting millions of families every year.

Clearwater Beach Florida best beach town travel insurance

Clearwater Beach


Clearwater Beach, separated from the city of Clearwater by the Intracoastal Waterway, has been voted one of Florida’s best beach towns by USA Today readers.

Factors Determining Travel Insurance from Canada to Florida

The cost of travel insurance for Canadians visiting Florida depends on multiple factors such as the age of the traveler, type of plan, duration, medical maximum coverage, and add-on benefits. Understanding these factors helps Canadian snowbirds, seniors, and frequent travelers choose the best Florida travel medical insurance.

👵 Age of the Traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler, the higher the cost of visitors health insurance when traveling to Florida from Canada.

📋 Type of Travel Insurance

Comprehensive travel insurance plans that provide exhaustive coverage are more expensive than fixed benefit travel insurance. Canadians visiting Florida should compare both options before purchasing.

🏥 Medical Maximum Coverage

The price of travel insurance is directly dependent on the maximum medical coverage chosen. A higher medical maximum increases costs, while the deductible helps reduce the premium.

🌎 Region of Coverage

Travel insurance pricing varies depending on the region of coverage. Health insurance for travel to the United States, especially Florida, is often more expensive compared to other destinations.

⏳ Duration of Travel Insurance

The longer the duration of visitor medical insurance, the higher the cost. Canadian snowbirds staying in Florida for extended periods should plan coverage accordingly.

➕ Add-On Benefits

Additional add-on benefits like adventure sports coverage, trip interruption, or evacuation services increase the overall cost of coverage for Canadians traveling to Florida.

How to Buy Florida Travel Insurance from Canada Online

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Get a Quote for Florida Travel Insurance from Canada
Complete an online US visitor insurance quote form by providing traveler details and coverage preferences.
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Compare Travel Insurance Options for Florida
Compare the benefits, coverage limits, and pricing of different available US travel insurance plans carefully to find the best fit.
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Purchase the Best Florida Travel Insurance Online
Buy your chosen US visitor health insurance plan securely online using a credit card and complete the application quickly.
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Review Your Florida Travel Insurance Documents
Check your email for your US visitor insurance policy, verify coverage details, and save important contact information.

Best Health Insurance Options for Canadian Snowbirds in Florida

As a Canadian snowbird heading to Florida, one of the biggest decisions is whether you need coverage for pre-existing medical conditions. Your choice will determine which plan type—and price point—makes the most sense for you.

❌ If Pre-Existing Condition Coverage Is Not Essential

  • You can save money by choosing plans that focus on general emergency coverage.
  • Both fixed benefit and comprehensive plans are available.
  • Popular budget-friendly choices include:
  • These plans can be purchased before leaving Canada for trips up to 12 months.
  • Full refund available if cancelled before the start date.
  • Extendable in 5-day increments without returning to Canada.

😷 If You’re Okay with No COVID-19 Coverage

💡 Great option if you are fully vaccinated or want to reduce costs.

❤️🧠 If You’re Concerned About Cardiac or Stroke Coverage

  • Specialized plans offer extra protection for heart issues and strokes:
  • Coverage amounts:
    • Up to $25,000 for ages under 70
    • Up to $15,000 for ages 70–89
📝 Choosing the Right Plan

With so many options—budget-friendly, COVID-excluded, or extra heart/stroke protection—it really depends on your health needs and comfort with risk.

👉 If you’re unsure, the team at American Visitor Insurance can help you

Which Is the Best Travel Insurance for Canadians Visiting the USA?

When Canadians are planning a trip to the USA, selecting the right travel insurance is crucial, especially for those with pre-existing medical conditions. Among the available options, the following INF plans stand out for their comprehensive coverage and benefits:

SafeVista Protect
Affordable comprehensive plan covering acute onset of pre-existing conditions.
Policy Maximum?
$100,000 - $1,000,000
Deductible?
$0 - $5,000
Period of Coverage?
10 days to 364 days
Pre-ex coverage?
Acute on set pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
PPO Network?
First health care Provider Network
Starting at
$70/month ?
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INF Premier X
Affordable fixed-benefit plan with full pre-existing condition coverage.
Policy Maximum?
$100,000 - $1,000,000
Deductible?
$75 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $85,000
PPO Network?
First health care Provider Network
Starting at
$244/90 days ?
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INF Premier X Plus
Fixed-benefit plan with full pre-existing, preventive, and maintenance care.
Policy Maximum?
$300,000
Deductible?
$75 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $45,000
PPO Network?
First health care Provider Network
Starting at
$960/90 days ?
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INF Elite X
Comprehensive plan covering 80% of eligible medical expenses with full pre-existing protection up to age 99.
Policy Maximum?
$$150,000 - $1,000,000
Deductible?
$100 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
PPO Network?
First health care Provider Network
Starting at
$548/90 days ?
Buy Online »
INF Elite X 90
Comprehensive plan covering 90% of eligible medical expenses with full pre-existing protection up to age 99.
Policy Maximum?
$$150,000 - $1,000,000
Deductible?
$100 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
PPO Network?
First health care Provider Network
Starting at
$632/90 days ?
Buy Online »
INF Elite X Plus
Comprehensive plan 90% coverage with full pre-existing, preventive, and maintenance care up to age 99.
Policy Maximum?
$150,000 - $300,000
Deductible?
$100 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
PPO Network?
First health care Provider Network
Starting at
$995/90 days ?
Buy Online »

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Canadian Snowbird travel insurance for Florida - FAQ

1. Can a Snowbird visitor get health insurance while visiting Florida in USA?

Yes. Snowbird visitors and tourists traveling to Florida in the USA can purchase travel health insurance for the duration of their trip. It is recommended that Canadian Snowbird visitors buy travel insurance for Canadian Snowbird visitors from the day they leave their home country until they return. Most insurance companies also allow travelers to purchase coverage even after the trip has already started.

2. How does Snowbird travel insurance work?

Snowbird travel medical insurance covers unexpected medical expenses during your trip. Many travel insurance plans for Canadian Snowbirds to Florida also include benefits such as baggage loss or delay, trip delays, and assistance with lost documents. In emergencies, you can use any doctor or hospital. For non-emergencies, following your policy guidelines and staying in-network (if applicable) can help reduce out-of-pocket costs while in the US.

3. Do Snowbird tourists need travel insurance for Florida?

Most home-country health insurance plans do not cover Snowbirds traveling to the US. In countries with high medical costs like the US, purchasing international travel insurance is strongly recommended. Florida travel health insurance for Canadian Snowbird tourists helps cover medical expenses and often includes additional travel benefits such as trip delay, trip interruption, and baggage loss to help travelers stay on track during their trip.

4. How much Florida travel insurance do Snowbird travelers need?

The recommended coverage for Snowbird travelers visiting Florida depends on the destination. For example, trips to Europe or the Philippines may only require a $50,000 coverage maximum. For travel to the US, higher coverage amounts of $500,000 or even $1 million are often suggested due to the high potential cost of medical care.

5. What happens if a Snowbird tourist gets sick in USA?

Snowbird tourists can visit urgent care clinics, schedule appointments with doctors, or go to hospitals if needed. However, without proper coverage, they must pay out-of-pocket for all medical care. This is why we recommend getting travel or US tourist health insurance for Snowbirds for the duration of their stay in the USA.

6. How do I make a claim with Canadian Snowbird travel insurance while in Florida?

In the event of a covered incident, contact your Canadian Snowbird travel insurance provider's claims department immediately. They will guide you through the claims process, provide documentation requirements, and assist with reimbursement procedures while you are in Florida.

7. Can Canadian Snowbirds extend their travel insurance coverage if they stay in Florida longer than planned?

Yes, Canadian Snowbirds may be able to extend their travel insurance coverage for Florida if they decide to stay longer than initially planned. Coverage extensions vary by insurance provider, so it’s important to check your policy for specific terms and costs.

Contact your insurance provider early to discuss extension options. For assistance, you can call American Visitor Insurance at 877-340-7910 to extend your Snowbird travel insurance for Florida.

8. Are there specific requirements or documents Canadian Snowbirds need to provide when purchasing travel insurance for Florida?

Requirements vary by insurance provider. Typically, you need to provide personal information, trip details, and any pre-existing medical conditions. It is recommended to have all necessary travel and medical documents ready when completing the Snowbird insurance form on American Visitor Insurance.

9. Does Canadian provincial health insurance cover medical expenses while Snowbirds are in Florida?

Canadian provincial health insurance offers very limited coverage outside Canada. It is crucial for Canadian Snowbirds to understand their provincial coverage and consider supplementary travel insurance for Florida available on American Visitor Insurance for comprehensive medical protection during their stay.

10. How much does it cost to be a Snowbird in Florida?

The cost of being a Snowbird in Florida varies depending on the length of stay, location, and type of accommodation. According to recent surveys, the median rent for a single-family home in Florida is $1,500 per month, while groceries and gas cost approximately $1,000 monthly.

It is crucial to have the best Snowbird health insurance in Florida because of the very high cost of US healthcare. Canadian provincial health insurance provides very limited coverage outside Canada, making proper Snowbird health insurance for Florida essential for financial protection during your stay.

11. How long do Snowbirds stay in Florida?

The standard rule for Canadian Snowbirds is that they can stay in Florida for up to six months at a time using a B1/B2 visa. This duration allows Snowbirds to enjoy the warmer climate during the harsh Canadian winter.

12. Does Canadian Snowbird travel insurance cover pre-existing medical conditions?

Coverage for pre-existing medical conditions varies by insurance provider. Some Canadian Snowbird travel insurance policies available on American Visitor Insurance cover pre-existing conditions, others cover only the acute onset of pre-existing ailments, and some may exclude them or require additional coverage. It is important to compare different pre-existing conditions coverage options on American Visitor Insurance and review the policy terms to understand the protection provided.

Canadian Student Insurance for Studying in Florida

Florida’s universities and research centers attract many Canadian students each year. However, U.S. healthcare is very expensive, making student health insurance essential for Canadians studying in Florida.

Why Insurance Is Needed

  • Most Florida university-sponsored student health plans are very costly.
  • Affordable alternatives are available through American Visitor Insurance.
  • These plans are:
    • Accepted by many universities as they meet waiver requirements.
    • Comparable in benefits but much cheaper than university-offered coverage.

The I-20 Visa for Canadian Students in the U.S.

  • Canada and the U.S. have a close educational relationship.
  • Canadian students studying in the U.S. typically need an I-20 visa issued by the college or university.
  • Some universities provide their own health insurance, while others require students to purchase coverage separately.

Choosing the Right Plan

Canadian students can compare and purchase affordable student health insurance for Florida that:

  • Meets U.S. visa and university requirements
  • Covers medical emergencies, hospitalization, and prescriptions
  • Protects against unexpected healthcare bills in Florida
👉 This ensures students can focus on their studies without the stress of medical costs.

1. What health insurance can Canadian students purchase?

Canadian students studying abroad, particularly in the US, cannot enroll in regular health care plans available to citizens. However, there are several health insurance options for Canadian students available through our website. Institutional health plans may be offered by schools, but these are often more expensive than the plans we provide. These institutional plans are comprehensive, covering wellness, pre-existing conditions, maternity, mental health, and nearly all health care needs.

For students focused on more economical options, there are tailored international student health insurance plans for Canadian students that provide essential coverage without the high cost of institutional policies.

2. What plans do you recommend for Canadian students and why?

Canadian students studying in the US can purchase student health insurance through our website. The best options are offered by IMG and Global Underwriters.

Global Underwriters plans are ideal if the student participates in official sports teams or clubs. You can add an optional collegiate sports rider to cover sport-related injuries (low, medium, and high; note some sports like XX football may not be covered).

IMG offers several student options, including Patriot Exchange, Student Health Advantage, and Student Health Advantage Platinum. Patriot Exchange is very economical but excludes maternity and mental health coverage.

Student insurance plans must be purchased in whole months. For example, if a student needs coverage for one month and a few extra days, they will be billed for two full months. Plans automatically terminate when the student returns home.

Snowbird Travel Insurance Reviews

Snowbird tourism refers to travelers from Canada or the northern US who spend their winters in warmer southern regions, either within the United States or abroad. Around 500,000 Canadians escape harsh winters and head south to the United States, particularly the state of Florida. With the expensive healthcare system in the US, even routine physician visits can be very costly.

If you fall ill or get injured while abroad, out-of-pocket medical expenses can be financially crippling without sufficient Canadian health insurance in USA or travel health insurance from Canada. Medical bills can easily reach hundreds of thousands of dollars.

1. Will my Canadian health insurance cover me in the US?

This is a common question. The Canadian Government website clearly states that Canadian health insurance is not valid outside Canada. It is strongly recommended to buy health insurance for Canadians in USA.

2. Can a Canadian citizen get health insurance in the US?

Yes, there are several options for health insurance for Canadian visitors to USA. To find the best Canadian travel insurance for seniors or Canadian snowbird travel insurance, you can check older traveler US health insurance for Canadian snowbirds plans.

Travel insurance for Canadian seniors with pre-existing medical conditions provides coverage based on age and medical maximums for their Snowbird destinations. It is important to compare different US health insurance for Canadian snowbirds and make an informed choice when buying snowbird health insurance for Canadians traveling to the US.

Canadians visiting the US multiple times in a year can consider an Annual Multi-Trip Plan, which offers coverage for the whole year with a limit for each trip (30, 45, 60 days depending on the plan). This is more economical than buying separate US health insurance for Canadian snowbirds for each trip.

Dual citizens with Canadian and US citizenship can purchase insurance for visiting the US from Canada by selecting Canada as the home country and the US as the country of citizenship to buy US travel insurance for their US visits.

3. What are the important tips for Canadian Snowbirds?

Important tips for Canadian Snowbirds:

Annual Multi-Trip Travel Insurance for Canadians Visiting Florida

Many Canadians travel to Florida multiple times a year, whether for business, corporate work, or frequent leisure trips. For these regular travelers, buying single-trip insurance every time can be inconvenient and expensive. That’s where annual multi-trip travel insurance comes in.

Why Choose Annual Multi-Trip Insurance?
  • Saves time and money for frequent flyers.
  • Provides year-round protection for multiple journeys.
  • Covers unexpected medical emergencies during every trip.
Patriot Annual Multi-Trip Insurance (Great for Canadian Travelers)
  • Ideal for business and corporate travelers heading to Florida or worldwide
  • Covers unlimited trips in a year, with each trip lasting:
    • Up to 30 days, or
    • Up to 45 days.
  • Medical coverage maximum: $1 million
  • Eligible for travelers up to age 76
  • Renewable for up to 3 years
  • Includes coverage for pre-existing conditions
👉 For Canadians who travel frequently to Florida, this type of plan offers convenience, flexibility, and peace of mind, ensuring they’re protected on every trip without having to reapply each time.

International Health Insurance for Florida

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Annual Travel Insurance for Florida

Provides coverage for multiple trips to Florida within a specified period, ensuring comprehensive protection for international travelers.

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Senior Citizens Travel Insurance for Florida

Health insurance specifically designed for senior citizens traveling to Florida, ideal for snowbirds and retirees.

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Pre-existing Travel Insurance for Florida

Provides coverage for travelers with pre-existing medical conditions visiting Florida, ensuring peace of mind during your trip.

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Expatriate Health Insurance for Florida

Comprehensive health insurance for expatriates working or living in Florida, covering medical expenses abroad.

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Snowbird Travel Insurance for Canadians

  • Every winter, thousands of Canadians, especially senior citizens, travel to southern destinations to enjoy warmer and more pleasant weather. These seasonal travelers are commonly called Snowbirds.
  • To stay safe while abroad, it is crucial for Canadian Snowbirds to have Snowbird travel insurance for Canadians, ensuring they are protected from unexpected medical expenses.
  • Canadian domestic health insurance does not provide coverage outside the country.
Visitor travel insurance for Canadians
  • Purchasing reliable overseas travel insurance from Canada is strongly recommended by Canadian government authorities.
  • Traveling without insurance in countries like the US or Europe can be risky due to high healthcare costs.

👉 Learn more about how to protect yourself while traveling as a Canadian Snowbird: Know more »

Best Snowbird Travel Insurance Canada

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Canadians Annual travel insurance

Provides coverage for multiple trips within a specified period, typically one year.

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Canadians Senior citizens travel insurance

Travel insurance designed for older individuals, often referred to as "snowbirds".

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Snowbird pre-existing conditions travel insurance

Provides coverage for individuals with pre-existing medical conditions, particularly for "snowbirds".

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⚡ Get Quote

Which providers offer Canadian medical insurance in the USA?

You can find reliable US insurance providers like International Medical Group(IMG), Global Underwriters, Trawick International and INF insurance.

Which are the best visitors insurance companies in USA?

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