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Travel insurance for Canada travelers

Best travel insurance for Canadian seniors visiting USA

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Safe Travels USA Comprehensive
Plan Maximum
Deductible
Plan covers Covid19 illness
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Patriot America Plus
Plan Maximum
Deductible
Pre-existing/Covid19
Plan offers coverage for Covid19
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Diplomat America
Plan Maximum
Deductible
Plan covers Covid19 illness
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  Travel insurance providers
Trawick IMG Global Underwriters logo
  Snowbird Covid travel insurance coverage
Safe travels USA Comprehensive visitors insurance offers US Travel insurance for Covid illness. Safe Travels International Insurance covers COVID19 expenses and treated as any other sickness Not Available Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Diplomat America Covid Insurance by Global Underwriters offers coverage for Covid19 as a new sickness. Usual, Reasonable, and Customary up to Medical Maximum or $100,000; whichever is less
  Snowbird insurance coverage for acute onset of Pre-existing conditions
Sudden and Acute Onset of a Pre-Existing Condition Unexpected Recurrence of a Pre-Existing Medical Condition: up to $20,000 up to age 65 then up to $10,000 for over age 65 Acute onset of a pre-existing condition Up to maximum limit below age 70 Not Covered Acute onset of a pre-existing condition Up to maximum limit below age 70 24 months waiting period
  • Ages 14 days to 64 years: Up to $50,000
  • Ages 65 to 74 years: Up to $10,000
  Travel insurance from Canada - Highlights
  • This includes coverage for medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and accidental death & dismemberment.
  • Extendable with uninterrupted coverage for up to 24 consecutive months.
  • Sports Activity Coverage available.
  • Safe Travels International is a primary travel medical insurance.
  • Extendable with uninterrupted coverage for up to 24 consecutive months.
  • Optional Upgrades include - trip delay maximum, increased AD&D and athletic sports.
  • This is a comprehensive short-term travel medical plan.
  • US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
  • The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. (when the $0 deductible is selected)
  • Short-term travel medical coverage.
  • Coverage for travelers outside their residence country whose destination excludes the US and its territories.
  • Patriot international insurance schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.
  • This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US.
  • This plan can be renewed for up to 2 years.
  • Patriot America offers coverage for adventure sports and other sports activities.
The Diplomat America plan is designed to cover Non-U.S. residents traveling to the United States
  • Accident and sickness plan that covers you inside the United States (15 days up to 365 days)
  • The plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible
  • Travel Medical Plus is a comprehensive medical coverage, it has an extensive network of providers.
  • Liaison coronavirus travel insurance offers coverage for overseas medical expenses arising from Covid19 infection while the travellers are outside their home country.
  • Covers up to 10 travelers and offers group coverage for 10 or more travelers.
brochure Travel insurance Canada to US - Brochure & Details links
» Safe Travels USA ComprehensiveBrochure
» Safe Travels USA ComprehensiveDetails
» Safe Travels USA ComprehensiveReviews
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» Patriot AmericaInsurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
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» Diplomat America Insurance Brochure
» Diplomat America Insurance Details
» Diplomat America Insurance Reviews
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Annual Multi-trip travel insurance for Canadians

There are many Canadians who travel to the US and elsewhere outside Canada regularly. These travelers can be businessmen or corporate travelers or those who live close to the US border and travel overseas often.

While there are many top rated travel health insurance plans for multiple trips worldwide, the Patriot Annual Multi trip insurance is an ideal plan for Canadian travelers. Every trip duration can be limited to either 30 days or 45 days with a medical coverage maximum of $1 million. Travelers up to the age of 76 years can buy this plan. The plan is renewable up to 3 years and also offers coverage for pre-existing conditions.

An overview

Travel insurance for Canadian visitors

Travel insurance for Canadian travelers O, Canada!
We get many, many Canadians traveling all over the world calling us with their questions. Many come to the US and have little idea of how our insurance policies work and if they are eligible for them. I thought I would put together a little blog to give some information for these adventurous travelers.

As I understand it, Canadians have great health insurance coverage while in Canada and this can be extended for coverage in the US as well. However, they often (I am told) cannot renew a policy and must return to Canada to purchase more coverage. There are options available from us both before and after you leave Canada.

If you are already in Canada, it depends on your age and for how long you have been in the US. If you are under 65 years, you often have about 6 months to purchase a policy after your arrival here. You can purchase a Patriot America plan (comprehensive) or an Inbound USA plan (fixed).

If you are looking for a plan while still in Canada to cover your travel to the US or If you are a snow bird from Canada who wish to avoid the snow and cold temperatures of northern winter and move to US for few months and maintain family ties staying in US for the rest of the year, you now have more limited options. I’m not sure why this is, but two of the insurance companies we work with no longer accept applications from Canada (I assume this is due to tax issues).

The two companies are WorldTrips and Seven Corners. However, you still do have some options for your travel.

If you are traveling to places besides the US, you can use Safe Travels International or Safe Travels International Cost Saver which offer very economical options for your travel needs for persons up to 89 years old. Also Patriot International has very competitive prices for travel abroad.

If you are traveling into the US, you can purchase Patriot America or Patriot America Plus (the Plus if for people under 70 who have pre-existing medical conditions they are concerned about getting covered) or the Safe Travels USA plans. The Safe Travels USA Comprehensive offers the best coverage for “acute onset” of pre-existing conditions for persons over 70 years old, so this is well worth considering if that applies to you.

INF Travel insurance offers visitors from Canada excellent travel medical insurance in the United States which includes adequate coverage for dental, loss of checked luggage, medical emergencies and accidents incurred while traveling. This works ideally for Canadian Snowbirds during their travel to the USA.

Following are the best US travel insurance for Canadian Snowbirds. So, even though you have lost some options for insurance, you still have many economical choices for your international travel. Canadians are welcome at American Visitor Insurance! Feel free to call our toll free number and chat with an agent if you have more questions or would like to do a transaction by phone.

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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Resourceful travel insurance information for new customers...

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Claims process for expenses due to injury or sickness
Step by step guide to buying the best travel insurance online
Commonly used international travel insurance terms
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An overview

Why is travel insurance to USA so expensive?

There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

Travel insurance for Canadians

US Travel health insurance for Canadians in the USA

Can I get US insurance when I am already in the US? Does the warning level from my country matter to getting US insurance?

YES! Canadians CAN purchase US travel insurance policies from us to cover the remainder of their stay (as long as they like). The travel insurance plans that cover COVID have been written not to exclude coverage based on these levels issued by any government authorities.

Note that the policies are generally renewable, so if plans change (as they so often do these days), the policies can be extended (minimum of 5 days and up to 12 months). Policies are available up to $100,000 for persons in their 70s and up to $50,000 for persons in their 80s. You can use our search engine to determine the best prices for you based on age and deductible you'd like.

The deductible on a comprehensive policy is generally a one-time payment if there are any medical expenses (doctor visit, ER visit, medications, etc). A higher deductible will give a lower premium cost, so it is a balance of what you feel you can pay out in the unlikely event you will need medical attention, and how much the policy costs you per month and day.

When you purchase the policy, you will enter your Canadian address as your "home" or "residence" address regardless of whether you own a home in the US or not. The "residence" country and the "destination" country CANNOT be the same. Then, you can choose the start date (even if it says trip start date) as the first day you need the policy. And, even though you choose an "Trip end date" you can always extend most policies without issue (just do not wait until they have expired).

Unfortunately, insurance coverage for pre-existing conditions is very limited on most US visitor policies for foreign visitors. Some policies will cover "acute onset" of pre-existing conditions which should mean life-threatening emergencies due to pre-existing conditions, but they have all recently excluded chronic and congenital disorders from that coverage. As a non-medical person, I'm not sure what illnesses/disorders that leaves that WOULD be covered. The Safe Travels Elite (a fixed plan) and Safe Travels Comprehensive offers some coverage $25,000 or $15,000 for a cardiac issue. The INF Elite and INF Premier travel insurance plans provide coverage for pre-existing conditions up to the limit for pre-ex ailments as indicated in the plan details.

While there will always be some risk involved while traveling and staying in the US, travelers do have travel insurance options for visiting the US. Compare US travel insurance for Canada and buy the plan that best fits your needs.

As ever, we wish you safe and happy travels!

INF travel medical insurance for Canadian citizens

List of Canadian health insurance for travelling to USA
Premier Plan Elite Network
Compare INF Canadian travel insurance to USA
Compare INF visitor insurance Compare pre-existing coverage

Snowbird Travel Insurance for Mexico

Mexico is a hugely popular Canadian snowbirds travel destination. There are several convenient flights by Air Canada and other airlines from Toronto, Montreal, Vancouver and Calgary to Mexico City, Cancun, Puerto Vallarta. The warm tropical weather, the sandy beaches, the very affordable cost of living and easy travel access from Canada makes Mexico a very attractive for Canadian Snowbirds.

These travel insurance plans cover medical emergencies and unexpected sickness and injury. They however have little coverage for trip interruption, baggage delay and loss.

To bridge that gap, it is prudent to buy trip cancellation insurance plans which provide trip cancellation, trip interruption, missed flight connection coverage...

The top Trip cancellation insurance plans for Mexico are:
  • Round Trip International:RoundTrip International Travel Insurance, Seven corners trip cancellation and trip interruption cover for international travel.
  • Travel Insurance Select:Travel Insurance Services administered Travel Insurance Select covers for trip cancellation and interruption. Trip Cancellation, baggage loss, emergency evacuation.
An overview

Covid19 Travel medical insurance for Canadians in the USA

Greetings to all our neighbors up North! The COVID-19 pandemic has really changed the shape of travel for the time being. I have recently gotten many calls from Canadians who have told me their insurance coverage from Canada is now voided since the Canadian government has now asked all Canadians to stay in Canada and avoid “non-essential” travel.

Many of our Canadian friends were already out of the country and enjoying warmer climes in the US and/ or have altered their travel plans. The recent variant of the SAR’s, the Omicron and Delta have brought about hesitations amongst people and having

Covid19 travel insurance for Canadians to USA
travel insurance is of utmost important. Travelers are offered covid-19 coverage irrespective of which variant caused the illness.

If you have any doubts as to your coverage, we urge to to check on your benefits with your insurance provider and know that we have alternatives should you need coverage now (even though you are already in the US) either due to cancellation or expiration of the policy.

Can Canadians purchase Covid19 American travel insurance that will cover them for coronavirus expenses for a trip into the US?

Yes. There are some Covid insurance for Canadians visiting USA that cover COVID-19 like any other illness. Canadians can use our search engine to compare USA travel insurance with covid coverage for Canadians. They cannot be sick before the start of the policy for coverage to be valid (otherwise it will be considered pre-existing).

Note that some companies cannot sell policies to Canadian citizens or to people with Canadian addresses. However, Global Underwriters, IMG and Trawick International, and INF are companies that can provide policies.

There are currently three US insurance providers namely Trawick International, INF insurance and Global Underwriters who offer US Visitors insurance coverage for coronavirus.

Trawick International Insurance:

Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Visitor Insurance. The Safe Travels USA Comprehensive visitor insurance for Covid19 is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare all Safe Travels USA Insurance plans for Covid19 and buy it online to get coverage as early as the following day.

Global Underwriters:

Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. Diplomat America Covid19 travel insurance is available for Canadians travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.

INF travel insurance:

INF Insurance offers Canadian visitors health insurance for coronavirus in the US, Canada and Mexico. INF US visitors insurance for Canadians covers covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering.

You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite plan insurance for Covid19 and Premier Insurance for Covid19 are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance for Coronavirus.

International Medical Group (IMG) Covid19 travel insurance

International Medical Group (IMG) Coronavirus insurance offers covid19 US travel insurance for Canadians travelling to USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage for Canadian snowbird travelers up to the policy maximum.

Seven corners travel insurance:

Seven corners Liaison Travel Plus coronavirus travel insurance offers coverage for overseas medical expenses arising from Covid19 infection while the travellers are outside their home country. Liaison Student Plus coronavirus insurance offers covid19 medical coverage for international students in the US or outside their home country.

It covers student medical expenses arising from Covid19 illness.Seven Corners Wander Frequent Traveler Plus offers annual medical coverage for business travelers, corporate travelers, employees, employers or anyone taking multiple trips frequently. It covers international medical expenses arising from Covid19 infection. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and Any mutation or variation of SARS-CoV-2.

WorldTrips Covid travel insurance:

Atlas travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Note that Atlas plans purchased on or after July 15, 2020 do NOT exclude COVID-19 medical charges. As ever, we wish you safe and happy travels. Do call us with questions or concerns you may have.

Popular tourist destinations in Canada

Buy travel insurance for canada

Bay of Fundy

The Bay of Fundy, located on the Atlantic coast in eastern Canada, is famous for its high tidal range.

Buy visitor insurance canada

Churchill

Nicknamed the “Polar Bear Capital of the World,” it is one of the top tourist attractions in Canada.

Canada travel insurance

Moraine Lake

Moraine Lake, in Banff National Park is one of the most photographed places in western Canada.

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Gros Morne National Park

The ancient rocks in Gros Morne National Park help people understand how the oceans and continents were created.

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