The TN visa allows professionals from Canada and Mexico to work temporarily in the U.S. under the USMCA (formerly NAFTA) trade agreement. While health insurance is not a requirement under United States immigration law for TN visas, having reliable TN visa travel medical insurance is highly recommended.
In the United Stated healthcare can be extremely expensive. Without insurance, even a short stay in a hospital or a minor emergency could lead to thousands of dollars in medical bills. Therefore, we strongly recommend buying a reliable health insurance plan for TN visa holders and their dependents.
Health insurance for TN visa holders plans cover emergency medical treatment, hospitalization, repatriation, and other healthcare costs. Whether you are a Canadian engineer, a Mexican accountant, or another professional working in the U.S., having the right insurance plan ensures peace of mind and financial protection during your stay.
At American Visitor Insurance, TN visa holders can compare and buy affordable and comprehensive U.S. based health insurance options designed to their specific needs offering protection and peace of mind from unexpected medical costs while working and living in the United States.
The Trade NAFTA (TN) visa is a non-immigrant employment visa for Canadian and Mexican citizens working in the U.S. under professional occupations approved by the USMCA agreement.
Eligibility Requirements:
A TN visa is valid for up to 3 years and it can be renewed indefinitely where the applicant retains non-immigrant status (i.e. as long as the applicant intends to return to their home country).
⚠️ Note: TN visa insurance for kids over 17 Children aged 18 and above must buy separate individual insurance plans, as they are not considered dependents under most visitor insurance policies.
| Benefit | Description |
|---|---|
| Emergency Medical Expenses | Covers doctor visits, hospitalization, accidents and surgery |
| Emergency Medical Evacuation | Covers transport to home country in case of emergency |
| Repatriation of Remains | Included in most plans |
| Pre-existing Conditions | Acute onset covered by select plans |
| Prescription Drugs | Included in most comprehensive plans |
There are currently no federal laws requiring TN visa holders to purchase health insurance in the United States. However, some U.S. states, such as Massachusetts, have their own mandates that require all residents, including temporary workers to maintain health coverage.
Unlike H-1B employers, who must provide equal benefits to U.S. employees, TN visa employers are not legally required to offer health insurance. Therefore, many TN professionals choose to buy private medical insurance plans to stay protected during their U.S. assignment.
Recently, the U.S. State Department has instructed consular officers to consider an applicant’s health condition when determining visa eligibility under the “public charge” rule. Health conditions such as diabetes, asthma, high blood pressure, cardiovascular disease, obesity, or mental health issues may be evaluated during this process.
To demonstrate financial preparedness and reduce the risk of visa denial, it’s advisable to purchase comprehensive travel medical insurance before applying for a U.S. visa. At American Visitor Insurance, TN visa applicants can compare affordable TN visa health insurance plans that cover new illnesses, accidents, and acute onset of pre-existing conditions, ensuring peace of mind while living and working in the United States.
TN Visa Insurance Requirements
The best travel medical insurance plans for TN visa holders include Patriot America Plus, Atlas America, Safe Travels USA Comprehensive, Visitors Protect, Venbrook Premier, and INF Elite X, offering comprehensive and affordable coverage for medical emergencies, pre-existing conditions, and long-term stays while working in the U.S.
The IMG Patriot America Plus plan provides comprehensive medical coverage for TN visa holders working temporarily in the U.S. It covers the acute onset of pre-existing conditions (up to age 70) and offers access to the First Health and UnitedHealthcare networks, making it a top choice for affordable, short-term health coverage.
⚠️ Why it’s good for TN visa holders: Flexible coverage terms, renewable up to 12 months, and strong pre-existing condition coverage for unexpected acute onset.
The Atlas America insurance plan from WorldTrips is best for Mexican TN visa holders and other non U.S. citizens working temporarily in the United States. (Note: This plan is not available for Canadian citizens.) It offers coverage for the acute onset of pre-existing conditions (up to age 80) and complications of pregnancy, making it a top choice for TN professionals and dependents needing reliable, comprehensive health coverage during their U.S. stay.
⚠️ Why it’s good for TN visa holders: Wide U.S. provider network through UnitedHealthcare, coverage for maternity complications, and strong protection for unexpected medical emergencies.
The Safe Travels USA Comprehensive plan from Trawick International is ideal for TN visa holders and their dependents seeking affordable, comprehensive medical coverage while living or working temporarily in the United States. It provides strong protection for the acute onset of pre-existing conditions (up to age 89) and includes emergency medical benefits, making it a great option for families waiting for employer health coverage to begin.
⚠️ Why it’s good for TN visa holders: Excellent for dependents or older travelers, broad network access, and generous pre-existing condition coverage.
The Venbrook Premier plan is ideal for TN visa holders seeking high-limit U.S. medical coverage. It includes cardiovascular event coverage, acute onset of pre-existing conditions (up to age 70), and emergency evacuation up to $1,000,000, making it a strong choice for long-term stays in the U.S.
⚠️ Why it’s good for TN visa holders: Offers coverage for cardiovascular events, high policy limits, and strong emergency benefits for extended U.S. stays.
The INF Elite X plan is one of the best travel medical insurance options for TN visa holders with pre-existing medical conditions. It provides full coverage (not just acute onset) for travelers up to 99 years old, making it ideal for TN professionals and dependents with chronic conditions such as diabetes, hypertension, or heart disease. This plan ensures comprehensive protection for ongoing and new medical issues during extended stays in the U.S., offering peace of mind for TN visa families.
⚠️ Why it’s good for TN visa holders: Offers full pre-existing condition coverage (not just acute onset) for professionals and dependents, making it ideal for those with chronic health issues during extended stays in the U.S.
The Visitors Protect plan from IMG offers comprehensive medical coverage for TN visa holders and their dependents staying in the U.S., Canada, or Mexico. It provides pre-existing condition coverage for travelers up to 99 years old and includes direct billing through the First Health or UnitedHealthcare network, making it ideal for longer work assignments.
⚠️ Why it’s good for TN visa holders: Provides long-term protection and pre-existing condition coverage for professionals and families working temporarily in North America.
Depending on your stay duration and employer coverage, you can choose from:
Best suited for professionals waiting for employee benefits or are staying in the U.S. for less than a year.
Best for long-term professionals living in the U.S. for 2-3 years.
Family members of TN visa holders - spouses and unmarried children under 21 years old - may join them to the U.S. on TD visas. TD dependents may study in the U.S. but are prohibited from working. They also do not automatically have access to the TN visa holder's employer health plan. Because medical care in the U.S. is very expensive, it’s important for TD visa dependents to have separate health insurance coverage.
⚠️ Tip: When applying, make sure the residence address listed is your home country (Canada or Mexico), not the U.S. address.
When selecting health coverage for professionals from Canada and Mexico, consider:
Our platform allows you to compare TN visa health insurance plans online and buy instantly with policy confirmation via email.
Buying best TN visa insurance plans is quick and convenient. Follow these simple steps to get covered before your trip to the U.S.:
While there is no legal requirement, having TN visa health insurance is highly recommended. U.S. healthcare costs are extremely high, and medical insurance ensures financial protection for TN visa workers in the USA.
Yes. TN professionals can buy TN visa medical insurance in the USA or purchase it online before traveling. These temporary health insurance plans provide coverage until you become eligible for employer-sponsored benefits
No. TD dependents (spouse and children) must buy separate medical insurance for TN visa dependents. Children aged 18 and above require individual policies — often referred to as TN visa insurance for kids over 17.
Popular plans like Patriot America Plus and Safe Travels USA Comprehensive are often chosen by Canadian and Mexican TN visa professionals for their strong nationwide coverage and PPO networks.
Note: Atlas America is not available for Canadian citizens, but it can be purchased by Mexican TN visa holders.
Yes. Most Temporary medical insurance for TN visa in USA plans can be renewed or extended while you remain on valid visa status in the U.S.
Some TN visa health insurance plans offer limited coverage for the acute onset of pre-existing conditions. Popular travel medical insurance plans for TN visa professionals from Canada and Mexico, such as Venbrook Premier, Patriot America Plus, and Diplomat America, include this benefit—providing protection for unexpected medical emergencies related to pre-existing issues. Always review each plan brochure carefully to confirm specific coverage details before purchasing.
You can purchase TN visa insurance for families by buying separate but similar plans for your spouse and dependents. This ensures health coverage for TN visa holders and dependents under matching benefits and providers.
You can easily buy TN visa health insurance online through platforms like American Visitor Insurance. Compare top-rated TN visa visitor health plans in the USA, get instant quotes, and receive your policy documents immediately by email.
You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, Travelex, INF insurance, HTH Worldwide and Venbrook International.
