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.
O, Canada!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.
Health care expenses"I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100."
"Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon......."
"I am pleased to say that your company is very professional in the field of Insurance.
The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need. "
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.
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!
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: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
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.
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.
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) 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 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.
Bay of Fundy
The Bay of Fundy, located on the Atlantic coast in eastern Canada, is famous for its high tidal range.
Churchill
Nicknamed the “Polar Bear Capital of the World,” it is one of the top tourist attractions in Canada.
Moraine Lake
Moraine Lake, in Banff National Park is one of the most photographed places in western Canada.
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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