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Travel insurance to Puerto Rico

Travel Insurance from Canada to Puerto Rico

Best Travel Insurance for Canadians Cost

Age
Spouse
Start Date
End Date
Coverage Region
Excluding USA
Citizenship
Canadians
Safe Travels USA Comprehensive
Plan Maximum
Deductible
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Patriot America Plus
Plan Maximum
Deductible
Pre - existing and COVID19
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Diplomat America
Plan Maximum
Deductible
  Buy Now  
  Insurance Providers
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 $1,000,000
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: 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
Travel insurance Canada - Brochure & Details links

💰 How Much Is Canadian Travel Insurance?

The cost of travel insurance for a 40-year-old on a one-month trip ranges from $55 to $246. Prices vary based on age, coverage limits, deductible, and coverage for pre-existing conditions. Many affordable travel insurance plans cost less than a dollar a day.

Travel to Puerto Rico from Canada

Best Travel Insurance for Puerto Rico from Canada

Puerto Rico, officially known as the Commonwealth of Puerto Rico, is a captivating Caribbean island and an unincorporated territory of the United States. Located in the northeastern Caribbean Sea, east of the Dominican Republic and west of the Virgin Islands, it is a popular destination for Canadian travelers seeking sun, culture, and relaxation.

With its stunning beaches, tropical rainforests, historic towns, and warm hospitality, Puerto Rico offers an unforgettable island experience. Visitors can explore the colorful streets of Old San Juan, relax on the golden sands of Culebra Island, or enjoy the natural beauty of El Yunque National Forest.

Puerto Rico is especially attractive for Canadian snowbirds looking to escape the cold winter months. Since Puerto Rico is a US territory, Canadian citizens can visit Puerto Rico without a visa for tourism or short business trips. However, travelers must carry a valid Canadian passport that remains valid for at least six months beyond their intended stay.

📄 Do I Need Travel Insurance to Visit Puerto Rico?

Yes, purchasing travel health insurance for Puerto Rico from Canada is highly recommended. It ensures protection against medical emergencies, trip cancellations, lost baggage, or other unforeseen travel disruptions.

Healthcare in Puerto Rico is private and can be expensive for tourists. Since your Canada health plan does not cover medical care abroad, having Canadian medical insurance for Puerto Rico gives you peace of mind in case of illness or accident.

Comprehensive US travel insurance for Puerto Rico covers emergency medical treatment, hospitalization, and medical evacuation if needed. Always review the policy limits and exclusions before purchase.

🌏 Who Offers the Best Travel Insurance for Puerto Rico?

Before buying travel insurance for Puerto Rico from Canada, compare top-rated US visitor insurance plans on American Visitor Insurance. You can review benefits, exclusions, and pricing to find the most suitable plan for your travel needs.

Comparing plans online helps you find affordable Canada travel insurance for Puerto Rico while ensuring complete protection. Whether you are visiting family, on a beach vacation, or escaping the Canadian winter as a snowbird in Puerto Rico, having the right visitor medical insurance for Puerto Rico keeps your trip worry-free.

🌴 Why Travel Insurance Is Essential for Canadians Visiting Puerto Rico

Medical care and emergency services in Puerto Rico can be costly for tourists. Comprehensive travel health insurance for Canadian visitors to Puerto Rico protects you against unexpected medical expenses, trip delays, or emergencies. It’s especially important for seniors and snowbirds spending extended time on the island.

Choose plans that include emergency medical treatment, hospitalization, evacuation, repatriation, and trip interruption. Having the best travel insurance for Puerto Rico ensures you can enjoy your Caribbean adventure safely and confidently.

🏝️ Travel Tips for Canadians Visiting Puerto Rico

Carry both digital and printed copies of your Puerto Rico travel insurance policy and emergency contact numbers. Whether traveling for a short tropical getaway or an extended winter escape, having Canada travel insurance for Puerto Rico keeps you protected from high medical costs, lost luggage, or unexpected flight cancellations.

Before traveling, compare the best travel insurance for Puerto Rico from Canada on American Visitor Insurance to find affordable plans that provide comprehensive protection throughout your Caribbean trip.

Which Is the Best Travel Medical Insurance for Canadians Visiting Puerto Rico?

trawick-international logo TrueNorth Travel Medical Insurance

TrueNorth Travel Medical is an accident and sickness insurance plan designed exclusively for Canadian residents, providing affordable coverage and 24/7 travel assistance for a single international trip.

This TrueNorth Travel Medical Insurance plan offers reliable protection for Canadians traveling abroad, though it is not available in certain provinces and territories or for travel to Israel and countries restricted by Canada Global Affairs.

  • Best for Canadian residents traveling outside of Canada.
  • Available for travelers up to age 59.
  • Offers single-trip coverage.
  • Provides unlimited coverage repatriation of remains.
  • Unlimited emergency medical evacuation.
  • Emergency medical coverage up to $5,000,000.
  • 10-day free look period.
  • TrueNorth Travel Medical insurance starts from $125 for a 40-year-old traveler

Which Is the Best Trip Cancellation Insurance for Canadians Visiting Puerto Rico?

The best trip cancellation insurance for Canadians visiting Puerto Rico is the TrueNorth Trip Protection Plus plan. It offers comprehensive coverage, higher limits, and robust benefits to ensure peace of mind during your journey.

For travelers seeking a more budget-friendly option, the TrueNorth Trip Protection Lite plan provides essential coverage at a lower cost while still protecting Canadian travelers from unexpected trip cancellations.

trawick-international logo TrueNorth Trip Protection Lite Insurance

  • Eligible for Canadian residents traveling internationally.
  • Covers trip cancellation coverage up to $25,000.
  • Trip Interruption is covered up to 100% of trip cost.
  • The maximum trip duration depends on your age (0–59 years - 90 days, 60–69 years - 30 days, 70–89 years - 16 days).
  • Covers unlimited repatriation of remains.
  • Not available in NB, NT, NU, PE, QC, or YT.
  • Includes 24/7 non-insurance emergency travel assistance.
  • TrueNorth Trip Protection Lite insurance cost for a 40 year old traveler starts from $95 for 15 days trip duration with $1000 trip cost.

trawick-international logo TrueNorth Trip Protection Plus Insurance

  • Available for Canadian residents traveling outside of Canada.
  • Offers trip cancellation coverage up to $25,000.
  • Trip interruption coverage up to $25,000.
  • Includes trip delay coverage up to $2,000.
  • Coverage for baggage and personal effects is up to $1,500.
  • Emergency medical expenses is covered up to $5,000,000.
  • Not available in NB, NT, NU, PE, QC, or YT.
  • The maximum trip duration depends on your age (0–59 years - 90 days, 60–69 years - 30 days, 70–89 years - 16 days).
  • TrueNorth Trip Protection Plus insurance cost for a 40 year old traveler starts from $165 for 15 days trip duration with $1000 trip cost.

Which Is the Best Annual Travel Medical Insurance for Canadians Visiting Puerto Rico?

The TrueNorth Annual Travel Medical Insurance plan is ideal for frequent Canadian travelers visiting Puerto Rico throughout the year. With a single comprehensive policy, this annual travel medical insurance for Canadians visiting Puerto Rico provides extensive medical coverage, emergency evacuation and repatriation with no limit, and 24/7 global travel assistance.

This plan removes the need to purchase separate coverage for each trip offering continuous protection, cost savings, and peace of mind whenever you travel to remote destinations like Puerto Rico.

trawick-international logo TrueNorth Travel Medical Insurance

  • Best for Canadian residents traveling outside of Canada.
  • Plan offers 15 day or 30 day multi-trip coverage.
  • Provides unlimited coverage evacuation and repatriation of remains.
  • Emergency medical expenses up to $5,000,000.
  • 10-day free look period.
  • TrueNorth Annual Travel Medical Insurance starts at just $120 for a 30-day trip for a 40-year-old travel

Cheapest Travel Insurance for Canadians Visiting Puerto Rico

If you are looking for affordable Puerto Rico travel insurance from Canada, the best options are Patriot International Lite by International Medical Group and Travel Medical Global Basic from Seven Corners. These plans offer essential coverage at budget-friendly prices, ideal for Canadian travelers exploring extreme and remote destinations.

Patriot International Lite
IMG

$55 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Available for both Non US citizens and US citizens traveling outside USA.
  • Emergency medical evacuation covers up to $1,000,000
  • Acute onset of pre-existing conditions is covered up to the policy maximum for visitors under 70 years of age.
shopping_cart Buy now

Travel Medical Global Basic
Seven Corners

$56 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Available for Non US residents traveling to worldwide trips that exclude the USA.
  • Policy maximum covers up to 1,000,000
  • Covers acute onset of a pre-existing condition up to 79 years.
shopping_cart Buy now

Best Travel Insurance for Canadians Visiting Puerto Rico

Planning a journey from Canada to Puerto Rico? Choosing the best travel insurance for Canadians traveling to Puerto Rico 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 Puerto Rico cover emergency medical expenses, hospitalizations, trip cancellations, lost luggage, and other travel risks. By selecting one of these top-rated plans, Canadian travelers to Puerto Rico can enjoy a safe and worry-free expedition with complete protection abroad.

Travel Medical Global Choice
Seven Corners

$84 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Available for Non US residents traveling to worldwide trips that exclude the USA.
  • Policy maximum covers up to 1,000,000
  • Unexpected recurrence of a pre-existing condition is covered up to $20k for ages up to 65
shopping_cart Buy now

Safe Travels International
Trawick International

$107 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Available for Non-US citizens traveling outside their home country excluding the US.
  • Emergency medical evacuation covers up to $1,000,000
  • Covers acute onset of pre-existing conditions for non-U.S. residents under age 70
shopping_cart Buy now

Patriot International Platinum
IMG

$116 PER MONTH

Age: 40 years | Plan: $2,000,000 | Deductible: $250

  • Available for both US and Non US citizens traveling outside the U.S.
  • Emergency medical evacuation covers up maximum limit.
  • Offers coverage for acute onset of pre-existing conditions up to 70 years of age.
shopping_cart Buy now

How Much Does Travel Insurance Cost from Canada to Puerto Rico?

The average cost of travel insurance from Canada to Puerto Rico ranges between $55 to $294. 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, there are affordable travel insurance options available even for extreme and remote trips, providing financial security for unforeseen medical emergencies.

Comprehensive plans typically cost more but offer higher coverage limits, stronger benefits, and extended features like emergency evacuation and repatriation. These plans are ideal for Canadian visitors to Puerto Rico seeking peace of mind and full protection during their expedition.

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 extreme destinations like Puerto Rico.

Travel insurance to Puerto Rico

General Information About Puerto Rico

  • Official Name: Puerto Rico — an unincorporated territory of the United States located in the Caribbean Sea.
  • Capital City: San Juan — a historic city known for its colonial charm, beaches, and vibrant culture.
  • Language: Spanish and English are the official languages.
  • Location: Located in the northeastern Caribbean, east of the Dominican Republic and west of the Virgin Islands.
  • Currency: US Dollar (USD).
  • Population: Approximately 3.4 million people.
  • Best Time to Visit: Mid-April to June — just after the busy winter season and before hurricane risk increases.
  • Vacation Highlights: Old San Juan, Isla Verde, Culebra Island, Vieques, Rio Camuy Caves, Ponce, and El Yunque National Forest.
  • Travel Insurance Tip: Travelers should purchase the best travel insurance for Puerto Rico to cover medical emergencies, trip delays, or cancellations. Compare top plans at American Visitor Insurance.
  • location_city Capital: San Juan
  • translate Language: Spanish and English
  • globe_asia Location: Caribbean, North America
  • currency_exchange Currency: US Dollar (USD)
  • groups Population: Around 3.4 million
  • calendar_month Best time to visit: Mid-April to June
  • map Popular vacation spots in Puerto Rico:
    Old San Juan, Isla Verde, Culebra Island, Vieques, Rio Camuy Caves, Ponce, El Yunque National Forest.

Popular Tourist Destinations in Puerto Rico

Travel insurance for Old San Juan Puerto Rico

Old San Juan

Walking the streets of Old San Juan, with its colorful colonial buildings and historic forts, feels like stepping back in time.

Travel insurance for Culebra Island

Culebra Island

Culebra is known for its stunning beaches, relaxed atmosphere, and crystal-clear waters perfect for snorkeling and diving.

Visitor insurance for Vieques Puerto Rico

Vieques

Vieques, just off the Puerto Rican mainland, offers tranquil beaches, bioluminescent bays, and charming local culture.

Medical insurance for Rio Camuy Caves

Rio Camuy Caves

The Rio Camuy Cave Park features one of the world’s largest cave systems, with impressive caverns and underground rivers.

What Medical Benefits Are Included For USA Visitors?

  • Health care expenses: Covers hospital expenses for sickness or accidents.
  • Doctor visit: Insures Doctor visits for sudden injury or sickness.
  • Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
  • Medical evacuation: Medical evacuation expenses to nearest facility included.
  • Repat of remains: Repatriation of remains to home country included.
  • Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.

Factors to Consider While Buying the Best Travel Insurance for Puerto Rico from Canada

1 Medical Coverage
Ensure that your travel insurance to Puerto Rico includes comprehensive medical coverage for illnesses, accidents, hospitalization, and emergency medical evacuation. Confirm the coverage limits and whether your pre-existing conditions are covered. The best Puerto Rico travel medical insurance for Canadians should provide high medical limits and 24/7 assistance in case of emergencies abroad.
2 Trip Cancellation and Interruption
Look for trip cancellation and interruption coverage that reimburses non-refundable travel expenses if your plans are disrupted due to covered reasons such as illness, injury, or unforeseen events. This ensures financial protection for Canadian travelers visiting Puerto Rico.
3 Coverage for Lost or Stolen Belongings
Check if the policy covers lost, stolen, or damaged baggage and personal belongings. Review limits and exclusions carefully. A comprehensive Puerto Rico visitor insurance plan should include baggage loss or delay benefits to help replace essential items while traveling.
4 Travel Delay and Missed Connections
Select travel insurance Puerto Rico that includes compensation for additional accommodation and meal costs due to flight delays or missed connections. Such coverage helps travelers manage unexpected disruptions smoothly.
5 Adventure and Outdoor Activities
If you plan to ski, hike, or participate in outdoor sports, make sure your Puerto Rico travel insurance covers adventure activities. Some plans require an extra rider or special coverage for high-risk sports.
6 Emergency Evacuation Coverage
Confirm that your Puerto Rico emergency evacuation insurance covers medical transport to the nearest suitable facility or back home if necessary. This benefit is vital, especially if you are exploring remote or rural regions in Puerto Rico.
7 Natural Disaster Protection
Puerto Rico is prone to earthquakes and typhoons, so verify whether your Puerto Rico travel health insurance provides trip interruption or cancellation coverage due to natural disasters. This ensures safety and reimbursement for trip disruptions beyond your control.
8 Policy Exclusions and Limitations
Always review the policy terms carefully. Some Puerto Rico travel medical insurance plans may exclude certain conditions or high-risk activities. Understanding exclusions helps you avoid unexpected claim denials.
9 Duration of Coverage
Ensure your Canada travel insurance to Puerto Rico covers the full duration of your trip, including extended stays or stopovers. Continuous coverage helps you stay protected throughout your journey.
10 Pre-Existing Medical Conditions
If you have pre-existing medical conditions, check whether the policy includes coverage for them or offers acute onset coverage. Compare pre-existing condition Puerto Rico visitor insurance plans on American Visitor Insurance to find the best options.
11 Claim Process and Documentation
Before traveling, familiarize yourself with the travel insurance Puerto Rico claim process. Keep copies of receipts, reports, and necessary documentation for a smooth and hassle-free claim experience.

Before purchasing travel insurance for Canadians visiting Puerto Rico on American Visitor Insurance, compare Puerto Rico travel insurance quotes, review customer feedback, and consult an insurance advisor to find the best travel insurance for Puerto Rico from Canada. Always review the policy terms and Puerto Rico travel insurance requirements carefully to avoid surprises during your trip.

How Can I Buy Travel Insurance for Puerto Rico from Canada?

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Find the Best Travel Insurance for Puerto Rico
Complete the travel insurance quote form with traveler details, trip dates, and coverage needs to compare options for your vacation.
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Compare Different Travel Insurance Options
Compare coverage limits, benefits, and prices from various trusted travel insurance providers to find the best fit for your Puerto Rico trip.
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Buy the Travel Insurance Plan That Fits Your Needs
Purchase your preferred coverage plan easily using a credit card and complete the secure online application for Puerto Rico travel insurance.
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Review Travel Insurance Policy Documents
Review your policy details, including benefits, emergency contacts, and claims procedures for your Puerto Rico trip.

Which Is the Best Travel Insurance for Canadians Visiting Puerto Rico?

When Canadians are planning a trip to the Puerto Rico, 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:

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 ?
Buy Online »
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 ?
Buy Online »
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 ?
Buy Online »
Comprehensive plan covering 80% of eligible medical expenses with full pre-existing protection up to age 99.
Policy Maximum?
$$150,000 - $1,000,000
Deductible?
$100 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
PPO Network?
First health care Provider Network
Starting at
$548/90 days ?
Buy Online »
Comprehensive plan covering 90% of eligible medical expenses with full pre-existing protection up to age 99.
Policy Maximum?
$$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 »
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 »

How Does Provincial Health Coverage Work for Canadian Snowbirds?

Canadian snowbirds need to understand that provincial health plans offer very limited protection once you are outside your home province or outside Canada.

🌎 Restricted Coverage Abroad

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.

📝 Check Before You Leave

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.

⚠️ Extended U.S. Stays

If you remain in the U.S. longer than your visa or cross-border privileges allow, you may face immigration and tax-related obligations.

⚖️ Get Legal Advice if Needed

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.

What Happens If SnowbirdsStay Longer Than Intended?
Snowbirds usually encounter unanticipated delays for various reasons a medical issue, a weather challenge or even restrictions on travel. It is helpful to understand how your policy will operate for an extension or renewal.

How To Choose the Best U.S. health insurance for Canadian Snowbirds?

  • Midterm Extension - A quick overview of coverage which allows the extension of your policy while you are in the country and away.
  • No Requirement to “Return Home” - Some travel insurance plans require you to come back to your province in Canada to renew your travel insurance - if you plan to remain for a longer duration avoid those policies.
  • Bridging a Gap - Some policies are flexible if you come back to Canada for a very brief time before leaving again.
  • Medical Underwriting - Make sure to check if you will have to go through another health evaluation just to extend the policy.
  • Limits on Age or Condition - Some insurance policies do not provide an option for renewal if one is above a certain age or pre-existing health condition.
The best travel insurance for Snowbirds should provide coverage with flexibility and peace of mind so that they can undertake those trips without having to be concerned that things will or won’t go as planned.

What Happens If a Snowbird Has a Medical Emergency in the U.S.?

John (age 68) in Arizona, October 2025

  • While golfing in Scottsdale, John experienced chest pain and was rushed to the nearest hospital. He was admitted for two days of testing and treatment. The total medical bill exceeded USD 36,000.
  • Fortunately, John’s snowbird travel medical plan included direct billing with the hospital, so most charges were settled directly by the insurer. John only paid his $250 deductible. For the claim, he submitted the hospital admission records, cardiologist’s report, and discharge papers. The insurance company processed the claim in 18 days, and John was not responsible for any additional out-of-pocket costs.
  • Lesson learned: Choosing a plan with direct billing and strong emergency coverage ensures quick treatment without the stress of handling large upfront medical expenses.

What Makes Snowbird Insurance Unique?

While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:

  • There will be greater exposure to medical risks.
  • Claims are more likely because of age-related issues.
  • Provincial health insurance coverage is limited — most provinces only cover a small portion of out-of-country expenses.
  • Immigration and tax issues if you stay in the U.S. too long.

Why Buy Snowbird Travel Insurance from American Visitor Insurance?

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.

🧭 Compare and Buy with Confidence

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.

🏖️ Trusted by Thousands of Snowbirds Every Year

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.

🤝 Expert Customer Support

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.

🌎 Comprehensive Global Protection

Enjoy medical coverage for emergencies, hospital care, and evacuation, backed by leading international insurers and extensive PPO networks across North America and beyond.

⚡ Simple, Hassle-Free Experience

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.

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Reviews, Ratings and Experiences from our customers

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Best Cruise Travel Insurance for Canadians

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 ship

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.

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Cruise Travel Insurance for US Citizens

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Cruise Travel Insurance for US Citizens

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Embassy of Canada in Puerto Rico

Consulate of Canada in San Juan

location_on olivia Street, No. 33, 7th Floor San Juan Puerto Rico

call Phone

+63-2-857-9000

Fax
+1-787-7294-1205
+1-787-7294-1205

mail Email
canadapr@worldnet.att.net

Canada Consulate General in U.S.A.

location_on 200 South Biscayne Boulevard Suite 1600 Miami Florida U.S.A. 33131

call Phone

+63-3-225-63320

Fax
+305-374-6774

mail Email
miami@international.gc.ca

Medical Care in Puerto Rico – What Canadians Should Know

  • Puerto Rico, as a U.S. territory, follows the American healthcare system, where all medical services are private and can be expensive.
  • Hospital stays in San Juan or Ponce can cost thousands of dollars per day depending on the treatment required.
  • Emergency air evacuation to the U.S. mainland or back to Canada can be financially overwhelming without insurance.
  • Canadian provincial health plans offer little or no coverage outside Canada.
  • Having travel medical insurance for Puerto Rico ensures access to high-quality care and financial protection in case of unexpected illness or accidents.

Common Canadian Flights and Airlines to Puerto Rico

  • Canadians can fly directly or with connections from Toronto, Montreal, Calgary, and Vancouver to San Juan (SJU).
  • Popular airlines include Air Canada, WestJet, Delta, and American Airlines.
  • Weather or airline issues can lead to delays or cancellations, so purchasing trip cancellation/interruption insurance is recommended.
  • Round-trip flight bookings with travel insurance provide smoother claim processing and peace of mind.

Travel Insurance and Adventure Activities in Puerto Rico

  • Puerto Rico offers exciting outdoor adventures like surfing, kayaking in bioluminescent bays, ziplining, hiking El Yunque Rainforest, and scuba diving.
  • Not all travel insurance plans cover adventure or high-risk activities automatically.
  • Confirm your coverage or add an adventure sports rider if you plan to join such activities.
  • Activities such as snorkeling, cave exploration, and waterfall climbing may need special coverage.
  • Always review policy exclusions to avoid denied claims related to risky activities.

Travel Insurance for Long-Stay Canadians and Snowbirds in Puerto Rico

  • Puerto Rico’s warm climate makes it a popular winter escape for Canadian snowbirds and retirees.
  • Choose a long-term travel medical insurance policy that allows easy renewal or extension while abroad.
  • Annual multi-trip policies are ideal for frequent travelers between Canada, the U.S., and the Caribbean.
  • Ensure your plan meets provincial residency requirements to maintain health coverage in Canada.
  • Perfect for retirees, digital nomads, and long-stay visitors who enjoy extended stays in Puerto Rico.

Environmental and Weather Risks in Puerto Rico

  • Puerto Rico’s tropical climate is beautiful but can also bring occasional natural risks such as:
    • Hurricanes and tropical storms (June–November)
    • Heavy rainfall and flooding during the rainy season
    • Power outages and travel disruptions during severe storms
  • These can affect flights and local travel plans.
  • Comprehensive trip insurance can protect against non-refundable losses, delays, or emergency evacuations.
  • Always check weather advisories and local alerts before and during your trip.

Steps to Follow If You Require Medical Care in Puerto Rico

  • In a medical emergency, immediately contact your travel insurance provider’s 24-hour emergency assistance line.
  • They will guide you to an authorized hospital or clinic and help with direct billing or claim procedures.
  • Major hospitals in Jamaica include:
    • University Hospital of the West Indies (Kingston)
    • Montego Bay Hospital (Montego Bay)
    • Andrews Memorial Hospital (Kingston)
  • Keep your insurance documents, policy number, and emergency contacts accessible at all times.

Travel Medical Insurance for Puerto Rico – FAQs

1.  Why Do Canadians Need Travel Insurance When Visiting Puerto Rico?

Canadian travelers visiting Puerto Rico should always buy US travel insurance for Puerto Rico to stay financially protected from unexpected medical and travel emergencies.

Medical care in Puerto Rico can be expensive, and Canadian provincial health plans do not cover treatment abroad. Having Puerto Rico medical insurance coverage ensures access to quality healthcare without paying out-of-pocket costs.

In addition to emergency medical coverage, travel insurance from Canada to Puerto Rico also protects against trip cancellations, delays, baggage loss, and emergency evacuation—making your trip worry-free.

You can easily compare Puerto Rico travel insurance quotes on American Visitor Insurance to find the best travel insurance for Canadian visitors to Puerto Rico.

2.  What Does Travel Insurance for Puerto Rico from Canada Typically Cover?

Most Canada travel insurance plans for Puerto Rico include benefits such as emergency medical expenses, evacuation, trip interruption, baggage loss, and personal liability. The coverage may vary depending on the insurer and plan you choose.

Here are the key benefits offered by Puerto Rico travel medical insurance for Canadians:

  • Emergency Medical Expenses: Covers hospitalization, ambulance, doctor visits, and prescriptions during your stay in Puerto Rico.
  • Trip Cancellation or Interruption: Reimburses non-refundable expenses if you must cancel or cut short your trip due to illness, injury, or other covered reasons.
  • Baggage and Travel Delay: Compensation for delayed, lost, or damaged luggage during your journey.
  • Emergency Medical Evacuation: Covers transportation to the nearest hospital or back home in case of a serious illness or injury.
  • Additional Benefits: Some plans also include accidental death, dental treatment, flight accident, or rental car coverage.

Visit American Visitor Insurance to compare Puerto Rico travel insurance for Canadians and choose a plan that best fits your needs.

3.  Can I Use My Existing Health Insurance in Puerto Rico?

Most Canadian health insurance plans offer limited or no coverage outside Canada, including Puerto Rico. Even if your plan provides partial coverage, it will not include trip protection features like cancellation or baggage loss.

To ensure full protection, it is strongly advised to buy emergency medical insurance for Puerto Rico before departure. Compare plans and speak with an advisor at American Visitor Insurance (877-340-7910) for personalized help choosing the best travel insurance for Puerto Rico from Canada.

4.  Does Puerto Rico Travel Insurance Cover Pre-existing Medical Conditions?

Coverage for pre-existing medical conditions depends on the insurance plan. Some INF and other top-rated travel insurance providers offer coverage for acute onset of pre-existing conditions, while others include full coverage if requirements are met.

Always declare your medical history accurately when buying pre-existing conditions travel insurance for Puerto Rico to avoid claim rejections. Compare available Canadian visitor insurance for Puerto Rico on American Visitor Insurance to understand which plans include or exclude pre-existing conditions.

5.  How Much Does Travel Insurance for Puerto Rico from Canada Cost?

The cost of travel insurance for Puerto Rico from Canada varies depending on age, length of stay, and coverage type. On average, plans cost about 4–10% of the total trip price.

Compare multiple Puerto Rico travel insurance quotes online at American Visitor Insurance to find affordable options offering strong emergency medical and trip protection coverage for Canadians visiting Puerto Rico.

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.

Read more »
elderly
Canadians Senior citizens travel insurance

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

Read more »
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Snowbird pre-existing conditions travel insurance

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

Read more »

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 insurance.

Which are the best visitors insurance companies in USA?

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