Best Travel Insurance to USA from Canada
A hospital visit in the USA can cost between $10,000 and $150,000 or more. Most Canadian provincial health insurance plans provide little or no coverage in the United States.
Travel insurance to USA from Canada starts at less than $1 per day and helps cover emergency medical expenses, hospitalization, medical evacuation, pre-existing conditions, and travel emergencies.
Compare A rated travel insurance for Canadians visiting the United States and get a free quote online in minutes.
Which Is the Best Travel Insurance for Canadians to USA?
TrueNorth Travel Insurance for Canadians Visiting USA
Coverage amounts, pricing, and eligibility may vary based on traveler age, trip duration, and destination.
Do I Need Travel Insurance for the USA from Canada?
Canadians frequently travel across the southern border to the United States for various reasons, including seeking warmer weather as snowbirds, enjoying short vacations, or attending business and corporate meetings. Regardless of the purpose, it is highly recommended to purchase travel insurance for the USA from Canada when visiting the United States.
The Government of Canada advises Canadians to obtain travel insurance when traveling abroad. Given the high cost of healthcare in the U.S., being uninsured while visiting the United States poses significant financial risks.
Travel insurance from Canada to the USA provides essential coverage for emergency medical expenses arising from unexpected illnesses or injuries, including hospitalization, surgery, and urgent care visits. Without adequate insurance, even minor medical issues can lead to substantial out-of-pocket expenses.
Why Is Travel Insurance Important for USA Travel for Canadians?
Travel insurance is important for Canadians visiting the USA because provincial health plans in Canada provide very limited or no coverage for medical treatment in the United States. Since healthcare costs in the U.S. are extremely high, even a minor illness or accident can become very expensive without insurance.
Travel insurance Canada to US helps cover essential expenses such as emergency doctor visits, hospitalization, surgery, prescription medication, and medical evacuation if needed during their stay in the USA.
On American Visitor Insurance, we help Canadians find suitable American health insurance for Canadians visiting the United States, along with coverage options for snowbirds, tourists, students, and business travelers.
TrueNorth - Best Travel Medical Insurance Designed for Canadians
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.
The TrueNorth Travel Medical Insurance plan is one of the cheapest travel medical insurance options for Canadians visiting the USA, starting at just $40 CAD for a 20-year-old traveler. It provides essential coverage for emergency medical care, hospitalization, accidents, and medical evacuation or repatriation, offering reliable protection at an affordable price.
Available for travelers up to age 59, these plans can be compared and purchased directly on American Visitor Insurance.
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.
- 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
TrueNorth Trip Cancellation Plans
The best trip cancellation insurance for Canadians visiting the USA is the TrueNorth Trip Protection Plus plan. It offers comprehensive protection, higher coverage limits, and reliable benefits to safeguard your trip to the United States.
For travelers seeking a more budget-conscious option, the TrueNorth Trip Protection Lite plan provides essential trip cancellation coverage at a lower cost-helping Canadian travelers to the USA protect their travel investment from unexpected cancellations or interruptions.
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.
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.
TrueNorth Annual Travel Medical - For Frequent Travelers
The TrueNorth Annual Travel Medical Insurance plan is an excellent choice for frequent Canadian travelers visiting the USA throughout the year. This comprehensive annual travel medical insurance for Canadians visiting the USA provides year-round coverage for multiple trips under a single policy, including emergency medical protection, unlimited evacuation and repatriation, and 24/7 worldwide assistance, helping travelers save time and money while ensuring continuous coverage on every trip.
With annual travel medical insurance for Canadians visiting the USA, you don’t have to purchase separate coverage for every trip-saving both time and money while ensuring continuous health protection and peace of mind on every visit.
How Much Does Travel Insurance to USA From Canada Cost?
The cost of travel insurance to USA from Canada depends on factors such as age of the traveler, duration of travel and stay, coverage needed, policy maximum amount chosen, and deductible selected.
Fixed benefit visitor insurance plans generally have lower premiums with limited coverage, while comprehensive travel health insurance plans provide broader medical coverage and higher policy maximums.
How Much Does the Cheapest American Health Insurance for Canadians Cost?
Cheapest American health insurance for Canadians can start at around $20 per month Safe Travels Advantage is one of the cheapest travel insurance to USA from less than $1/day for Canadian snowbirds and visitors seeking affordable coverage while traveling in the United States. Monthly premiums typically range from $20 to $155 based on the traveler and plan selected.
| Plan Name | Max Coverage | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage Trawick International |
$25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care IMG |
$25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite Trawick International |
$25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
How Much Does Comprehensive Health Insurance for Canadian Visitors to USA Cost?
Comprehensive travel insurance for Canadians visiting USA typically costs between $71 to $353 per month.
| Plan name | Max Coverage | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Safe Travels USA Cost Saver Trawick International |
$50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Patriot America Lite IMG |
$50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Patriot America Plus IMG |
$50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Safe Travels USA Comprehensive Trawick International |
$50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect INF Insurance |
$100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| TrueNorth Travel Medical Trawick International |
$5,000,000 | $126 | Not Available | Not Available |
| Diplomat America Global Underwriters |
$50,000 - $1,000,000 | $125 - $214 | $229 - $301 | $353 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
How Much Does Healthcare Cost in the USA?
Healthcare in the USA is among the most expensive in the world. Without proper travel insurance, Canadians visiting the USA may face extremely high medical bills for emergencies, hospital stays, or even basic medical care.
$120,000K
Stroke - 10-day ICU
$22,000+
Acute kidney failure
$20,000
Heart attack treatment
$5,000
Diabetes ER treatment
$3,000
Echocardiogram (NJ)
$176
Routine physician visit
The main reasons for these high medical costs include significant administrative expenses, the litigious nature of U.S. healthcare, and the need for numerous billing staff by hospitals and insurance companies. Advanced medical technology, costly labor, and expensive malpractice insurance further increase costs.
For Canadians traveling to the USA, being uninsured is risky. In U.S. hospitals, treatment costs are far lower when you have visitor insurance and the hospital is part of a PPO network. Even beyond coverage benefits, simply having travel medical insurance can substantially reduce your medical bills.
Having visitors insurance while visiting the USA helps Canadians avoid the financial burden of unexpected healthcare expenses.
What Does Travel Insurance for Canadians Visiting the USA Typically Cover?
Best US health insurance for Canadian citizens offers essential protection against unexpected medical and travel emergencies while visiting the USA. It provides peace of mind and financial security by covering a wide range of benefits, including:
Covers hospital and medical costs for sickness or accidents, including emergency care, hospitalization, and surgery while in the USA.
Some plans cover the acute onset of pre-existing conditions, subject to specific age limits and policy exclusions.
Insures eligible costs for doctor-prescribed pharmacy drugs needed due to covered sickness or injury.
Covers transportation costs to the nearest suitable medical facility in case of a life-threatening emergency.
Provides coverage for urgent care visits, consultations, and treatment for sudden illnesses or injuries during your stay in the USA.
Includes coverage for repatriating remains to Canada in the unfortunate event of death during travel.
Offers financial benefits in case of a severe accident resulting in death or loss of limbs.
Covers expenses related to lost, damaged, or delayed baggage during your trip to the USA.
Provides assistance and reimbursement for costs involved in replacing a lost or stolen passport while in the USA.
Types Of Health Insurance For Canadian Citizens Living Abroad
Fixed Benefit Travel Insurance
Fixed benefit travel insurance, also known as scheduled benefits travel insurance, is the most affordable US travel insurance plan for Canadians. This plan provides a fixed limit of coverage for different medical benefits, making it ideal for minor ailments or routine medical issues. However, it may be inadequate for serious medical emergencies requiring hospitalization.
- Cheaper US travel insurance for Canadians
- Fixed limit of coverage for each medical expense
- Suitable for minor medical issues
- Not ideal for serious illnesses or hospitalization
Comprehensive Travel Insurance
Comprehensive travel insurance offers flexible and higher medical coverage limits compared to fixed benefit plans. It is ideal for Canadians traveling to the U.S. who want robust coverage in case of serious medical emergencies or hospitalization. Although more expensive, it provides superior protection for unpredictable medical situations.
- Flexible coverage for Canadian travelers in the U.S.
- High medical coverage limits for emergencies
- Ideal for serious illness or hospitalization
- More expensive than fixed benefit travel insurance
Cost of Travel Insurance from Canada to USA: Key Factors & Price Ranges
Age is one of the biggest cost drivers. Younger travelers pay lower premiums, while seniors and snowbirds pay more due to higher health risks and the likelihood of needing medical care in the U.S.
Comprehensive plans (covering medical emergencies, trip cancellation, baggage, and more) cost more than basic emergency medical-only plans. Fixed benefit plans are the most affordable but have set payout limits per service.
THigher medical maximums mean higher premiums. Choosing a higher deductible lowers your monthly cost but increases what you pay out of pocket if you make a claim.
The longer your stay, the higher the premium. Extended stays and snowbird trips (several months in the U.S.) cost significantly more than short one- or two-week visits.
Travel insurance covering the United States is priced higher than plans for Europe, Asia, or other regions because U.S. healthcare costs are among the highest in the world.
Pre-existing conditions can increase your premium or require specialized coverage. Some plans offer acute onset coverage for pre-existing conditions - always check the policy definition carefully before buying.
Optional benefits such as trip cancellation, Cancel for Any Reason (CFAR), emergency medical evacuation, adventure sports coverage, or mobile device protection increase the total premium but provide greater peace of mind.
Family or group policies can reduce the per-person cost compared to buying individual plans separately.
If you visit the U.S. multiple times a year, an annual multi-trip policy is often more economical than buying separate plans for each trip.
Different insurers price similar coverage differently. Comparing quotes from multiple providers is essential to finding the best value for your specific needs.
Approximate cost ranges:
- Emergency medical coverage only: CAD $25 to $50 or more per person for a one-week trip.
- Comprehensive coverage (medical + trip cancellation + baggage, etc.): CAD $100 to $300 or more per person for a week-long trip.
- Annual multi-trip policies: From a few hundred CAD to over CAD $1,000, depending on coverage and number of trips.
Tips to get the best value
- Compare quotes from several insurers - don’t assume the first price is the best.
- Confirm the policy explicitly covers travel to the USA and includes emergency evacuation/repatriation.
- Read the fine print for definitions of “pre-existing condition” and “acute onset.”
- Decide on a deductible you can afford - raising it lowers the premium.
- Consider an annual multi-trip policy if you make multiple trips each year.
info Note: These are estimated ranges. Exact premiums depend on your personal details (age, health, trip length, and selected limits). For a precise quote, get rates from multiple providers and compare coverage limits, deductibles and exclusions.
Is $50,000 Enough for Travel Insurance From Canada to USA?
For minor illness or injury, $50,000 travel insurance might provide sufficient coverage. However, for more serious medical emergencies, hospital stays in the USA can quickly exceed $100,000. Therefore, most experts, including myself, recommend a minimum coverage of at least $100,000. If the traveler is older or at risk of multiple fractures or a longer hospitalization, it’s wise to opt for the highest coverage allowed. Keep in mind that the age of the insured can limit the maximum coverage available.
For those looking for affordable options, the cheapest $50,000 travel insurance for a 65-year-old Canadian traveler with a $250 deductible is the Safe Travels USA insurance plan, starting from $160 per month. Another option is the Patriot America Plus insurance, starting from $173 per month.
info Tip: While $50,000 coverage may be enough for minor incidents, travelers to the USA often choose $100,000 or higher to ensure adequate protection against unexpected medical expenses.
Does travel insurance cover pre-existing conditions?
Yes, travel insurance may cover pre-existing conditions depending on the plan you choose. Most plans cover the sudden and unexpected acute onset of an existing medical condition that requires immediate emergency treatment during the trip. Some plans may also offer broader coverage for ongoing treatment and medical care. Coverage limits, eligibility, waiting periods, and exclusions vary by policy, so it is important to review the plan details carefully before purchasing travel insurance.
Acute Onset Coverage
A sudden, unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention.
Best travel insurance with acute onset of pre-existing conditions are Patriot America Plus, SafeVista Protect, and Safe Travels USA Comprehensive
Full Pre-Existing Coverage
A long-term or ongoing condition that existed prior to coverage and is generally managed over time
Best visitor insurance for pre-existing conditions are INF Elite X, INF Premier X and Visitors Protect (90-day minimum purchase).
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
Compare visitors medical insurance that cover asthma attacks, flare-ups, and emergency treatment abroad.
- INF Elite 90 X: $1M medical, acute asthma coverage
- Visitors Protect: Pre-existing asthma & emergency care
Find visitors health insurance that helps cover arthritis pain, joint issues, and sudden medical care while traveling.
- INF Elite X: Emergency & acute arthritis coverage
- Safe Travels USA: $1M medical, acute pre-existing benefit
Get visitors travel insurance for diabetes, including emergency care for sugar level complications while overseas.
- SafeVista Protect: Diabetes & emergency medical coverage
- INF Elite X: Pre-existing diabetes coverage & emergency care
Choose travel insurance that covers heart problems such as chest pain, heart attack, or cardiac emergencies.
- Visitors Protect: Pre-existing heart condition coverage
- Safe Travels USA Comprehensive: Emergency cardiac care & hospitalization
Protect against health risks from high cholesterol with visitor medical insurance covering related complications abroad.
- Safe Travels USA Comprehensive: Acute onset emergency coverage
- Elite Plus X: Covers Full pre-existing condition coverage
Find visitor health insurance that covers high blood pressure emergencies, strokes, or related complications while traveling.
- INF Premier X: Acute pre-existing & emergency care
- INF Elite Plus X: Full pre-existing hypertension coverage
What Is the Best Travel Insurance for Canadian Seniors Visiting USA?
Canadian seniors visiting the United States should choose travel insurance for Canadian seniors visiting USA plans that provide strong emergency medical coverage, access to PPO networks, and coverage for pre-existing conditions. Since healthcare costs in the USA can be extremely expensive, having reliable travel medical insurance for Canadian seniors helps protect against unexpected medical expenses during the trip.
Comprehensive travel insurance plans generally provide higher coverage limits and broader protection for hospitalization, doctor visits, emergency medical evacuation, and travel emergencies. Best travel insurance for Canadian seniors include Safe Travels USA Comprehensive, Patriot America Plus, Atlas America, and Patriot Platinum.
Canadian seniors looking for the affordable health insurance for Canadian seniors may consider fixed benefit plans such as Visitors Care, Safe Travels Advantage, and Safe Travels Elite, which usually have lower premiums but predefined coverage limits and potentially higher out-of-pocket expenses. At American Visitor Insurance, Canadian seniors can compare affordable health insurance for Canadian tourists in USA online and find coverage options designed for parents, seniors, snowbirds, and long-term visitors to the United States.
Travel Insurance for Canadian Seniors Visiting USA
Senior Citizen Insurance
Travel insurance for Canadian seniors visiting the USA.
Available travel insurance plansPre-existing Coverage Insurance
Offers benefits for the unexpected flare-up of existing conditions.
Available travel insurance plans
Are You Traveling as a Group?
Group travel insurance for USA for five or more travelers on the same itinerary, and enjoy a 5% to 10% discount on the premium.
Get Group Insurance Quote »Snowbird Travel Insurance
Important Things Canadian Snowbirds Should Look for in Travel Insurance
Medical Coverage
Ensure that the travel health insurance plan provides comprehensive flexible coverage for sickness and injuries, including emergency medical evacuation and repatriation.
Pre-existing conditions
It is beneficial to see if the travel medical insurance plan for Canadian snowbirds provides good coverage for pre-existing conditions related medical expenses. Typically, most plans provide coverage for acute onset or sudden recurrence of pre-existing conditions.
Baggage, personal liability, travel delay, missed connections
It is good to have coverage for baggage loss in case the baggage is stolen or damaged along with personal items. Similarly, coverage for personal liability is helpful if you accidentally cause injury or property damage. Coverage for travel delays and missed connections will help cover additional expenses incurred due to these situations.
Duration of coverage and Cost
It is important that the Snowbird insurance for Canadian Snowbirds covers the entire duration of the stay and possible extensions during winter. Check if the travel insurance plan is renewable. Comparing different plans and their costs will help get good value for the money while providing adequate coverage.
Reviews and exclusions
Read the policy document carefully to know what is excluded in the coverage and check customer reviews to ensure the provider is reputable.
warning Note: At American Visitor Insurance, we offer travel health insurance plans for Canadian snowbirds coming to the US enduring harsh winter conditions, keeping in mind the important factors mentioned above. Customers can visit our visitor medical insurance section to explore pre-existing travel health insurance and senior travel insurance pages for insight on travel medical insurance plans, including annual multitrip plans for Canadians visiting the US during winters.
Best Canadian Snowbird Travel Insurance for the USA
If you're a Canadian snowbird heading to the U.S. for an extended stay, choosing the right travel insurance is crucial. Your decision largely depends on whether you require coverage for unexpected issues related to pre-existing medical conditions.
Comprehensive Travel Insurance Plans
For those seeking extensive coverage, including protection for pre-existing conditions, consider the following options:
- Patriot America Plus - Offers comprehensive coverage for unexpected medical emergencies, including acute onset of pre-existing conditions. Plans range from 5 days to 364 days and can be renewed for up to 2 years.
- Safe Travels USA Comprehensive - Provides up to $1,000,000 in coverage, including medical benefits, emergency evacuation, and trip interruption. Available for durations from 5 days to 364 days, with extensions possible.
Budget-Friendly Options Without COVID-19 Coverage
- Patriot America Lite - A cost-effective plan that excludes COVID-19 coverage, making it more affordable for travelers not requiring this protection.
- Safe Travels USA Cost Saver - Designed for budget-conscious travelers, offering essential medical coverage without the added cost of COVID-19 protection.
Cardiac & Stroke Coverage Plans
- Safe Travels Elite - Provides coverage up to $25,000 for cardiac conditions and strokes for individuals under 70, and up to $15,000 for those aged 70-89.
- Safe Travels USA Comprehensive - Includes similar coverage for cardiac and stroke conditions, ensuring peace of mind during your stay.
Need Assistance?
Choosing the right plan can be complex. If you're uncertain about which option best fits your needs, don't hesitate to reach out. Our team is here to help you navigate your choices and find the most suitable coverage for your trip.
Need help? Call us at (877)-340-7910 or email us. to get personal assistance from our licensed agents.What Makes Snowbird Insurance Unique?
While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:
What Happens If a Snowbird Has a Medical Emergency in the U.S.?
John (age 68) in Arizona, October
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.
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.
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.
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.
info 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.
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.
Which Is the Best Annual Multi-Trip Travel Medical Insurance for Canadians?
Many Canadian frequent travelers, including business professionals and corporate employees, travel abroad multiple times each year. Popular destinations include the United States, Mexico, Europe, Asia, and Australia.
For these travelers, the Patriot Annual Multi Trip Insurance is one of the best annual multi-trip travel medical insurance plans for Canadians. It provides worldwide coverage for multiple trips within a year and is ideal for corporate travelers or individuals who make frequent short visits abroad.
Key Features
- Designed for Canadian corporate travelers and frequent flyers.
- Offers worldwide medical coverage for multiple trips per year.
- Each trip duration can be either 30 or 45 days.
- Maximum medical coverage up to $1 million.
Eligibility & Benefits
- Available to travelers up to 76 years of age.
- Plan is renewable for up to 3 years.
- Includes coverage for pre-existing medical conditions.
- Perfect for frequent Canadian travelers seeking hassle-free protection.
Snowbird travel medical insurance for Canadians
Canadian Snowbird travel insurance for the US in winter. Snowbird insurance Winnipeg. Popular Snowbirds travel destinations
When Should I Buy Travel Insurance from Canada to USA?
Buy as early as possiblePurchasing immediately after booking locks in trip cancellation coverage. If you become ill before departure, a policy bought early can cover cancellation costs. Waiting until the day before departure means losing this benefit.
Can I buy visitor insurance while already in the USA?
Yes, most travel medical insurance plans can be purchased after arrival in the USA if no medical event has already occurred. This helps Canadians extend coverage without returning home.
Extending your policyMost US-based plans can be extended mid-trip online, no medical re-evaluation needed (as long as no claim has been made). Canadian plans typically require you to return home to renew - a key advantage of buying US-based coverage.
Can Canadians Buy Travel Insurance After Arriving in the USA?
Yes! Canadians can buy travel insurance after arriving in the USA through American Visitor Insurance, as long as they are still within the eligibility period for the selected plan.
Can I Use Canadian Health Insurance While Living in the US?
Canadian health insurance cannot be used if you are living outside of Canada for an extended period or permanently. Consider reviewing your insurance needs if you are living or planning to live abroad. Local insurance laws may require travel medical insurance as proof for your visa application.
Note: Our policies are generally renewable. If plans change (as they often do), you can extend policies from a minimum of 5 days up to 12 months. Coverage is available up to $100,000 for persons in their 70s and up to $50,000 for persons in their 80s. Use our search engine to find the best prices based on age and deductible.
The deductible on a comprehensive travel insurance USA policy is generally a one-time payment for any medical expenses (doctor visit, ER visit, medications, etc.). A higher deductible results in a lower premium cost, so balance what you can pay in case of medical attention versus monthly/day cost.
When purchasing US travel insurance, use your Canadian address as your "home" or "residence" address, regardless of owning a US home.
The "residence" country and "destination" country CANNOT be the same.
Choose a start date as the first day you need coverage. Even if you select a "trip end date," most policies can be extended without issue.
Important: Coverage for pre-existing conditions is very limited on most US visitor policies for foreign visitors. Some policies cover the "acute onset" of pre-existing conditions (life-threatening emergencies), but most chronic and congenital disorders are excluded. For cardiac coverage, consider:
Safe Travels Elite
Coverage: $25,000
Safe Travels Comprehensive
Coverage: $15,000
Other affordable plans include Elite, Elite Plus, Elite 90, Premier Plus, and Premier, especially if purchased for 90+ days initially.
While traveling in the US always carries some risk, travelers do have travel insurance options. Compare US travel insurance for Canada and select a plan that best fits your needs.
How Long Can Canadians Stay in the USA?
Most Canadians enter the US as B-2 visitors and are typically admitted for up to 6 months (182 days) at a time. However, there are important rules that snowbirds and long-term visitors must understand.
US Customs & Border Protection (CBP) can admit Canadian visitors for up to 6 months. The exact duration is at the officer's discretion and is stamped in your passport. You cannot simply leave and re-enter to reset the clock.
If you spend 183+ days in the US over 3 years (using a weighted formula), the IRS may consider you a US tax resident. Snowbirds spending 4 - 5 months per year should consult a cross-border tax advisor.
If you overstay your authorised admission period, your travel insurance may be void for any claims made during the overstay period. Always ensure your coverage dates match your legal stay. If plans change, extend your policy before the current one expires.
Canadian citizens can enter the US on a TN (Trade NAFTA) visa for work. TN visa holders are not eligible for US employer health plans until they enrol. Short-term visitor insurance from Canada to USA is essential during the gap period.
New Travel Requirement For Canadians Visiting USA For More Than 30 Days
Canadians traveling to the US for more than 30 days are required to register with US immigration authorities and provide fingerprints. This will be a strict enforcement of an existing law which was previously applied inconsistently and aims to improve compliance with US immigration regulations.
This new rule, issued by the Department of Homeland Security (DHS), applies to all foreign nationals crossing the US-Canada land border who are 14 years or older and staying for more than 30 days in the USA. This will impact close to 3 million Canadians annually, including around 1 million "snowbirds" who spend extended winters in the US.
Canadian professionals on long-term assignments in the US must comply with the new registration and fingerprinting requirements.However, short-term visitors to the US, such as tourists and cross-border shoppers should not be impacted.
CAD vs USD in Travel Insurance for Canadians Visiting USA
Most US-based travel insurance plans charge premiums in US dollars (USD). Your credit card issuer will convert at the current exchange rate. TrueNorth travel insurance plans are priced in Canadian dollars (CAD) as they are designed exclusively for Canadian residents.
Claims for US medical care are paid in USD directly to US providers (if using direct billing) or reimbursed in USD to you. If you paid out of pocket in USD, you will be reimbursed in USD. Factor in exchange rate fluctuations when estimating your out-of-pocket deductible costs in CAD.
lightbulbPractical tip: If your deductible is $250 USD, budget roughly $340 - $380 CAD (at current exchange rates). Always carry a credit card with no foreign transaction fees to pay upfront if direct billing is unavailable.
Should Canadians Use In-Network Hospitals in the USA?
Yes, Canadians are strongly encouraged to use in-network (PPO) hospitals and doctors when receiving medical care in the United States.
In-network providers have agreements with insurance companies to offer pre-negotiated lower rates, which helps reduce overall medical costs and minimizes out-of-pocket expenses for travelers.
If Canadians use out-of-network hospitals, they may need to pay higher upfront charges, and only a portion of the expenses may be reimbursed depending on the insurance plan. In some cases, coverage may be significantly lower.
Most American health insurance for Canadians plans, such as those using PPO networks like UnitedHealthcare and First Health, provide better cost savings when treatment is taken within the network.
In emergencies, Canadians should always go to the nearest hospital first. Insurance providers can later help arrange billing or direct payment even if the hospital is out-of-network.
Is It Better to Buy Travel Insurance from the USA or Canada?
Choosing whether to buy travel insurance from the USA or Canada depends on factors such as PPO network access, reimbursement methods, plan cost, and customer service support. Here’s a detailed comparison
Many US based insurance plans offer PPO networks that provide direct billing facilities. In contrast, some European or non-US companies may lack PPO networks in the USA, leading to higher out-of-pocket expenses.
Canadian insurance companies often have extensive healthcare networks within Canada, making it easier to get coverage throughout North America.
Many Canadian based insurance companies operate on a reimbursement basis, requiring upfront payment for medical services. In contrast, US insurance companies often offer direct billing options for easier claims handling.
Insurance plans in Canada can be more affordable but may include coverage limitations. Meanwhile, US insurance companies offer comprehensive travel insurance plans with flexible and extensive coverage benefits.
US insurance companies provide local customer service, ensuring faster claims support. Canadian companies often provide bilingual customer service, which is ideal for travelers from diverse backgrounds.
US insurance plans follow strict government regulations and consistently honor policy terms, offering transparency and reliability to travelers.
Is Travel Insurance for Canadians Visiting USA Worth Buying?
US Health Insurance for Canadian Citizens
Many Canadians travel to the US for various reasons, and having health or travel insurance for Canadians visiting USA is essential. Key reasons to get US travel insurance include:
- Escaping the winter and enjoying warmer climates
- Visiting family in the United States
- Studying or taking courses in the US
- Working or doing business temporarily in the US
- Ensuring adequate coverage and peace of mind while traveling outside of Canada
The Canadian government advises purchasing US travel insurance for short visits to the US to ensure protection against unexpected medical costs.
We often receive queries from Canadian residents in provinces such as Ontario, British Columbia, and Quebec, especially from major cities like Toronto, Montreal, Calgary, Vancouver, Ottawa, and Edmonton.
These travelers often visit southern US states such as Florida, Texas, California, Arizona to enjoy warmer climates during the winter months.
Whether you are visiting for a few days, staying as a student for several years, or spending part of the year in a winter home, we can help you find the perfect US travel insurance from Canada plan that fits your needs.
Canadians who visit the US or Mexico regularly, or live part-time in these countries, may want to consider our Global medical plans .
Applications for travel insurance for Canadians visiting USA are reviewed by an underwriting team and may include riders or exclusions for certain pre-existing conditions.
These global insurance plans offer superior coverage, including preventive care and pre-existing condition coverage, and can be renewed for longer periods compared to shorter-term visitor insurance plans.
They are available annually with flexible payment options - monthly, quarterly, semi-annual, or annual.
Long Term Insurance - Get Quotes »Which is the Best US Health Insurance for Canadian Students?
Find and buy a student health insurance plan USA to get comprehensive coverage while studying in the United States.
Recommended Student Health Insurance Plans
The I-20 Visa for Canadian Students in the USA
The U.S. enjoys a special relationship with Canada. Canadian students coming to a U.S. college or university can obtain an I-20 visa. Some institutions provide health coverage for students, while others require students to purchase their own plan. Choosing the right US student insurance ensures peace of mind and compliance with visa requirements.
International students cannot apply for regular U.S. health plans available to citizens. However, we provide affordable options through our website.
Institutional health plans may be more expensive but are comprehensive, covering wellness, pre-existing conditions, maternity, mental health, and other health needs.
If affordability is your main concern, economical student travel insurance USA options are available through IMG and Global Underwriters.
Canadian students can purchase student health insurance USA through IMG and Global Underwriters.
Global Underwriters plans are ideal for students participating in official sports teams or clubs, with optional collegiate sports riders (excluding football).
IMG offers options like Patriot Exchange, Student Health Advantage, and Student Health Advantage Platinum. Patriot Exchange is economical but excludes maternity and mental health coverage.
Plans must be purchased for full months. Partial months are rounded up, so it’s best to purchase in whole month increments. Plans terminate when students return home.
Best Canadian health insurance for foreign students
Medical Insurance for U.S. Citizens Living in Canada Visiting the US
U.S. citizens and expats living in Canada frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel insurance for U.S. expats visiting USA.
Short term travel health insurance in USA for US citizens visiting the country that are designed by IMG a reputed US insurance provider are
Another popular travel insurance for U.S. citizen traveling to USA is Diplomat America insurance by Global Underwriters.
Cost of health insurance for US expats visiting the USA in 2026
Approximate monthly cost of expat health insurance for visiting USA for a 40-year-old traveler with a $100 deductible.
| Travel Insurance USA | Maximum Coverage | Provider Network | Cost |
|---|---|---|---|
| Patriot America Lite IMG | $50,000 |  |
$79 |
| Patriot America Plus IMG | $50,000 | |
$84 |
| Patriot Platinum America IMG | $2,000,000 | |
$161 |
| Diplomat America Global Underwriters | $50,000 | No PPO | $138 |
Source: American Visitor Insurance®
Looking For Travel Insurance For US Citizens Returning Home During War?
US citizens returning home during war or crisis need travel insurance that provides emergency medical coverage, evacuation, and protection for pre-existing conditions. Explore more options for US citizens, including short-term plans and pre-existing condition coverage, in our Best Travel Health Insurance for US Citizens Returning During War or CrisisWhy Is Canadian Expat Health Insurance Important?
Canadian expat health insurance is essential for Canadians who choose to live, work, or retire outside Canada. While Canadians are protected by the country’s universal healthcare system and supplemental insurance at home, this coverage typically expires after 6-8 months of living abroad.
Depending on the duration of stay, Canadians need either supplemental or replacement health insurance to ensure continuous protection. Having expat medical insurance safeguards travelers and long-term residents from high medical costs in the USA and other countries where universal healthcare is not available.
Choosing the right Canadian expat health insurance plan ensures peace of mind and financial security during unexpected illnesses or accidents overseas. For more information on affordable and comprehensive coverage, explore US expat health insurance plans tailored specifically for Canadians living abroad.
Why Do Canadian Immigrants Need U.S. Medical Insurance?
Given the geographical proximity between the U.S. and Canada, the long land border, and the many economic opportunities the U.S. offers, it is attractive and easy for Canadians to move south to the United States.
Historical Migration of Canadians to the U.S.
In 1867, many Eastern Canadians migrated to the U.S. and began working in the flourishing manufacturing industry. According to the U.S. Census, there were 747,000 English-speaking and 440,000 French-speaking Canadian immigrants in 1900.
These migrants settled along the U.S. borders, facilitating travel between the two countries. Between 1990 and 1930, French Canadian migration increased due to poor economic conditions in Quebec. By the 1980s, Los Angeles had the fourth-largest Canadian population in North America.
Modern Canadian Migration to the U.S.
After NAFTA in 1994, Canadian migration expanded significantly. Migrants included highly educated academics, technology professionals, students, retirees seeking warmer climates, and families for reunification. As of the 2016 U.S. Census, about 783,000 Canadians lived in the United States, nearly 2% of the total 44 million U.S. immigrants, with 47% becoming naturalized citizens.
Why U.S. Immigrant Medical Insurance is Essential
Migrating to the U.S. involves risks due to differences in weather, culture, food, and healthcare. The U.S. healthcare system is private and expensive. A short-term U.S. immigrant insurance plan provides coverage for illness or injury until eligibility for domestic U.S. health insurance.
At American Visitor Insurance, Canadian immigrants can purchase affordable U.S. immigrant medical insurance tailored to their needs, ensuring peace of mind and financial protection while relocating.
Why Canadian Travelers Trust American Visitor Insurance for USA Coverage?
At American Visitor Insurance, we've assisted thousands of Canadian travelers seeking reliable travel insurance for the USA. Whether you're planning a short trip or an extended stay, our plans are designed to offer flexible and comprehensive coverage tailored to your needs.
One common concern among Canadian snowbirds is the challenge of extending their existing Canadian insurance while in the U.S. Typically, Canadian policies require you to return home for renewal.
However, our plans allow you to initiate coverage the day your current policy ends, eliminating the need for a return trip.
For travelers with pre-existing medical conditions, securing appropriate coverage can be challenging. While we always recommend consulting with your doctor before traveling, it's reassuring to know that some of our plans cover the "acute onset" of pre-existing conditions.
It's important to note that these plans do not cover ongoing treatment or medication for pre-existing conditions.
Instead, they provide coverage if there's an unexpected recurrence of a condition. For instance, our plans covering acute onset of pre-existing medical conditions offer peace of mind during your travels. We encourage you to compare our rates and coverage options with those offered by your Canadian provider. If your travel plans change or if you need assistance in selecting the best policy for your needs, don't hesitate to call us. We're here to help you navigate your options and ensure you have the right coverage for your journey.
Where Can I Buy the Best Travel Insurance from Canada to USA?
You can buy the best travel insurance from Canada to USA easily through American Visitor Insurance, a trusted platform that specializes in travel medical insurance for international travelers, including Canadian visitors to the USA, long-term snowbird coverage.
We partner with top-rated U.S. insurers including International Medical Group (IMG), Trawick International, and Global Underwriters, offering a wide range of reliable travel insurance options in one place. We offer US and Canada travel insurance plans for travelers moving between both countries.
Why buy Canadian travel insurance to USA through American Visitor Insurance?
Affordable & Transparent Pricing
Best price guaranteed - no extra fees. Get an instant quote and purchase coverage online quickly and hassle-free, with pricing you won’t find lower elsewhere for the same coverage.
Support When You Need It
With customer support available across both East and West Coast U.S. time zones, assistance is provided during the application process and even with claims while travelers are in the United States.
Licensed & Transparent Service
With customer support available across both East and West Coast U.S. time zones, assistance is provided during the application process and even with claims while travelers are in the United States.
Comprehensive Global Protection Coverage
International travel insurance from Canada to USA plans provide coverage for emergency medical treatment, hospitalization and doctor visits, medical evacuation and repatriation, and PPO network access across the USA, all backed by leading international insurers and extensive healthcare networks.
Licensed & Trusted Platform
American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering Canadian travelers a reliable and secure way to purchase travel insurance online.
public Overall: American Visitor Insurance provides a convenient, trusted, and user-friendly way to find the right international travel insurance from Canada to USA, whether you are looking for comprehensive plans, cheap travel insurance to USA, or specialized snowbird coverage.
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Example Scenario: Canadian Couple Extending Their Stay in the USA
A couple from Canada, aged 64 and 61, were visiting the United States with travel insurance purchased from their home country. Their existing policy was about to expire, but they decided to extend their stay in the U.S. for another 20 days and needed continued medical coverage during that period.
Since their Canadian insurance could not be extended from abroad, they needed a short-term U.S. visitor insurance plan that:
- Could be purchased after arrival in the United States,
- Provided comprehensive medical coverage, and
- Was cost-effective for a brief 20-day period.
We recommended three popular comprehensive visitor insurance plans suitable for travelers already in the U.S.:
- Patriot America Plus - from IMG, offering strong coverage for visitors up to 70 years old.
- Safe Travels USA Comprehensive - a trusted option with broad PPO network access.
- Atlas America - known for flexible coverage and high policy maximums.
Indian with Canadian PR Visiting the US on H1B Visa
Hello, I am on an H1B Visa and I just arrived in the US one day ago. I want travel insurance for one month after which I will be qualifying for domestic insurance. I have Canadian PR. Should I enter Canada as my home country? I have an Indian passport. Is there domestic short-term insurance available? Thanks for your help!
Dear Yudhvir, thanks for your inquiry with American Visitor Insurance! Here are the plans that are best suited for you:
- policy maximum: $50,000 to $1,000,000.
- Coverage from 5 days to 364 days
- deductible: $0 to $5,000
- policy maximum: $25,000 to $100,000.
- Coverage from 5 days to 36 months
- deductible: $0 to $100
Hope this helps! Warm regards,
Travel Insurance for Canadian Snowbirds Visiting the USA FAQs
Answers to common questions about travel medical insurance for Canadian snowbirds visiting the United States.
Yes, Canadians can access healthcare services in the United States, but it is not covered by Canadian provincial health insurance in most cases.
This means Canadians must pay out-of-pocket or use travel medical insurance when receiving treatment in the USA. Since healthcare costs in the United States are very high. A single emergency room visit can cost $3,000 - $15,000+. A hospitalisation can exceed $100,000. Therefore, Canadians traveling to the USA are strongly advised to have best medical insurance to travel to USA from Canada on American Visitor Insurance that covers medical emergencies during their stay.
Yes - most US-based US health insurance for Canadian citizens allow to extend coverage while already in the USA, as long as no claim has been made and the extension is done within the policy rules.
However, some plans may have restrictions, such as requiring travelers to return to Canada before renewal or limiting mid-trip extensions.
Best travel insurance for Canadians to USA plans such as Safe Travels USA Comprehensive, Patriot America Plus, and Atlas America generally offer more flexible extension options while in the USA, subject to plan terms. To know more about renewing visitor insurance, read our detailed guide on plan extensions and renewals.
Most Canadians traveling to the USA choose travel medical insurance with coverage between $100,000 and $500,000, depending on age, trip length, and health condition.
Since healthcare costs in the United States are very high, seniors and snowbirds often prefer $500,000 to $1,000,000 coverage for stronger protection against emergencies such as hospitalization, surgery, or medical evacuation.
For short trips, lower coverage amounts may be sufficient, but it is important to ensure the travel medical insurance for Canadians plan includes emergency medical care and evacuation benefits.
General Information About USA
Resourceful Tourist Health Insurance USA Information
Explore useful travel insurance guides, comparison tools, FAQs, and resources for visitors traveling to the USA.
Find the best visitor insurance plan based on your budget and travel needs.
Learn More →Understand how claims work for medical expenses, injuries, and sickness abroad.
Learn More →Simple guide to buying the best international travel insurance for the USA.
Learn More →Learn commonly used visitor medical insurance and travel insurance terms.
Learn More →Coverage options for tourists, students, cruises, J1 visa holders, immigrants, and more.
Learn More →Compare visitor insurance plans side by side to find the right coverage.
Learn More →Find the Best US Visitor Insurance Coverage
Helpful blogs and travel insurance articles to compare plans, understand coverage, and buy the best visitor insurance for the USA.
Fixed benefit or scheduled benefit plans are among the most affordable travel insurance options.
Learn More →Explore travel insurance plans that include coverage for pre-existing conditions.
Learn More →Compare fixed benefit and comprehensive visitor insurance plans side by side.
Learn More →Learn why travelers compare and buy visitor medical insurance online before travel.
Learn More →Find affordable visitor insurance plans with reliable medical coverage for the USA.
Learn More →Understand deductibles, coinsurance, PPO networks, and how visitor insurance claims work.
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