Best travel insurance from Canada to Florida

Best travel insurance for Canadians

Start Date
End Date
Coverage Region
Including USA
Safe Travels USA Comprehensive
Plan Maximum
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Patriot America Plus
Plan Maximum
Plan offers coverage for Covid19
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Diplomat America
Plan Maximum
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  Travel insurance providers
  Snowbird insurance coverage for acute onset of Pre-existing conditions
Sudden and Acute Onset of a Pre-Existing Condition Unexpected Recurrence of a Pre-Existing Medical Condition: up to $20,000 up to age 65 then up to $10,000 for over age 65 Acute onset of a pre-existing condition Up to maximum limit below age 70 Not Covered Acute onset of a pre-existing condition Up to maximum limit below age 70 24 months waiting period
  • Ages 14 days to 64 years: Up to $50,000
  • Ages 65 to 74 years: Up to $10,000
  Travel insurance from Canada - 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
  • Travel Medical Plus is a comprehensive medical coverage, it has an extensive network of providers.
  • Liaison coronavirus travel insurance offers coverage for overseas medical expenses arising from Covid19 infection while the travellers are outside their home country.
  • Covers up to 10 travelers and offers group coverage for 10 or more travelers.
  Snowbird travel insurance coverage
Safe travels USA Comprehensive visitors insurance offers US Travel insurance for Covid illness. Safe Travels International Insurance covers COVID19 expenses and treated as any other sickness Not Available Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Diplomat America Covid Insurance by Global Underwriters offers coverage for Covid19 as a new sickness. Usual, Reasonable, and Customary up to Medical Maximum or $100,000; whichever is less
brochure Travel insurance Canada to US - Brochure & Details links
» Safe Travels USA Comprehensive Brochure
» Safe Travels USA Comprehensive Details
» Safe Travels USA Comprehensive Reviews
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» Patriot America Insurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
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» Diplomat America Insurance Brochure
» Diplomat America Insurance Details
» Diplomat America Insurance Reviews
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Florida Travel Insurance

Travel insurance for Canadians to the Florida

Travel medical insurance for snowbirds is essential for traveling to Florida given the high cost of US healthcare and that the Canadian health insurance is not option while in Florida. With its sunny beaches, vibrant cities, and exciting attractions, Florida offers a wide range of experiences for travelers. However, unexpected events such as medical emergencies or lost baggage can disrupt even the most carefully planned vacations. That's where travel insurance comes in. By obtaining Cheap travel insurance to Florida, Canadians can have peace of mind knowing that they are financially protected in case of unforeseen circumstances. Whether it's medical expenses, trip interruptions, or emergency medical evacuations, travel insurance ensures that Canadians can enjoy their time in Florida without worrying about potential setbacks. It is important for Canadians travelers to the Florida to compare the best snowbird medical insurance plans on American Visitor Insurance and make an informed decision and find the one that suits your specific needs, offering reliable coverage for your trip to the Sunshine State

Florida FlagFlorida - General Information



Southeast region of the United States

US Dollar

Around 22.6 million

Best time to visit
December through May

Vacation spots
Epcot, Walt Disney World Resort, Everglades National Park, Miami Beach.

Popular tourist destinations in Florida

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Panama City Beach

Panama City Beach is a popular destination for residents of the southern United States as well as tens of thousands of high school and college students on spring break.

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Miami is a major city located on the southeastern coast of the state of Florida in the United States. It is known for its warm weather, beautiful beaches, vibrant nightlife, and diverse culture.

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Orlando is theme-park city, having more theme parks than any place else in the world. There’s Walt Disney World, Epcot Center, Universal Studios, SeaWorld and Gator Park.

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Clearwater Beach

Clearwater Beach is separated by the city of Clearwater by the Intracoastal Waterway. USA Today readers in 2013 named it Florida’s Best Beach Town

International travel health insurance

Highlights of international travel insurance coverage benefits

Factors determining travel insurance from Canada to Florida

Age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage

The price of travel insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for travel health insurance in some countries is more expensive than others.

Duration of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits like adventure sports coverage … will increase the cost of coverage.

Steps to buy
Travel insurance for Florida from Canada

 1: Find International travel insurance Florida from Canada

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the travel insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

 4: Review insurance plan documents received by email

Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Travel insurance for Florida

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International travel health insurance

Highlights of international travel insurance coverage benefits

Canadian Snowbird travel insurance for Florida - FAQ

01.   Can a snowbird visitor get health insurance visiting Florida in USA?

Yes. Snowbird Visitors and tourists to Florida can all buy travel health insurance in the US. We recommend the travel insurance for Canadian snowbird visitors to be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.

02.   How does Snowbird travel insurance work?

Snowbird travel medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for Canadian Snowbirds to Florida also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.

03.   Do Snowbird tourists need travel insurance to Florida?

Often health insurance from a home country will not cover Snowbirds while they are traveling in a different country. If they are in a country with high medical costs such as the US, they should consider purchasing international travel insurance in case they should need any medical care. The Florida travel health insurance for Canadian Snowbird tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.

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

The maximum of the health insurance for Snowbird travelers visiting Florida will depend on where they are going. For example, if they are headed to Europe or the Philippines, $50,000 may be enough for your trip. If they are going to the US, you may opt for a much higher maximum ($500,0000 or $1 million) if possible due to the higher potential cost of care in those countries.

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

Snowbird Tourists can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US tourist health insurance for Snowbirds for the duration of their stay.

06.   How do I make a claim with Canadian snowbird travel insurance while in Florida?

In the event of a covered incident, contact your travel insurance provider's claims department as soon as possible. They will guide you through the claims process, provide the necessary documentation requirements, and assist with reimbursement procedures

07.   Can Canadian snowbirds extend their travel insurance coverage if they decide to stay in Florida longer than initially planned?

Yes, Canadian snowbirds may be able to extend their travel insurance coverage if they decide to stay in Florida longer than planned. However, the ability to extend coverage varies among insurance providers, so it's important to check with your provider for their specific policy and any associated costs.

Contacting your insurance provider early is recommended to discuss the extension options. You can call American Visitor Insurance at 877-340-7910 for help in extending your Snowbird travel insurance for Florida.

08.   Are there any specific requirements or documents Canadian snowbirds need to provide when purchasing travel insurance for Florida?

The requirements can vary among insurance providers. Generally, you may need to provide basic information such as personal details, trip details, and any pre-existing medical conditions. It is advisable to have necessary travel and medical documents readily available in case they are required while completing the snowbird insurance form on American Visitor Insurance

09.   Does Canadian provincial health insurance cover any medical expenses while snowbirds are in Florida?

Canadian provincial health insurance has very limited coverage for medical expenses incurred outside Canada. It is essential to understand the extent of coverage provided by your provincial health insurance and consider supplementary travel insurance available on American Visitor Insurance for comprehensive medical coverage during your stay in Florida as a Canadian Snowbird

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, the location, and the type of accommodation. According to a recent survey, the median rent for a single-family home in Florida is $1,500 per month and the cost of groceries and gas is another $1000 monthly.

However, it is very important to have the best Snowbird health insurance in Florida given the very high cost of US healthcare. The Canadian provincial health insurance provides very little coverage outside Canadian borders and it is imperative to have proper snowbird health insurance for Florida.

11.   How long do snowbirds stay in Florida?

The long-standing rule for Canadian snowbirds is that they are allowed to stay in Florida for up to six months at a time on what is known as a B1/B2 visa

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

Coverage for pre-existing medical conditions varies among insurance providers. Some policies available on American Visitor Insurance offer coverage for pre-existing conditions, others for acute onset of pre-existing ailments while some others may exclude them or require additional coverage. It is important to compare the different pre-existing conditions coverage on American Visitor Insurance and review the policy terms to understand the coverage provided

Canadian student insurance for studying in Florida

Florida is home to many universities and research centers which attracts a large number of Canadian students. Given the high cost of health care in the United States, all Canadian students should have proper student health insurance. Most Florida University student health insurance plans are prohibitively expensive, and to make it affordable to students, we offer similar student insurance plans which satisfy university requirements. These student insurance plans are comparable but cheaper when compared to university student plans.

Student Health Advantage Patriot Exchange Insurance

The I-20 Visa for Canadian students in USA

The US enjoys a special relationship with Canada. Students wishing to come to a college or university in the US can obtain an I-20 visa to do so. Oftentimes, the college or institution will offer health coverage for their students. Some do not and the student must find their own policy.

1. What health insurance can Canadian students purchase?

International students cannot apply to 'regular' health care plans available to citizens. However, we have options for you through our website. Note that if you do get the option of an institutional health plan these will likely be more expensive than what we offer, but they are very complete. They are, in fact, domestic policies not otherwise available to visitors. They are very complete and cover wellness, pre-existing conditions, maternity, mental health, and pretty much all health care needs. If those are not main concerns and if you are looking for more economical options, there are plans for international students available.

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

Canadians that wish to study in the US can get health insurance through our website. The best options are those offered by IMG and Global Underwriters.

The Global Underwriter plans are best if the student is on an official sports team or club. You can choose an optional collegiate sports rider to cover injuries related to that sport (low, medium, and high; unfortunately there is no coverage for XX football).

IMG has several student options available (Patriot Exchange, Student Health Advantage and Student Health Advantage Platinum). Patriot Exchange offers a very economical price, but note the exclusion of maternity and mental health coverage.

Student plans must be purchased for whole months. If you purchase one month and three days you will pay for two months. Therefore, you may as well sign up for two whole months. When the student returns home, the plans are terminated.

Snowbird travel insurance reviews

Snowbird tourism refers to travelers from Canada or the northern parts of the US who spend their winters in warmer southern regions either within the United States or in other countries. There are about 500,000 Canadians who escape the harsh winter and head South to the United States. These Canadian snowbirds specifically come to the state of Florida. We all know of the very expensive health care system in the US. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000.

Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018. Should you fall ill or get injured, the out of pocket medical expenses can be financially crippling if you do not have sufficient Canadian health insurance in USA or travel health insurance to USA from Canada. Medical expenses can easily cost you hundreds of thousands of dollars.

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

We asked this question often. Please note that the Canadian Government website clearly states that Canadian health insurance is not valid outside Canada and it is recommended to buy health insurance for Canadians in USA.

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

Yes, there are some health insurance for Canadian visitors to USA offered by INF. To find the best Canadian travel insurance for seniors or Canadian snowbird travel insurance, relevant information is at older traveler US health insurance for Canadian snowbirds plans.

The Travel insurance for Canadian seniors with pre existing medical conditions includes the medical maximum health insurance for Canadian seniors travelling to the USA available for their age in these Snowbird destinations. It is important to understand the different US health insurance for Canadian snowbirds and to make an informed decision while buying snowbird health insurance for Canadians traveling into US.

For Canadians who want to visit the US multiple times within a year, they can consider buying the Annual multi trip plan which will provide coverage for the whole year with a specific time period limit for each trip like 30, 45, 60... days depending on the plan. This option is cheaper than buying US health insurance for Canadian snowbirds for every single trip and is most suitable for people making multiple trips for business...

If an individual is a dual citizen with Canadian and US citizenship, then the person can buy insurance for visiting US from Canada by entering Canada as the home country and US as the country of citizenship in order to buy US travel insurance for his/her sojourn in the US.

03. What are the important tips for Canadian snowbird?

Some important tips for Canadian snowbird

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

Annual Multi-trip travel insurance for regular Canadians to Florida

There are thousands of Canadian travelers who travel to Florida regularly. Many of these frequent travelers are businessmen or corporate travelers who travel overseas for work. There are several top rated travel health insurance plans for multiple trips worldwide.

Patriot Annual Multi trip insurance is an ideal plan for Canadian corporate travelers travelling to Florida. Every trip duration could be either 30 days or 45 days with a medical coverage maximum of $1 million. Travelers up to the age of 76 years can buy this plan. The plan is renewable up to 3 years and also offers coverage for pre-existing conditions.

International health insurance for Florida

Annual travel insurance

Provides coverage for multiple trips within a specified period.

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Senior citizens travel insurance

Health insurance for senior citizens to Florida.

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Pre-existing travel insurance

Provides coverage for individuals with pre-existing medical conditions.

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Expatriate Health Insurance

Provides health insurance Florida for expats working abroad.

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Snowbird travel insurance for Canadians

visitor travel insurance for Canadians

During winter, many Canadians, particularly senior citizens travel to southern countries where the weather is warmer and more pleasant. These Canadian travelers are commonly known as Snowbirds.During winter, many Canadians, particularly senior citizens travel to southern countries where the weather is warmer and more pleasant. These Canadian travelers are commonly known as Snowbirds.

Since domestic health insurance in Canada does not offer coverage outside Canada’s border, buying proper overseas travel insurance from Canada is recommended by the Canadian government authorities. Healthcare expenses in the US and Europe is very high and it is risky to be uninsured while traveling in those countries. Know more »

Best snowbird travel insurance Canada

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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Popular outbound destination among Canadian travelers

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, Trawick international

Expertise in offering travel insurance
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Customers from over
180 countries!