New York City – known as “The Big Apple” – is one of the most vibrant and cosmopolitan destinations in the world. With its strong economy, global media presence, iconic attractions, and cultural diversity, it welcomes millions of international visitors every year. For Canadians, New York State is a top travel destination and ranks as the second most visited U.S. state by Canadian travelers.
Each year, Canadians make approximately 20 million trips to the United States, and a large portion of these visits are to New York for business, employment, or leisure. Many Canadian snowbirds also enjoy spending the winter months in New York, while others travel for short getaways, shopping, or family visits.
While visiting New York is exciting, it’s important to include a good international travel insurance plan to protect against unexpected medical costs. Having reliable travel insurance for New York from Canada ensures medical coverage for any unforeseen emergencies that might occur during your trip. Without proper coverage, even minor medical treatment in the U.S. can be very expensive.
American Visitor Insurance works with some of the best travel insurance companies to offer Canadian travelers a wide range of options, including Canadian visitors insurance USA, New York visitor health insurance, and travel medical insurance for Canadians visiting New York. Whether you are looking for cheap travel insurance from Canada to USA or comprehensive coverage for longer stays, our licensed agents can help you find the right Canada travel health insurance for New York.
For more details or to get personalized assistance, please call us at 877-340-7910 or email us, and one of our licensed insurance specialists will help you choose the best travel insurance for New York from Canada that suits your travel needs and budget.
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.
The cost of US visitor health insurance in 2025 has increasingly impacted disposable income, with a major portion going towards healthcare deductibles, co-payments, and co-insurance. Routine physician visits in the U.S. can cost around $176, while specialized procedures such as an echocardiogram may range from $1,000 in Massachusetts to $3,000 in New Jersey, depending on the provider. Common medical emergencies, such as a Diabetes Mellitus with Hyperglycemia visit to the ER, could cost between $2,500 and $5,000. A stroke requiring ICU care for 10 days could cost $120,000, while heart attack treatment—including ambulance, ER, ICU, EKG, MRI, and ongoing cardiologist care—can cost approximately $20,000. Acute kidney failure treatment averages over $22,000 in the U.S.
Several factors contribute to these high healthcare costs, including significant administrative expenses, advanced technology reliance, labor costs, and the expensive malpractice insurance required in the U.S. system. Hospitals and private insurance companies employ numerous billing clerks to manage the complex billing and insurance processes, adding to overall expenses.
Despite the complexity of costs, it is crucial for Canadian travelers visiting the USA to have visitors medical insurance in the USA. Insurance significantly reduces medical bills if the hospital is part of a PPO network compared to paying out-of-pocket without coverage. Simply having US visitor health insurance substantially lowers the cost of care, providing financial protection during your trip. For Canadians visiting the U.S., having proper health insurance for visitors to the USA is essential to avoid overwhelming medical expenses.
If you are looking for affordable travel insurance for Canadians visiting New York, some of the best options include Patriot International Lite by International Medical Group and Travel Medical Global Basic from Seven Corners. These plans provide essential coverage at budget-friendly prices, making them ideal for Canadian travelers to New York who want reliable protection without overspending.
Age: 40 years | Plan: $50,000 | Deductible: $250
Planning a trip from Canada to New York? Choosing the best travel insurance for Canadians traveling to New York ensures peace of mind, financial protection, and coverage for medical emergencies, trip interruptions, and other unexpected events. Top recommended plans include:
These Canada travel insurance plans for New York are designed to cover emergency medical expenses, hospitalization, trip cancellations, lost luggage, and other travel risks. By selecting one of these top-rated plans, Canadian travelers to New York can enjoy a safe and worry-free journey with complete protection during their trip.
Age: 40 years | Plan: $50,000 | Deductible: $250
Age: 40 years | Plan: $50,000 | Deductible: $250
Age: 40 years | Plan: $2,000,000 | Deductible: $250
The average cost of New York travel insurance from Canada ranges between $55 and $320. Pricing depends on factors such as the traveler’s age, trip duration, coverage limits, deductible amount, the type of health insurance selected, and whether pre-existing conditions are included. For most Canadian travelers to New York, there are affordable travel insurance options available for less than a dollar per day, making it easy to protect against unexpected medical emergencies during your trip.
Comprehensive plans typically cost more but provide higher coverage limits, stronger benefits, and additional features like emergency evacuation and repatriation. These plans are ideal for Canadian visitors to New York seeking peace of mind and full protection while traveling.
The international travel insurance cost per month with a deductible of $250 offers an excellent balance between affordability and extensive protection—perfect for Canadian snowbird travel health insurance or long-term stays in New York.
| Insurance Plans | Plan Max Range | Provider Network | Age 40 | Age 60 |
|---|---|---|---|---|
| Patriot International Lite | $50,000 - $1,000,000 | IPA Network | $55 - $74 | $121 - $144 |
| Travel Medical Global Basic | $50,000 - $1,000,000 | Visit Wellabroad.com | $56 - $77 | $121 - $159 |
| Safe Travels International Cost Saver | $50,000 - $1,000,000 |  |
$73 - $122 | $159 - $235 |
| Travel Medical Global Choice | $50,000 - $1,000,000 | Visit Wellabroad.com | $84 - $113 | $190 - $253 |
| Safe Travels International | $50,000 - $1,000,000 | |
$107 - $151 | $233 - $346 |
| Patriot International Platinum | $2,000,000 - $8,000,000 | IPA Network | $116 - $158 | $247 - $294 |
Source: American Visitor Insurance®
New York State, known as The Empire State, is home to New York City – “The Big Apple,” one of the most cosmopolitan cities in the world. Beyond the iconic skyline, New York offers stunning natural beauty, including the Finger Lakes region and the world-famous Niagara Falls. The state is spectacular during the fall months, but has plenty to offer in every season – Winter, Spring, Summer, and Fall. When traveling to New York, it’s essential to have the best U.S. travel insurance for medical emergencies, trip interruptions, or cancellations. Travelers can easily compare New York travel insurance plans on American Visitor Insurance and make an informed purchase.
The best times to visit New York are from April to June and September to November when the weather is pleasant and the scenery is vibrant. Each season offers something unique — from winter festivities in New York City to autumn foliage in upstate New York.
Located in the heart of the Adirondack Mountains, Lake Placid is renowned for its outdoor beauty and for hosting the 1980 Winter Olympics. It’s a paradise for hikers, skiers, and nature lovers.
At the southern tip of Seneca Lake, Watkins Glen State Park features stunning gorges, waterfalls, and scenic hiking trails that showcase New York’s natural beauty.
A tranquil barrier island off Long Island, Fire Island National Seashore is perfect for relaxing beaches, coastal walks, and peaceful seaside escapes.
One of the most famous natural attractions in the world, Niagara Falls offers breathtaking views, boat tours, and unforgettable romantic experiences.
The types of U.S. travel insurance plans include fixed benefit and comprehensive visitor insurance. Compare Comprehensive vs Fixed Benefit Visitors Insurance for USA travel.
| Feature | Fixed Benefit Visitor Insurance USA | Comprehensive Visitor Insurance USA |
| 💲 Cost | Affordable with lower premiums | Higher cost but extensive coverage |
| 🛡️ Coverage | Fixed amount per benefit under specific conditions | Covers eligible medical expenses up to the plan maximum |
| 📉 Deductibles | Usually higher deductibles for lower cost | Lower deductibles, higher coverage levels |
| 🌐 PPO network | Often no PPO network participation | Includes PPO network access with discounted hospital rates |
| 💳 Payment method | Pay upfront and file for reimbursement | Direct billing available; insurer pays the provider |
| ❤️ Pre-existing conditions coverage | Some plans offer limited coverage for pre-existing conditions | Comprehensive plans may include acute onset of pre-existing condition coverage |
| 👥 Recommended for | Budget-conscious travelers needing basic protection | Travelers wanting full coverage for medical and travel-related risks |
When Canadians plan a trip to New York, choosing the right travel medical insurance is essential to safeguard against unexpected healthcare costs. Whether you’re visiting New York City, Niagara Falls, or the Adirondacks, having the right plan is especially important for travelers with pre-existing medical conditions.
Among the most recommended options, the following INF travel insurance plans stand out for their extensive coverage and benefits, offering complete peace of mind while exploring the Empire State.
Canadian snowbirds need to understand that provincial health plans offer very limited protection once you are outside your home province or outside Canada.
Most provincial health plans only cover a small portion of medical costs outside Canada. In many cases, coverage is reduced or even suspended if you are away for more than six months in a calendar year.
Always confirm with your provincial health authority how long you can be away without losing eligibility for health benefits. Each province has its own rules.
If you remain in the U.S. longer than your visa or cross-border privileges allow, you may face immigration and tax-related obligations.
For longer stays, consult a cross-border legal or tax advisor to avoid issues with residency status and reporting requirements.
👉 While provincial health care offers security at home, it won’t fully protect you during extended stays in the U.S. That’s why snowbirds should plan carefully both for their health coverage and their legal stay.
While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:
American Visitor Insurance serves as a one-stop destination for Snowbird coverage. American Visitor Insurance partners with top-rated U.S. insurers including International Medical Group (IMG), Trawick International, and Global Underwriters we provide Canadians with the best Snowbird travel insurance options conveniently in one place.
Use our easy online compare engine to review several top insurance plans side by side and choose the best snowbird insurance coverage for your travel schedule, budget, and medical needs for destinations across the US, Mexico, the Caribbean, and other warm-weather regions.
American Visitor Insurance has been offering Snowbird insurance for nearly two decades now providing thousands of Canadian and international snowbirds easy purchase insurance options through our platform before heading south for extended stays in Florida, Arizona, Texas, Mexico, or island getaways in the Caribbean.
Our licensed knowledgeable customer support team helps travelers understand coverage options, policy benefits, and claim procedures so you can make informed decisions with complete peace of mind.
Enjoy medical coverage for emergencies, hospital care, and evacuation, backed by leading international insurers and extensive PPO networks across North America and beyond.
Compare, choose, and buy your plan online at American Visitor Insurance in minutes with 24/7 assistance available whenever you need help during your travels.
Going on a cruise vacation is exciting, but it’s important to protect your investment with the right cruise travel insurance. Travelers often book cruises months in advance, and unforeseen events may prevent them from going. Trip insurance for cruises ensures your vacation investment is protected if your plans change.
Best cruise trip insurance safeguards your pre-paid cruise costs. While most cruise lines offer cruise protection, it usually provides vouchers instead of cash reimbursement. Only comprehensive cruise travel insurance for Canadians guarantees actual monetary reimbursement for trip disruptions.
A standard cruise protection plan may give vouchers if you miss the cruise, but trip insurance for cruises ensures money back. This is especially important for seniors, who are more likely to require medical or travel assistance while on cruises.
Vacationers can maximize protection by purchasing Cancel for Any Reason travel insurance. This benefit allows you to cancel your
cruise for any reason and receive up to 75% reimbursement of non-refundable expenses. Standard cruise protection plans offer limited coverage, making best cruise travel insurance plans for seniors essential for older travelers seeking financial and medical security.
Helpful travel tips for Canadians visiting New York – covering safety, comfort, and wellness while exploring the Empire State.
Many U.S. citizens and American expats living in Canada travel back to the United States frequently to visit family, attend business events, or enjoy city breaks in New York City. During such visits, it’s essential to have short-term U.S. medical insurance to stay protected against expensive medical treatments or emergencies.
At American Visitor Insurance, we provide some of the best U.S. travel insurance plans for expats visiting New York. These short-term medical plans are ideal for Americans living in Canada who need temporary coverage during their visit to the U.S.
Popular U.S. visitor health insurance plans designed by leading providers like IMG include: Patriot America Lite, Patriot America Plus, and Patriot Platinum America. Another trusted option is Diplomat America Insurance from Global Underwriters.
The cost of U.S. travel medical insurance for expats visiting New York depends on several factors such as age, trip duration, coverage limit, and deductible. On average, short-term travel health insurance can range from $45 to $320, depending on plan type and benefits.
Comprehensive plans like Patriot America Plus or Diplomat America provide extensive coverage including emergency medical treatment, hospitalization, evacuation, and repatriation — ideal for U.S. citizens living in Canada who frequently visit New York or other U.S. states.
Travelers seeking affordability can choose plans with a moderate deductible (e.g., $250 per trip) to maintain a balance between premium cost and coverage benefits. This ensures peace of mind for U.S. expats returning home temporarily.
Even if you’re a U.S. citizen, your domestic insurance or Medicare may not cover you once you’ve moved abroad. Therefore, when returning to the U.S. — whether to visit New York City or other states — it’s essential to have temporary medical insurance for U.S. expats visiting the USA to avoid high healthcare costs.
Compare and buy U.S. expat visitor insurance easily online through American Visitor Insurance to find reliable and affordable travel health insurance for your next trip to New York.
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 | |
$79 |
| Patriot America Plus | $50,000 | |
$84 |
| Patriot Platinum America | $2,000,000 | |
$161 |
| Diplomat America | $50,000 | No PPO | $138 |
Source: American Visitor Insurance®
New York’s universities and colleges attract thousands of Canadian students each year, especially to prestigious institutions such as Columbia University, New York University (NYU), and Cornell University. Since healthcare in the U.S. can be very expensive, it is essential for students to have student health insurance for studying in New York to protect against unexpected medical costs.
Canadian students can compare and buy affordable student insurance for studying in New York that:
Canadian students studying in New York are not eligible for domestic U.S. health insurance plans. However, several international student insurance options are available on our website.
While many New York universities offer institutional insurance, these are often expensive. In contrast, international student health insurance for Canadian students in New York provides similar or better coverage at lower costs. Some plans even include benefits for pre-existing conditions, maternity, and mental health, depending on the chosen policy.
For budget-conscious students, affordable plans that meet waiver requirements allow them to save significantly while maintaining full medical protection.
Canadian students studying in New York or other U.S. states can easily purchase coverage through our website. The most popular options are offered by IMG and Global Underwriters.
Global Underwriters’ plans are excellent for students participating in college sports or recreational activities, as they allow adding a sports rider for coverage against sports-related injuries.
IMG offers several comprehensive student plans, including:
The Patriot Exchange plan is the most budget-friendly but excludes maternity and mental health benefits.
Student plans must be purchased in full-month increments. For example, if a student stays for one month and several extra days, the plan must be purchased for two full months. Coverage automatically ends when the student returns to Canada.
When planning your extended stay or winter escape to New York, one of the top priorities for Canada snowbird health insurance New York is ensuring proper medical coverage for pre-existing conditions. Depending on your health needs and budget, you can choose from both affordable fixed-benefit and comprehensive insurance plans offering protection throughout your stay in New York.
Popular choices for New York travel insurance for Canadians include Patriot America Plus and Safe Travels USA. These plans can be purchased before leaving Canada for up to 12 months, with flexible extensions, full refunds before policy start dates, and short-term renewal options—perfect for Canadian snowbirds visiting New York.
If COVID-19 coverage is not required, cost-effective plans like Patriot America Lite and Safe Travels USA Cost Saver provide affordable yet reliable protection for Canadian snowbirds in New York.
For those with pre-existing heart or stroke conditions, comprehensive options such as Safe Travels Elite and Safe Travels Comprehensive are highly recommended. These offer coverage up to $25,000 for cardiac and stroke conditions for travelers up to age 69, and $15,000 for ages 70–89.
With so many health insurance for Canadians in New York options available, it can be challenging to find the best plan for your needs. If you need expert help, call us today. Our licensed agents will help you choose the most suitable travel medical insurance for snowbirds, ensuring you enjoy your stay in New York with complete peace of mind.
A couple from Canada, aged 64 and 61, were visiting family in New York with travel insurance purchased from their home country. Theirpolicy was about to expire, but they decided to extend their stay by another 20 days and needed continued medical coverage during that period.
Since their Canadian insurance could not be extended from abroad, they needed a short-term U.S. visitor insurance plan that:
We recommended three popular comprehensive visitor insurance plans suitable for travelers already in the U.S.:
Many Canadians travel to New York several times a year for business, shopping, or quick getaways. Purchasing single-trip insurance for every visit can be time-consuming and costly. That’s why annual multi-trip travel insurance is a smart and affordable choice for frequent travelers to New York.
Why Choose Annual Multi-Trip Insurance?Guide to buying the best international travel insurance for USA.
Learn More »Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Learn More »The best health insurance for visitors to USA with pre-existing conditions is listed here:
👉 Learn more about how to protect yourself while traveling as a Canadian Snowbird: Know more »
Provides coverage for multiple trips within a specified period, typically one year.
Read more »Travel insurance designed for older individuals, often referred to as "snowbirds".
Read more »Provides coverage for individuals with pre-existing medical conditions, particularly for "snowbirds".
Read more »Fixed benefit or scheduled benefit plans are the most affordable travel insurance plans.
Learn More »International travel insurance plans covering pre-existing conditions which many older travelers look for.
Learn More »Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.
Learn More »Compare and buy the best travel medical insurance plans online.
Learn More »There are many cheap international insurance plans also known as visitor insurance plans.
Learn More »Coinsurance & Deductible - How visitor travel insurance works.
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Canadians to USA
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Expatriate insurance
Canadian Annual travel insurance
Pre-existing conditions
Green Card holders insurance
Canada Cruise insurance
INF Elite X Insurance
Safe Travels USA Comprehensive Insurance
Patriot America plus Insurance