Which is the best US travel insurance for Toronto?
USA travelers going to Turkey will experience a fascinating blend of history, culture, and natural beauty. From the bustling streets of Istanbul, where ancient landmarks like the Hagia Sophia and the Blue Mosque stand alongside modern attractions, to the otherworldly landscapes of Cappadocia, Turkey offers a diverse range of experiences. Travelers can immerse themselves in Turkish hospitality, savor mouthwatering cuisine, and explore the country's rich historical sites. English is widely spoken in tourist areas, making communication easier for American visitors. Turkey's warm and welcoming atmosphere, along with its awe-inspiring sights, promises an unforgettable adventure for USA travelers seeking a unique and enriching destination.
Travel insurance is highly recommended for US citizens traveling to Toronto whether by air or on a cruise. Toronto travel insurance provides coverage and protection in case of unforeseen events or emergencies during the trip. Given the dramatic weather changes around the globe resulting in disruptions in flights, travel insurance is really a necessity. The cost of travel insurance Toronto is around 5% of the trip cost and easily provides value worth more than its cost. Travel insurance from US for Toronto typically includes medical coverage for illnesses or injuries, trip cancellation or interruption coverage, baggage loss or delay coverage, and emergency assistance services. Compare different international travel insurance for Toronto on American Visitor Insurance and choose one that best suits your needs. Having travel insurance for Toronto from US ensures that you can enjoy their vacation with peace of mind, knowing they are financially protected and have access to support services if needed.
Do I need American traveler insurance with trip cancellation coverage?
US citizens are advised to consider purchasing trip protection insurance, particularly when traveling beyond their home state. Travel insurance for US citizens visiting Europe tailored for US vacationers offer coverage that includes the traveler's health and trip expense costs. Coverage benefits typically encompass trip cancellation, delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.
Travelers can also include the Cancel for Any reason (CFAR) insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. This insurance provides coverage in the following ways:- Non refundable cost of the trip.
- Unexpected medical expenses of the traveler.
- Loss or damage to the insured’s possessions.
Following are the best trip insurance plans:
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The trip insurance offered by IMG is a three-tiered series of plans: iTravelInsured Travel Lite, iTravelInsured Travel SE and iTravelInsuredTravel LX. These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.
iTravelInsured Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The iTravelInsured Travel SE and iTravelInsured Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
Compare IMG Trip insurance » -
Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are popular plans for trip related expenses.
The Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the 'Cancel for any Reason' which is available as a rider at an additional cost.
The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.
Compare Safe Travels Trip Protection insurance » -
- Available for US citizens and residents traveling outside the United States
- Includes $2000 in travel delay benefits for Covid quarantine/lodging.
- Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
- Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation
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The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice. There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.
Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.
There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
Compare Trip Protection insurance plans » -
Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.
Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.
International travel health insurance from USA
What is the best travel insurance with theft gear coverage?
American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.
Which travel insurance provides good medical evacuation coverage?
Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.
What is the American travel insurance for canceled flights?
Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.
How much does the best travel insurance cost in 2025?
The American travel insurance cost per month can vary depending on several factors like the age, trip duration, the coverage maximum, and any additional add-ons or options you select. On average, travel insurance costs for a US citizens can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to compare US citizens travel insurance quotes from different insurance providers on American Visitor Insurance.
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How much is trip cancellation insurance?
Trip insurance cost is based on several factors such as the age, trip length and trip cost. There are cheap trip insurance plans starting at $32 per month.
Plan Name Trip cancellation Cost # Safe Travels Protect Trawick International 100% of Trip Cost (Up to a Max. of $14,000) $32 iTravelInsured Travel Lite IMG 100% of Trip Cost $42 Trip Protection Economy Seven Corners 100% of Trip Cost (Up to a Max. of $20,000) $43 iTravelInsured Choice IMG 100% of Trip Cost $50 SafeTravels Armor Trawick International 100% of Trip Cost (Up to a Max. of $15,000) $55 Trip Protector Preferred HTH worldwide 100% of Trip Cost (Up to a Max. of $50,000) $70 iTravelInsured Travel LX IMG 100% of Trip Cost $106 # Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1K trip cost. Source: AMERICAN VISITOR INSURANCE®
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How much is travel insurance?
Travel insurance starts as low as $53 for a month. Travel insurance provides coverage for doctor visits and emergency hospital stays while ensuring access to necessary care and financial protection against high medical costs abroad.
Plan Name Maximum coverage Deductible Cost # Atlas International Insurance WorldTrips $50,000 $250 $53 Patriot International Lite Insurance IMG $50,000 $250 $54 Safe Travels Outbound Insurance Trawick International $50,000 $250 $75 Intermedical Insurance Travel Insure $50,000 $250 $71 VisitorSecure Insurance WorldTrips $50,000 $100 $33 Voyager Essential Insurance GeoBlue $50,000 $0 $72 # Approximate American travel insurance cost for a 40-year-old for a duration of 1 month. Source: AMERICAN VISITOR INSURANCE®
How much does travel insurance cost for a week? How much does travel insurance cost for 2 weeks?
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks. You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
How much does travel insurance cost for 6 months?
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
Visa free travel countries for US citizens
Trip Cancellation Insurance
Highlights of trip cancellation insurance coverage benefits
Compare travel Insurance with cancel for any reason benefit.
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Best trip cancellation insurance with quarantine coverage.
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Rental car Insurance for damage, theft, repair of rented cars.
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Trip cancellation insurance for trip expenses if the trip is cancelled.
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Trip interruption insurance for travel expenses when a trip is Interrupted.
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Travel insurance coverage due to lost, damaged, delayed or stolen luggage.
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Emergency medical evacuation travel insurance coverage.
Know more »Best Trip cancellation insurance for Toronto from USA
Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is done months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements.
Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings. Buying Trip protection insurance for Toronto can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.
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Travel insurance for US citizens to Toronto
Short term travel medical Insurance
- For short term travel vacations ranging from a few weeks to few months (less than a year).
- This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions.
Long term health Insurance
- Ideal for expats working overseas and for US pensioners living outside the US.
- These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits.
US expatriate insurance
Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.
Get quote »Travel insurance plans for older US travelers with Medicare coverage
Older US travelers who are enrolled in Medicare need good travel health insurance when they travel outside the United States. Travel insurance is required since Medicare offers very limited coverage outside the US borders. Travelling overseas involves risks for everyone, in particular for older travelers and the costs of medical evacuation and health care even outside the US is very expensive. In this context, buying good Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.
Globehopper travel medical insurance offered by International Medical Group (IMG) is specifically designed for US citizens and US permanent residents aged 65 years and older.
The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days, or as the GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation
Know More »What are the steps to follow when traveling to Toronto from USA?
- Valid Passport: Ensure that your passport is valid for the duration of your stay in Toronto.
- Visa Requirements: US citizens do not need a visa for short visits (up to six months) for tourism or business purposes in Canada, including Toronto. However, verify the specific visa requirements based on your citizenship and the purpose of your visit if you plan to stay longer.
- Travel health insurance US to Toronto: It is advisable to have best US travel health insurance for Toronto that covers medical expenses and emergency evacuation during your trip.
What are the key Guidelines for Travelers in Toronto from USA?
Here are some key guidelines for travelers in Toronto:
- Visa requirements: You do not need a visa to travel to Canada if you are a lawful permanent resident of the United States and have a valid green card or equivalent proof of status. However, you may need an Electronic Travel Authorization (eTA) if you are flying to Canada.
- Vaild passport: You need a valid passport from your country of nationality or an equivalent acceptable travel document. You may need at least one free page in your passport for a visitor visa or permanent resident visa if you are from a visa-required country.
- COVID-19 measures: You must follow all the COVID-19 measures that apply to travelers coming from the United States.
Do US citizens need visa to visit Toronto?
Schengen Visa information for US citizens
US Citizens with a valid US passport can travel to Toronto for up to 90 days in a 180 day period without a Schengen visaRequirements for traveling to Toronto:
- A valid US passport with a minimum of three months (safer with 6 month) validity beyond the departure date from the Schengen area.
- Valid reason for travel.
- Proof of sufficient financial resources for the entire stay in the Schengen region.
Toronto - General Information
Location
North America
Population
Around 29 million
Currency
Canadian Dollar
Language
English, French
Capital
Ontario
Best time to visit
Sep and Oct
Vacation spots
CN Tower, Royal Ontario Museum, Casa Loma, Ripley's Aquarium, High Park, Niagara falls, Quebec city, Whistler, Lake Louise.
What are the popular tourist destinations in Toronto?
Ontorio Museum
The Royal Ontario Museum is the biggest museum of world cultures and natural history in Canada.
CN Tower
One of Canada's greatest landmarks of the modern world, the CN Tower has to define the Toronto skyline.
Casa Loma
The only full-sized castle in North America is actually located in Toronto.
The Toronto Islands
Hop on a ferry and embark on a journey to the Toronto Islands an attraction-filled destination.
Cheapest travel health insurance for Toronto - FAQs
1. Do US citizens need travel insurance for Toronto from USA?
The regular US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for Toronto. Healthcare costs can be high in Toronto, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.
2. How much does Toronto travel insurance from USA cost?
The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance for a US citizen visiting Toronto can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.
3. Are pre-existing medical conditions covered by travel insurance to Toronto from USA?
Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.
4. What does international travel insurance to Toronto from USA cover?
The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes
- Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
- Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
- Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
- Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
- Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.
5. Is travel insurance mandatory for travel to Toronto from USA?
Travel insurance is not mandatory for US citizens visiting Toronto. However, even if not mandatory, travel insurance for Toronto is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.
6. How do I choose the right travel insurance for my trip to Toronto?
When choosing travel insurance for your trip to Toronto, consider the following factors
- Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
- Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
- Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
- Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
- Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.
When buying travel health insurance for Toronto, it is important to compare travel insurance policies from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.
Medical evacuation travel insurance for travelling to Toronto
Travel insurance for Toronto who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called “Medevac insurance” .
The Atlas Medevac insurance from World Trips covers emergency medical evacuation for US citizens.
What are the factors to consider while buying Toronto long term visa insurance?
The cost of Toronto long term visa insurance depends on the following:
- Coverage Requirements: Check the specific coverage requirements for long-term visa insurance set by the Toronto authorities. Make sure the insurance policy meets or exceeds the minimum coverage limits for medical expenses, emergency medical evacuation, repatriation of remains, and other necessary benefits.
- Medical Coverage: Look for a policy that provides comprehensive medical coverage, including hospitalization, doctor's visits, prescription medications, and emergency medical services. Consider the coverage limits, deductibles, and any exclusions or limitations related to pre-existing conditions.
- Duration of Coverage: Ensure that the insurance policy covers the entire duration of your intended stay in Toronto. Some policies may have a maximum coverage period, so choose one that aligns with your visa requirements.
- Repatriation Coverage: Confirm that the insurance policy includes repatriation coverage, which covers the cost of returning your remains to your home country in the unfortunate event of death.
- Provider Network: Check if the insurance company has a network of healthcare providers in Toronto, as this can streamline the claims process and ensure access to quality healthcare services.
- Emergency Assistance: Look for a policy that offers 24/7 emergency assistance services. This can be crucial in case of medical emergencies or other unforeseen situations where you may need immediate support or guidance.
- Policy Exclusions and Limitations: Read the policy documentation carefully to understand any exclusions, limitations, or waiting periods associated with certain medical conditions or activities. Ensure that the policy covers any specific activities or sports you plan to engage in during your stay in Toronto.
Which is the best travel insurance for US citizen?
Given the high cost of healthcare and travel related vagaries, US citizens need to have good travel insurance irrespective of whether one is traveling within the United States or overseas. US citizens can buy domestic travel insurance for any travel 100 miles from their primary residence and can buy the best travel insurance for all overseas travel.
Covid19, the Ukraine war, hurricanes and inclement weather along with severe labor shortages, long airport security checks … have disrupted the travel industry resulting in delayed or cancelled flights, long waits at airports, lost or delayed baggage, along with Covid related sickness and the need for Quarantine …., all of these can result in expensive changes to one’s travel plans.The financial loss due to this can be significant, especially if for an expensive planned vacation with connecting airline tickets, hotels or cruise bookings.It is recommended to buy the best Cruise travel insurance for a cruise trip.
There are also circumstances beyond the control of the traveler and can force change to travel plans. This can be due to the health of the traveler or that of an immediate family member or other work related conditions.These situations are also covered by travel insurance with the cancel for any reason coverage benefit which gives full flexibility in travel plans.
Along with disruption to travel, there is also the health of the traveler during the journey itself. This is particularly important for older travelers, and an accident or an unanticipated health emergency while traveling can be very expensive but will be covered by travel insurance. The best Travel insurance for US senior travelers complements existing health insurance or be the main insurance coverage to minimise the travelers expenses.US travellers can compare travel insurance for acute onset of pre-existing conditions which is very important for senior citizens. Travel insurance is indispensable and becomes the primary cover for US citizens while outside the United States as US domestic health insurance, including Medicare provide little health coverage outside US borders.
Trip vs Travel health coverage vs Global medical insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences
Click here to read more »What are the types of travel insurance?
Single Trip Travel Insurance
Compare and Buy Best US Single trip travel Insurance for travel within the US and overseas
Know more »Single Trip vs MultiTrip Travel Insurance
Compare Single trip vs multi trip insurance plans offered by US insurers.
Know more »Best travel insurance for African safari
Overseas travel insurance for US residents
How do I buy the best travel insurance for Cruises?
Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.
Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most Cruises offers Cruise protection, but that is not the same as trip insurance for Cruises.
A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for Cruises offer.
Get Quotes »
Popular cruise travel insurance for Canada
Compare and buy best Canada cruise travel insurance.
How do I buy travel insurance for Toronto online?
1: Finding the available international travel health insurance plans
Complete the travel insurance quote form by providing traveler details and the insurance requirements.
2: Compare the different travel insurance options
Compare price and the benefits of the different travel insurance options to identify what fits your needs best.
3: Buy the holiday insurance USA you like best and review documents
Buy the plan that fits your needs and budget by using a credit card and completing the online application.
4: Review the travel medical insurance plan documents received by email
Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.
Group Travel Insurance
Quite often groups travel overseas together. The groups could be traveling for varied reasons such as employees on training, groups of tourists holidaying, members of a missionary organization, groups of students attending a sporting or academic event. Since the regular domestic health insurance will usually not cover you outside your home country you can buy cheap Group travel health insurance for visiting Toronto. The group travel plans are cheaper when compared to individual travel medical insurance. There is usually a discount of about 10% or more in group travel policies when compared to individual visitor health insurance for the same destination.
Travel insurance for visiting Toronto
Buy the best type of travel health insurance for visiting Toronto
Embassy of Toronto in United States
U.S. Embassy Ottawa
location_on 490 Sussex Drive, K1N 1G8 Ottawa, Ontario, Canada
call Phone
+(613) 688-5335
fax Fax
+(613) 688-3082
mail Email
OttawaACS@state.gov
Annual travel insurance
Schengen Visa information for US citizens and US residents (Non US citizens) visiting Toronto
US Citizens with a valid US passport can travel to Toronto for up to 90 days in a 180 day period without a Schengen visa
Requirements for traveling to Toronto:- A valid US passport with a minimum of three months (safer with 6 month) validity beyond the departure date from the Schengen area.
- Valid reason for travel.
- Proof of sufficient financial resources for the entire stay in the Schengen region.
Long term Toronto Visa Insurance requirements
Long stay Toronto visitor visa insurance is available for visitors staying up to a year. Whether living in Toronto for professional purposes, visiting family, on a private visit or to study, we have long term Toronto visa insurance that caters to all the insurance requirements. The insurance plans for the long stay tourist visa in Toronto offer a minimum coverage up to € 30,000 with $0 deductible, emergency medical evacuation and repatriation coverage while in Toronto.
Long stay Europe visa for Toronto »1. Do US residents (non US citizens) need the Toronto visa to travel to Toronto?
Most non US citizens need the Toronto (Schengen) visa. You can verify if you need the visa in the list of Nationalities who need Toronto visa. Non US citizens residing in the US need to show the resident status (Green card, valid US visa and copy of valid I-20 or valid I-AP66, visas…) to apply for a short term Toronto visa in the US. The visa and the US resident status must be valid for at least 3 months after the last day of stay in the Toronto.
2. Do US citizens need a Visa for a long term stay in Toronto (Schengen Region)?
Applicants who wish to stay in Toronto beyond 90 days must apply for a national visa or residence permit. The applicant needs to buy Toronto visa insurance offering coverage of 30,000 Euros travel insurance for long term Europe visa as mandated by the Toronto Consulate. You can get more information about the residence permit on the Toronto embassy/consulate's website.
While applying for Schengen visa, you need to give enough time for its processing, especially during the peak travel summer and winter season.
3. What is the travel insurance requirements for Long term Toronto Visa?
US citizens who want to stay in any of the 27 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (or the equivalent in US dollars) which is valid during the whole stay in the Schengen countries. The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).
