travel insurance in usa for canadian

Manulife CoverMe ® Travel Insurance for Travelling Canadians

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Spend a little to save a lot in case of an emergency with Manulife travel insurance

When you’re travelling, unexpected expenses can result in a hefty bill on top of what you already paid for your trip. Travel insurance for Canadians can:

• Help pay for emergency health expenses if you were to get sick, fall and be sent to a foreign hospital
• Take your mind off “what ifs” and the financial consequences of flight delays or cancellations, misconnections, baggage issues, and more
• Minimize loss of non-refundable travel expenses when you must cancel for a covered reason, such as visa delays, or if a loved one gets sick and needs your care

Manulife travel plans for travelling Canadians

Single trip plans help protect you for one trip, either just for yourself or for your family. You can get these whenever you travel out-of-province or country.

Emergency medical plans

When you travel out of the country, you are responsible for all health-related expenses that could arise. Medical plans help you cover health care expenses such as physician services, ambulances, semi-private hospital accommodations, diagnostic tests, and more.

Single-Trip Emergency Medical

This plan helps protect you from emergency medical costs during one trip for the number of days you'll be away.

• Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
• Save 50% when your travel is within Canada

Single-Trip TravelEase TM

This plan helps protect you from emergency medical costs, even if those costs are associated with a pre-existing medical condition.

• Medical underwriting required to cover pre-existing medical conditions

COVID-19 Pandemic Plan

This plan can help protect you even if the travel advisory for your destination changes to "Avoid Non-Essential Travel" due to COVID-19.

• Up to $1 million for COVID-19 related emergency medical costs (up to $5 million if vaccinated)
• Up to $5 million for non-COVID-19 related emergency medical coverage

Download a comparison chart for medical plans (opens PDF)

Non-medical plans

Life happens, and even the most carefully planned trip can still be negatively affected by circumstances outside of your control. We offer a range of protections for your trip, which can help you travel securely knowing that your prepaid travel costs are protected from cancellations, interruptions, baggage loss, and even changed plans.

Trip Cancellation and Trip Interruption

Helps cover non-refundable trip costs if you need to cancel, return early, or stay longer than planned due to a covered event.

• Select trip cancellation coverage amount based on your pre-booked trip expenses
• Select either $800, $1,500 or unlimited coverage to bring you home early due to a medical emergency or other covered events
• Up to $1,700 for misconnection and up to $1,500 for delay return coverage

Non-Medical All-Inclusive

Includes all benefits from the trip cancellation & interruption plan, and more.

• Unlimited trip interruption coverage for early return due to a medical emergency or other covered event
• Up to $2,700 for misconnection and up to $3,500 for delay return coverage
• Includes up to $1,500 coverage for baggage issues, $100,000 for flight accident, $50,000 for travel accident, and more

Download a comparison chart for non-medical plans (opens PDF)

All-inclusive plans

These comprehensive plans help protect you and your trip from the costs of unforeseen events and medical emergencies, so you can set out knowing that you’re prepared, and that we’re here to help in the event of the unexpected. 

Single-Trip All-Inclusive

The best of both worlds – this comprehensive plan protects you from both emergency health costs and unexpected travel costs.

• Unlimited trip interruption coverage to bring you home early due to a medical emergency or other covered events

Youth All-Inclusive

A discounted all-inclusive plan for travelers 29 and under.

• Up to $1 million in emergency medical coverage, including COVID 19 related emergency medical costs*
• Select trip cancellation coverage amount, up to $5,000 
• Economy flight to bring you home early due to a medical emergency or other covered events
• Same-class flight and up to $300 for accommodation and meals for misconnection and travel disruption coverage
• Includes up to $500 coverage for baggage issues, $25,000 for flight accident, $10,000 for travel accident, and more

Youth Deluxe All-Inclusive

A more comprehensive version of the youth all-inclusive plan, available at a discounted rate for travelers 29 and under.

• Up to $5 million in emergency medical coverage, including COVID 19 related emergency medical costs*
• Select trip cancellation coverage amount, up to $10,000
• Same-class flight and up to $1,300 for accommodation and meals for misconnection and travel disruption
• Includes up to $1,000 coverage for baggage issues, $100,000 for flight accident, $50,000 for travel accident, and more

Download a comparison chart for all-inclusive plans (opens PDF)

*This plan will cease to provide coverage for COVID-19 related emergency medical costs if the government changes the travel advisory to "Avoid Non-Essential Travel" for your travel destination due to COVID-19. 

For the seasoned traveler, these plans help protect you for unlimited trips within the year. They offer versatile and comprehensive protection that goes with you whenever — and wherever — you travel.

Multi-Trip Emergency Medical

Have more than one trip planned for the year? This plan helps protect you from emergency health costs for multiple trips in a year.

• Get covered for unlimited number of days when travelling within Canada
• Protects unlimited trips per year

Multi-Trip TravelEase TM

This plan helps protect you from emergency medical costs for multiple trips a year, including pre-existing conditions approved through medical underwriting.

Multi-Trip All-Inclusive

Comprehensive protection that covers emergency medical and unexpected travel expenses.

• Up to $1,500 or $2,500 per trip for trip cancellation, to a maximum of $10,000 per year
• Up to $2,700 for misconnection and up to $3,500 for delay return coverage per trip
• Includes up to $2,000 coverage for baggage issues, $100,000 for flight accident and $50,000 for travel accident insurance per trip, and more

Download a detailed comparison chart for multi-trip plans (opens PDF)

Have existing coverages through work or credit card? Did you know that these policies only protect you up to a certain number of days which might not be enough to protect you for the entire trip? You can top up your existing coverage to the full duration of your trip with the plan below. 

Emergency Medical Top-up

Top up your existing credit card coverage or multi-trip plan from Manulife or another insurer.

• Up to $10 million in emergency medical coverage
• Includes coverage for COVID-19 related expenses

Why Manulife?

As a top travel insurance provider, all our plans for travelling Canadians come with the following benefits:

• Access to Manulife’s Travel Assistance 24/7 – 365 days a year – wherever you are in the world
• Full refund for medical plans before your effective date if you change your mind
• 50% off when you travel within Canada for select plans

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

The cost of travel insurance for Canadian seniors varies depending on age, coverage level, duration and if you want coverage for pre-existing medical conditions, among other features and protections such as trip cancellation, trip interruption, and baggage loss. 

Typically, travel insurance for Canadian snowbirds requires longer duration coverage than other types of trips, since snowbirds tends to stay down south in the USA for longer periods to escape the Canadian cold. The best travel insurance plans for snowbirds offer flexibility for easy extension and comprehensive emergency health coverage. Manulife offers Canadian seniors and snowbirds the flexibility to easily extend their coverage if needed, and our medical plans for vaccinated travellers all contain up to $10 million in medical coverage. If snowbirds are travelling to the USA multiple times a year, they can also consider purchasing a multi-trip plan to cover all their trips within one year. 

Need assistance?

Want to talk through your options.

Have questions and want to speak to a licensed insurance advisor? We can help with that!

Submit a travel claim

Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in.

Explore other travel insurance products

Travel insurance for students.

Get help with medical expenses when studying away from home – either in Canada or abroad.

Travel Insurance for Visitors to Canada

Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for the super visa.

Traveling From Canada to the US? Here Are 3 Health Insurances to Know in 2023

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Hopping across the border to Canada is an easy and exciting trip for most Americans, regardless of whether it's for business, to visit friends or family, or to see the famous Niagara Falls, Canadian Rockies, or bustling Toronto And while traveling to the US can be an accessible, it's worth remembering that out-the-pocket healthcare costs are the most expensive in the world, so it's not just a good idea, but essential, to arrive in the country with travel health insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the US and other countries worldwide. Our list below explores the four services we believe provide the best deals for young adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats alike.

US Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the US:

Best Travel Insurances for the US

• 01. Should I get travel insurance for the US? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance from Canada to the US scroll down

Is Travel Insurance Mandatory From Canada to the US?

No, travel insurance is not mandatory for travel to, or through, the United States of America from Canada.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the US or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the USA from Canada:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for visitors from Canada traveling to the USA. It lets you choose between various plans tailored to meet the specific needs of your trip to the US, including coverage for emergencies, doctor's visits, and other medical-related expenses. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the US:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /person /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another good travel insurance provider for the US, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from Canada with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /person /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for young people or digital nomads from Canada because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in the USA knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /person /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term traveling

Compare For Yourself

In this post, we explored three travel insurance providers you should consider for your next trip to the US from Canada. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇

Find travel insurance for you:

How do they compare.

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the US? Take a look at the side-by-side chart below:

Data correct as of 14/02/2023

FAQ About Travel Insurance from Canada to the US

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, travel insurance is not mandatory for travel to the USA. However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel to the US. For what's usually an affordable cost, taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to visitors worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with traveling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the insured, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent tourists.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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• Global travel destinations
• Canadians travelling to the US

Travel health insurance for Canadians visiting the US

Popular travel insurance for usa from canada, annual multi-trip travel insurance for canadians to usa.

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.

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Best seniors travel insurance with pre-existing conditions coverage.

Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition" .Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.

Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite , Elite Plus and INF Elite 90 .

To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions.

Here are some travel insurance tips for travelers with pre-existing conditions

• Choose a travel medical insurance with pre-existing conditions coverage.
• Read the policy carefully to understand what is covered and what is not.
• Be aware of look back period for coverage of pre-existing conditions.
• Consider buying an US travel health insurance plan with higher medical coverage.
• Keep a copy of your medical records and list of medications when you travel.
• Take your Doctor's prescription and medications during your trip.
• Learn how to access healthcare at your destination.
• Contact your US traveler insurance provider immediately in case of a medical emergency.
• Disclose all pre-existing conditions when purchasing visitor health insurance.
• Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America , Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

• The definition of pre-existing conditions and the look back period under the policy.
• The eligibility age limit for pre-existing conditions coverage.
• Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
• The coverage limit for pre-existing conditions which is different from the policy medical maximum.
• The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01.  how do i know if my pre-existing condition is covered by travel insurance.

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90 ) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02.  What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06.  Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans.

07.  Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08.  What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here :

• The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
• Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
• Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years. The plan provides acute onset of non-chronic pre-existing conditions coverage..
• Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
• Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
• Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

How much is travel insurance to USA from Canada?

The cost of travel insurance from Canada to USA can vary significantly depending on various factors. These factors include:

• Coverage Types: The type of coverage you choose will have a significant impact on the cost. Basic coverage for emergency medical expenses will be less expensive than comprehensive coverage that includes trip cancellation/interruption, baggage loss, and additional benefits.
• Trip Duration: The length of your trip can affect the cost of travel insurance. Longer trips typically have higher premiums than shorter ones.
• Age: Your age can influence the cost of travel insurance. Older travelers may pay higher premiums due to increased health risks.
• Destination: The cost of travel insurance can also depend on your travel destination. Some countries or regions may have higher healthcare costs, which can affect the premium.
• Pre-Existing Medical Conditions: If you have pre-existing medical conditions, you may need to pay a higher premium for coverage or obtain specialized coverage.
• Coverage Limits: Higher coverage limits for medical expenses, trip cancellation, or other benefits will result in higher premiums.
• Deductibles: Choosing a policy with a higher deductible can lower the premium, but it means you'll pay more out of pocket if you need to make a claim.
• Add-Ons and Optional Coverage: Adding optional coverage like Cancel for Any Reason (CFAR) or coverage for adventure activities will increase the cost of the policy.
• Provider: Different insurance providers offer different pricing structures, so it's essential to obtain quotes from multiple providers to compare costs.
• Number of Travelers: If you're traveling with a group or family, you can often get a discount for insuring multiple travelers under the same policy.
• Frequency of Travel: If you're a frequent traveler, you may consider an annual multi-trip policy, which can be more cost-effective if you travel multiple times in a year.

To provide a general idea, here are some approximate cost ranges for travel insurance in Canada:

• Emergency medical coverage: $25 to $50 CAD or more per person for a week-long trip.
• Comprehensive coverage (including medical, trip cancellation, baggage, etc.): $100 to $300 CAD or more per person for a week-long trip.
• Annual multi-trip policies: These can range from a few hundred dollars to over $1,000 CAD, depending on coverage levels and the number of trips covered.

It's important to shop around, obtain quotes, and carefully read the terms and conditions of different policies to ensure that you're getting the coverage you need at a price that fits your budget. Additionally, consider factors such as the ratings of the insurance provider and the contact customer service on American Visitors Insurance when choosing a policy.

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, us travel insurance from canada, can i get us insurance when i am already in the us.

YES! Canadians CAN purchase US travel insurance policies from American Visitor Insurance to cover the remainder of their stay (as long as they like).

Note that our 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 travel insurance USA 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 US travel insurance 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 Elite insurance , Elite Plus insurance , Elite 90 insurance , Premier Plus insurance and Premier insurance are cheaper per month if you purchase at least 90 days the first time you buy them.

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!

Canadian Immigrants and some statistics in the USA

Given the geographical proximity between the US and Canada, the long land border, and the many excellent economic opportunities that the US offers, it is attractive and easy for Canadians to move south of their border to the United States.

It was in the year 1867 that many Eastern Canadians migrated to the United States and started working in the flourishing manufacturing industry. The U.S Census had recorded 747,000 English-speaking and 440,000 French-speaking Canadian immigrants in 1900.

These migrators settled in the borders of the US which allowed them to easily travel between the two countries. During 1990 to 1930 the French Canadian migration increased due to the poor economic conditions in Quebec. Los Angeles had the fourth major Canadian population in North America in 1980s.

In the late 20th Century after the signing of the North American Free Trade Agreement (NAFTA) in 1994 Canadian migration expanded significantly. During this the Canadian communities who migrated included highly educated academics, technology professionals, students along with Canadians who wanted retire in warmer areas in the US or to reunify with their family and other retirees. There are about 783,0000 Canadians who lived in the United States according to the 2016 U.S census data. Nearly 2% of the 44 million U.S. immigrants. 47% Canadians became naturalized citizens in 2016 from the total foreign-born population in the US.

Migrating to the US in search for better living and economic status is often very challenging and involves many risks. While planning to relocate one should reflect on all the unforeseen situations that may occur due to difference in weather conditions, food, culture and most importantly healthcare systems. The US while offering excellent opportunities also has a very expensive healthcare system and sudden changes often results in increased chances for illness.

Unlike the government supported Canadian health system, the US health care system is private and very expensive. In the US it is very necessary to have good immigrant medical insurance. Good short term US immigrant insurance plan will provide coverage for medical expenses incurred in case of any injury or illness till one is eligible for domestic US health insurance. At American Visitor Insurance, Canadian immigrants can buy reasonable US immigrant medical insurance according to their requirements.

Travel Insurance USA from Canada, Travel insurance Canada to USA - FAQ's

Can a snowbird visitor get health insurance in usa.

Yes. Snowbird Visitors and tourists can all buy travel health insurance in the US. We recommend the travel insurance for Canadian snowbird visitors to be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.

How does Snowbird travel insurance work?

Snowbird travel medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for Canadian Snowbirds also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.

Do Snowbird tourists need travel insurance?

Often health insurance from a home country will not cover Snowbirds while they are traveling in a different country. If they are in a country with high medical costs such as the US, they should consider purchasing international travel insurance in case they should need any medical care. The travel health insurance for Canadian Snowbird tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.

What happens if a Snowbird tourist gets sick in USA?

Snowbird Tourists can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US tourist health insurance for Snowbirds for the duration of their stay.

What happens if a tourist from Canada gets sick in USA? What happens if a tourist from Canada goes to the hospital in the US? How are Canadian tourists emergency hospital bills handled ? What is involved in seeing a Doctor in the US as a tourist? How is the medical treatment in USA for Canadian handled?

The above are common concerns of Canadian tourists visiting the United States. It is extremely important for US tourists to know that healthcare in the US is very expensive and that most US residents have health insurance to cover their medical expenses. Given this situation, it is important for US tourists to have the best travel insurance for US as they are fully responsible for any medical expenses that they incur in the country. Being forced to get medical treatment in usa without insurance can be financially catastrophic, and the best way to shield oneself from this situation is to buy US travel insurance for the entire duration of one’s visit to the country.

Visitor immigrant insurance being made mandatory for the US

The US government has recently made a proclamation making it compulsory from November 3rd 2019 for all new immigrant visa applicants to have adequate US health insurance while in the United States.

This rule will impact new US immigrant visa applications, such as family members of the US citizens. The aim of this compulsory US immigrant health insurance is to reduce the burden on US tax payers by uninsured new US immigrants.

The proclamation will not allow immigrants from entering the US if they do not have at least one of following approved health insurance. The listed approved health insurance options are

• an employer-sponsored plan, including a retiree plan, association health plan, and coverage provided by the Consolidated Omnibus Budget Reconciliation Act of 1985;
• an unsubsidized health plan offered in the individual market within a State;

• a short-term limited duration health policy effective for a minimum of 364 days — or until the beginning of planned, extended travel outside the United States;
• a catastrophic plan;
• a family member’s plan;
• a medical plan under chapter 55 of title 10, United States Code, including coverage under the TRICARE program;
• a visitor health insurance plan that provides adequate coverage for medical care for a minimum of 364 days — or until the beginning of planned, extended travel outside the United States;
• a medical plan under the Medicare program;
• any other health plan that provides adequate coverage for medical care as determined by the Secretary of Health and Human Services or his designee.

While this rule is focused on those applying for US immigrant visas, we are getting customer feedback that even travelers on tourist visas are expected to have proper short term visitor insurance. The visitor and immigrant insurance plans offered at American Visitor Insurance satisfy the definition of visitor health insurance plans as well as catastrophic plans in the United States as listed above.

After purchasing these US visitor insurance plan, customers will immediately receive the insurance document by email. Customers can use this visitor insurance document as proof of health insurance in the US while applying for the US visa. Irrespective of this proclamation, given the high cost of US healthcare, it is strongly recommended for all prospective immigrants and tourists to buy adequate US immigrant health insurance .

Health Care in the US

Naturally, the first thing one thinks about when planning a trip is not how much a trip in that country’s ER will cost you. However, we do suggest you consider the high costs of health care in the US and arrange to have yourself and your loved ones covered in case something does happen.

Emergency room expenses and hospital stays are extremely expensive and regularly impoverish under-uninsured and uninsured people in the US. It is not a great state of affairs, but at the moment, this is a reality.

You must be very careful and bring any prescription medication as well as a prescription or copy of such so that you can show that you have good reason to have medications with you. There are lower cost “Urgent Care” centers that can be used for sudden, non-life threatening situations that will be cheaper and quicker than trying to visit a hospital emergency room. They can assess the situation and often treat the situation quickly and efficiently. They also are open beyond “normal” doctor hours (why do these things seem to always happen on Sunday afternoons?) which can be helpful to be aware of.

Here at American Visitor Insurance, we have many USA travel insurance for Canadians from reputable US insurance companies who help travelers from Canada receive the care they need! Let us help you find the right medical travel insurance for Canadians visiting the United States.

Annual multi-trip travel insurance for Canadian corporate travelers

Given the interconnected nature of the Canadian and the US economies, there are many Canadian business people and Corporate employees who make several trips annually to the US for work. This is especially true for residents of cities close to the US border such as Vancouver, Toronto, Montreal as well as Calgary and Winnipeg.

For regular travelers, buying the Annual multi-trip travel insurance works very well. The annual multi-trip insurance insures the traveler for innumerable trip throughout the whole year as long as each trip is limited a fixed duration (usually 30 or 45 days) depending on the multi-trip insurance plan.

Factors that determine the cost of US travel insurance plans

Traveler’s age

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Length of travel insurance coverage

The longer the period of visitors insurance required, the greater will be the cost of travel insurance.

Medical maximum limit, co-insurance and deductible options

The travel insurance cost is directly dependant on maximum medical coverage and inversely proportional to the deductible and co-insurance of the plan chosen.

Fixed benefit of Comprehensive travel insurance

Fixed benefits visitor insurance are cheaper while comprehensive US travel insurance with exhaustive coverage are more expensive.

Coverage region

The cost of travel insurance depends on the coverage region with the price for visitor health insurance for the US being most expensive.

Any add on benefits or special coverage

Any add-on benefits or special coverage like adventure sports or acute onset of pre-ex conditions coverage … will increase the cost of travel insurance.

Snowbird Travel medical insurance for Canadians, International medical insurance for Canadian snowbirds

Find the best Snowbirds travel insurance

Travel medical insurance for visiting Canada... Know more

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Travel insurance for US citizens traveling to Canada... Know more

Travel insurance for Canadian seniors... Know more

Covid19 travel restrictions for travel to Canada Know more

INF travel insurance for Canadian citizens to United States

Long Term and Flexible travel insurance for Canadians to the US

Here at American Visitor Insurance , we have talked with thousands of our Canadian neighbors getting insurance for their US stays for many number of reasons. Some of our Canadian clients have wanted to extend their trips beyond the coverage they purchased from Canada before leaving. It seems that to continue with a Canadian plan, you must return to Canada to make your purchase. However, with our health insurance for Canadians traveling in the United States, you can start coverage the day your other coverage ends and not have the expense or bother of a return trip.

Also, in some cases, particularly for clients with pre-existing medical conditions, they are not able to get their Canadian insurance for their trip due to some constraint or another. While, of course, we would never suggest traveling against advice of doctors; some of our plans cover “acute onset” of pre-existing medical conditions .

To be clear, the conditions must be stable and they will not cover required treatment or medication for such a condition, but they will kick in if there is some unexpected recurrence due to the pre-existing condition. o, check our rates and compare medical travel insurance for Canadians visiting the United States to what you are offered from your home country or keep us in mind if your travel plans change along the way!

• Safe Travels USA Comprehensive Insurance
• Patriot America Insurance
• Patriot Platinum Insurance
• INF Elite Insurance
• INF traveler USA Insurance

• Patriot America Plus Insurance

Popular tourist destinations in the United States

Mount Rushmore

Mount Rushmore depicts the faces of four former American presidents, each of which is carved and blasted from the side of a rock face.

Niagara Falls

The water from Lake Erie flows into Lake Ontario over these massive waterfalls along the US and Canadian border.

Statue of Liberty

The Statue of Liberty is America's most familiar icon. It is the largest statue in the world with 152 ft in the New York city Harbor.

Yellowstone National Park

It is home to a huge ancient volcano which has resulted in a dramatic landscape and awesome natural phenomena. It is also home to some amazing wildlife.

USA - General information  

Usa - general information.

New York , San Francisco , Los Angeles , Las Vegas , New Orleans, Chicago , Grand Canyon, Orlando , Washington D.C.

North America

Washington D.C.

  English

Around 327 million

Throughout the year.

Canadian citizens visiting the US

Given that nearly 90% of Canada's population lives within 100 miles of the US border, it is really no surprise that Canadians are the top source of tourists to the United States. In 2018 alone, the US had over 21 million overnight trips from Canada with almost half of these arrivals by air and the other half by crossing the land border.

US has a very varied topography and shares land borders with Canada to the North and Mexico to the south. The United States attracts tourists for many places like New York , Seattle , Chicago , San Francisco , Los Angeles , Las Vegas , Orlando , Disneyland, Grand Canyon, amazing Niagara Waterfall, many natural parks like Yellowstone National Park, Yosemite National Park, Grand Teton National Park etc.

Canada's population has a relatively large number of baby boomers and this older generation prefers traveling nearby to the US. Many Canadian baby boomers spend a lot of time and money escaping the cold during Canada's long winters. Also known as Canadian Snowbirds, they are attracted to the southern warmer states of the US, mainly Florida , Arizona and Texas .

US health insurance for Canadian students in the US or US students in Canada

Buy a plan and get coverage for your studies in the USA.

The I-20 Visa for Canadian students in USA

The US enjoys a special relationship with Canada. Students wishing to come to a college or university in the US can obtain an I-20 visa to do so. Oftentimes, the college or institution will offer health coverage for their students. Some do not and the student must find their own policy.

What health insurance can Canadian students purchase?

International students cannot apply to 'regular' health care plans available to citizens. However, we have options for you through our website.

Note that if you do get the option of an institutional health plan these will likely be more expensive than what we offer, but they are very complete. They are, in fact, domestic policies not otherwise available to visitors. They are very complete and cover wellness, pre-existing conditions, maternity, mental health, and pretty much all health care needs.

If those are not main concerns and if you are looking for more economical options, there are plans for international students available.

What plans do you recommend for Canadian students and why?

Canadians that wish to study in the US can get health insurance through our website. The best options are those offered by IMG and Global Underwriters

The Global Underwriter plans are best if the student is on an official sports team or club. You can choose an optional collegiate sports rider to cover injuries related to that sport (low, medium, and high; unfortunately there is no coverage for football).

IMG has several student options available ( Patriot Exchange , Student Health Advantage and Student Health Advantage Platinum ). Patriot Exchange offers a very economical price, but note the exclusion of maternity and mental health coverage.

Student plans must be purchased for whole months. If you purchase one month and three days you will pay for two months. Therefore, you may as well sign up for two whole months. When the student returns home, the plans are terminated.

Canadians traveling Worldwide

Travel health insurance for Canadians traveling worldwide.

Steps to buy travel insurance to USA from Canada online

Different types of US Visitors insurance

Fixed vs Comprehensive plans

Fixed benefit travel insurance.

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits. Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

Indian with Canadian PR visiting the US on H1B Visa

• Safe Travels USA Insurance from Trawick International
• Patriot travel insurance from IMG

Travel health insurance for Canadians visiting USA

Canadians travel across the southern border to the US on a regular basis. The reasons for travel can vary, be it for warmer weather for the snowbirds, or simply a short vacation, or travel for work, business and corporate meetings. Whatever the reason for travel, it is important to buy proper health insurance with adequate coverage in the United States. The " Canadian government authorities advise Canadians to buy travel insurance " while traveling overseas from Canada. Given the high cost of healthcare in the US , it is not worth the risk of being uninsured while visiting the United States. Know more

Travel tips for international travelers

Travel tips for international travelers – safety, comfort and wellness.

Global travel and tourism destinations

Global Travel Destinations

It's a Global village, Explore and enjoy it!

International tourism

Indulge according to your tastes; Golfing, Skiing, Wildlife..

Popular travel destinations in the USA

US States for tourists. Beaches, National Parks and more !

US Cities renowned for their Glitz, Glamor, Museums and more !

International travel insurance blogs and articles

Affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

We also offer international travel insurance plans covering pre-existing conditions which many older travelers look for...

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online...

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Coinsurance & Deductible - How visitor travel insurance works..

International travel insurance resources

Compare and buy international travel insurance USA

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

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Travel Insurance For Cross Border Shoppers and Travellers

If you travel from Canada to the U.S. by car, you probably don’t think about purchasing travel insurance to cover medical emergency costs while you are out of the country.

The fact is, you should.

Even if you only plan on crossing the border for a few hours, serious illnesses and injuries can happen unexpectedly at any time, requiring costly medical attention in the United States.

Many Canadians have discovered that a cross border medical emergency can cost tens, or even hundreds of thousands of dollars, creating financial hardship for their families, as most of these costs are not covered by Canadian Government Health Insurance plans.

Unfortunately, traditional travel insurance policies can come at a high cost and offer little flexibility, with many policies requiring you to purchase them on a per-trip basis.

Introducing BorderHop™ Travel Insurance -- Unlimited Trips from Canada to the U.S. for a Full Year at One Low Rate

Fortunately, 1Cover Travel Insurance is now offering a travel insurance product that is ideal for cross border shoppers , travellers and Canadians who make frequent trips to the United States .

1Cover’s BorderHop™ travel insurance covers Canadians for unlimited trips to the U.S. for a full year for a flat rate starting as low as $37 per year .

BorderHop Features

• Plans starting as low as $37 per year  
• Covers unlimited trips to the U.S. for a full year  
• Covers unlimited trips within Canada & Worldwide (excl Cuba)  
• Up to $2,000,000 emergency medical coverage for each trip  
• Coverage for  Emergency Medical, Emergency Dental, 24hr Emergency Assistance, Hospital Expenses, Vehicle Return and more  
• Additional services such as Concierge, Bag Tracking and Travel Assistance  
• Trip durations of 9, 16 or 30 days per trip  
• Up to five children under 21 covered at no additional cost 

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HelloSafe » Travel Insurance » USA

Should you buy travel insurance to the USA?

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Whether it's indulging in the vibrant music scene of New Orleans or hiking through the breathtaking landscapes of Yosemite National Park, or relaxing at the iconic Central Park of New York City, USA has so much to offer.

But before you cross the border, there's one crucial item you mustn't forget: travel insurance for the USA. Yes, like the rest of the world, Canadians visiting USA need travel insurance too.

In this comprehensive article, we'll explore the ins and outs of travel health insurance for Canadian residents visiting the USA, answering all your questions about its necessity, how it functions, the prices, and everything else you need to know.

Travel insurance USA: 5 Key takeaways

• Travel Insurance for the USA for Canadians is a must-have especially due to high healthcare costs.
• The premiums are based on age, length of the trip, extent of coverage, add-ons.
• Travel Insurance for Canadian seniors might cost higher than younger adults.
• The best travel insurance for the USA is based on specific individual needs.
• Use our comparator to compare travel insurance plans offered by Canada's top providers and get free quotes.

Is travel insurance mandatory when going to the USA?

It is not mandatory for Canadian travellers to buy travel health insurance when going to the USA However, it's recommended.

In the case of air travel, it's crucial to secure insurance coverage that accounts for possible trip interruptions, lost luggage, and the need for document replacement. On the other hand, if you intend to drive like many Canadians, make sure you have sufficient coverage for both the driver and the vehicle in the event of an accident.

Why buy travel health insurance to the USA?

Travel health insurance is a must-have when you're traveling because your Canadian health insurance does not typically cover medical expenses incurred outside of Canada. Your provincial or territorial health plan may provide limited or no coverage for medical care abroad, and it does not offer upfront payment for your bills.

This can be problematic since foreign hospitals often have expensive medical care costs and may require immediate cash payment. Moreover, in certain countries, hospitals and clinics may refuse treatment if you lack adequate insurance coverage or funds.

It's important to remember that the Government of Canada does not assume responsibility for your medical bills while traveling . By purchasing travel health insurance, you ensure that you are adequately protected and financially prepared for any unexpected medical emergencies that may arise during your trip.

Can a Canadian get travel insurance in the US?

Yes, Canadians can buy and get travel insurance in the US. Many insurance providers in the US offer travel insurance policies that can be purchased by Canadian residents. These policies typically provide coverage for medical expenses, trip cancellation/interruption, baggage loss, and other travel-related risks.

How much USA travel insurance is needed?

The required amount of travel health insurance USA from Canada depends on your individual circumstances. It's recommended to have sufficient coverage for emergency medical expenses, as healthcare costs can be high in the USA.

Consider the duration of your trip, any pre-existing medical conditions, and the value of your belongings. Additionally, having coverage for trip cancellation/interruption is important to protect your investment in case of unforeseen events.

Assess your needs and select a policy with coverage limits that align with your requirements for the best insurance.

Do you need medical insurance to travel to the USA?

Medical insurance for travel to the USA typically focuses on providing coverage specifically for medical expenses incurred during your trip to the USA.

It is designed to cover emergency medical treatment, hospitalisation, doctor visits, prescription medications, and emergency medical evacuation. The primary emphasis is on healthcare-related costs and services.

Medical insurance for travel to the USA is crucial due to high healthcare costs. Look for comprehensive coverage including emergency medical expenses, hospitalisation, and emergency evacuation.

Ensure coverage limits are adequate for potential expenses. Consider pre-existing conditions and any required screenings. Familiarise yourself with the claim process and 24/7 assistance provided.

Also the cost of travel insurance to the USA with pre existing conditions will vary based on the coverage of the said condition and its severity.

How much medical insurance do you need for USA?

The amount of travel medical insurance you need for the USA depends on factors such as your age, health condition, and the length of your trip. It is recommended to have coverage that includes at least $100,000 to $500,000 for emergency medical expenses.

Consider your personal circumstances and consult with insurance providers to determine the appropriate coverage amount for your specific need as the requirements may be different from the travel insurance for USA residents.

What is covered by travel insurance to the USA?

Travel insurance coverage for trips to the USA can vary depending on the specific insurance policy and provider. However, here's what travel insurance to the USA typically covers and what it may not cover:

What travel insurance to the USA covers:

• Medical expenses, including emergency medical treatment and hospitalisation
• Trip cancellation or interruption due to unforeseen circumstances
• Emergency medical evacuation
• Lost or stolen baggage and personal belongings
• Travel delays and missed connections
• Accidental death and dismemberment benefits
• 24/7 emergency assistance services

What travel insurance to the USA does not cover:

• Pre-existing medical conditions unless additional coverage is purchased
• High-risk activities such as extreme sports or hazardous events
• Non-emergency medical treatment or routine check-ups
• Expenses resulting from illegal activities or intoxication
• Acts of war, terrorism, or civil unrest
• Certain natural disasters or epidemics (coverage varies)

Does travel insurance cover car rental?

Travel insurance to the USA typically does not provide coverage for rental cars or vehicles as its primary focus is on medical expenses, trip cancellation/interruption, and other travel-related risks. However, some travel insurance policies offer optional add-ons or separate coverage specifically for rental cars, typically covering collision damage due to a collision, theft, and vandalism. This coverage is commonly known as "collision damage waiver" or "loss damage waiver."

Liability coverage for damage to other vehicles or property is generally not included, so it's advisable to check with the rental car company or consider separate liability coverage if needed.

Keep in mind that rental car coverage offered by travel insurance policies may have certain limitations, exclusions, or deductibles.

Expert advice

You could also find this coverage provided by your credit card travel insurance . Higher-tier credit cards often have comprehensive travel insurance, while cash back and rewards cards may offer basic travel insurance.

If you'd like to take a look at the different travel insurance options, you can use our comparator for quick results on pricing, coverage, and also get free quotes.

Compare the best travel insurance plans on the market!

How much is travel insurance to the USA from Canada?

The price of travel insurance for visitors to the USA depends on:

• Your desired coverage type and limits
• Your destination(s)
• Deductibles and excess
• Pre-existing medical conditions
• Additional add-ons
• Length of your trip

Therefore it is important to get an individual quote customised for your unique needs. It is recommended to speak with the travel insurance customer care to get the best plan options. Also, the cost might change based on countries and regions. For example, travel insurance from India to the USA might be different from the premium for visitors from Canada.

However, here is an example of the travel insurance to the USA cost with AIG Travel Insurance . The figures are for a 30-year-old traveler who is a resident of Ontario, on a two-week vacation in the USA.

Good to know

Please note that this table provides a summarised overview, and it's important to review the complete policy documents for accurate and detailed information regarding coverage, terms, and conditions. Also keep in mind the rates are specifically for Canada and not for travel insurance from the UK to the United States.

Why is travel insurance to the USA so expensive?

Travel insurance to the America tends to be more expensive due to factors such as high healthcare costs, higher risks of trip cancellations, the demand for comprehensive coverage, and fluctuating exchange rates.

These factors contribute to higher premiums as insurance providers need to account for potential medical expenses, legal costs, and trip interruption risks. While it may be more costly, travel insurance for the USA offers vital protection and financial security in unforeseen circumstances.

You could use our comparator tool to compare travel insurance USA options, prices, coverage and free quotes:

8 tips to get the cheapest USA travel insurance

To get cheap travel insurance for the USA, you can consider the following tips

• Compare Quotes: Obtain quotes from multiple insurance providers and compare them to find the most affordable option. You could use our free comparison tool at the end of this page.
• Opt for Basic Coverage: Choose a travel insurance plan with basic coverage that meets your essential needs. Avoid unnecessary add-ons or upgraded features that may increase the premium.
• Adjust Coverage Limits: Evaluate the coverage limits offered by different plans. Opt for lower coverage limits if they adequately meet your requirements, as higher limits typically come with higher premiums.
• Increase Deductibles: Select a policy with higher deductibles. Increasing the deductible can lower the premium but be prepared for higher out-of-pocket expenses in case of a claim.
• Exclude Optional Coverage: Review the optional coverage options provided by the insurer and exclude those that are not essential for your trip. This can help reduce the premium cost.
• Shorten Trip Duration: If possible, shorten the duration of your trip. Travel insurance premiums are often calculated based on the length of your trip, so a shorter duration may result in a lower premium.
• Shop Around for Discounts: Look for any discounts or promotional offers provided by insurance companies. Some insurers offer discounts for purchasing online, bundling policies, or for certain memberships.
• Consider Local Providers: Explore travel insurance options from local or regional insurers, as they may offer competitive rates compared to international insurance companies.

Can Canadian seniors buy travel insurance to the USA?

Yes, there is travel insurance available specifically for Canadian seniors visiting the USA. Many insurance providers offer policies tailored to the needs of Canadian seniors traveling to the USA, considering factors such as age, medical conditions, and specific requirements.

These policies typically provide coverage for emergency medical expenses, trip cancellation/interruption, emergency evacuation, and other benefits that cater to the unique needs of senior travellers.

While USA travel insurance for seniors may be relatively more expensive compared to younger travellers, the cost can vary depending on factors such as age, trip duration, coverage limits, and pre-existing medical conditions.

Insurance providers consider the higher risk associated with age-related health conditions, which can contribute to higher premiums.

Which is the best travel insurance for the USA?

The best travel insurance for visitors to the USA depends on individual preferences, specific travel needs, and budget. Different insurance providers offer a range of plans with varying coverage options.

To find the best travel health insurance for a USA trip, consider the following:

• Coverage : Look for comprehensive coverage that includes emergency medical expenses, trip cancellation/interruption, emergency evacuation, and baggage loss/delay.
• Medical Coverage : Ensure the policy provides sufficient coverage for emergency medical expenses and pre-existing medical conditions.
• Trip Cancellation/Interruption: Check the coverage for trip cancellation or interruption due to unforeseen events.
• Deductibles and Excess: Consider the associated deductibles and excess amounts.
• Add-Ons and Optional Coverage: Check for additional coverage options like rental car protection or adventure sports coverage.
• Customer Reviews and Ratings: Research customer reviews to assess the insurance provider's reputation for customer service and claim handling.
• Price: Compare premiums to ensure they align with your budget while offering the desired coverage.

The best travel insurance for visitors to the USA will vary based on the aforementioned factors. However, here are some of the popular travel insurances for Canadians and others visiting the USA:

• Blue Cross travel insurance USA
• Allianz travel insurance USA
• World Nomads Travel Insurance USA
• Caa travel insurance USA
• Manulife Travel Insurance
• Tugo Travel Insurance

How to cancel my travel insurance for the USA?

To cancel your insurance, it is important to familiarise yourself with the cancellation terms outlined in your policy. Contact your insurance company or travel agent to initiate the cancellation process, providing the necessary details and reason for cancellation.

Inquire about any applicable fees or penalties, as some policies may have specific cancellation periods or fees for late cancellations. Submit a written cancellation request, keeping a copy for your records.

Request written confirmation of the cancellation, which may be required for potential refunds or dispute resolution. Additionally, inquire about the refund process and the expected timeline for reimbursement.

How to claim my travel insurance for USA?

When filing a claim, there are key steps to follow. Begin by collecting all the necessary documentation, including flight itineraries, hotel reservations, medical bills, medication costs, and any other relevant receipts or records.

Next, reach out to your insurance provider or travel agent to initiate the claim process. Fill out the claim form accurately and ensure that you provide all the required supporting documents. Be prepared to provide any additional information if requested by the insurance provider.

Once your claim form is submitted, patiently await the claim decision and settlement according to the terms of your policy. If your claim is unfairly denied, you have the option to appeal the decision or escalate the matter to a consumer protection agency for further assistance.

Now that you know how important having a travel health insurance is, take a look at the different policies and compare plans offered by Canada's best travel insurances using our comparator below.

Save up to 25% on your travel insurance with our partner soNomad

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Nishadh Mohammed, an experienced news editor and writer, has been a member of the HelloSafe team since May 2023. With a robust nine-year background in journalism and content creation, he has transitioned from impactful roles at major Indian newspapers to steering the course of online content as the managing editor of The Daily Net. Possessing a proficiency in crafting content for diverse audiences, Nishadh also brings a deep understanding of data analytics tools such as SQL, Tableau, and Knime. His commitment goes beyond crafting engaging financial content for HelloSafe; he navigates the ever-changing SEO landscape, leveraging data-driven insights to make informed decisions. When he's not wrestling with SEO algorithms, Nishadh indulges in reading and passionately explores narratives on human rights, intersectionality, race, caste, and LGBTQIA+ issues.

Travel Health Insurance for Canadians

U.s. & international travel | snowbirds | new immigrants | students.

We provide travel health insurance coverage to our fellow Canadians traveling from 1 to 365 days outside of Canada. We offer insurance products for Canadians traveling to over +190 countries worldwide including the United States, Mexico, Europe, Caribbean, Central America, South America, Asia, and much more.

We are the #1 resource Canadians rely on for all their travel insurance needs!

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Are you traveling to the U.S., Europe, Mexico, or anywhere else globally? Our insurance plans provide Canadians full healthcare coverage while traveling globally.

COVID-19 Coverage is Included! NO Paperwork or Medical Exam Required Coverage Up to $8 Million

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Snowbird travel health insurance (best for ages 65+).

Do you travel south for the winter spending multiple months out of Canada? We provide Canadian snowbirds long-term travel healthcare coverage.

COVID-19 Coverage is Included! Coverage for Pre-Existing Conditions Coverage Up to $10 Million

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• Include Spouse
• Include Dependent Children

We work with top-rated Canadian and U.S. insurance providers

Travel Insurance Questions and Answers

Finding the best travel health insurance for you and your family can be complicated and confusing, that’s why we have put together this list of frequently asked questions. If we do not answer your question here, our expert team is available below to answer any questions you might have.

Do your plans really cover coronavirus illnesses?

Yes! Unlike other products on the market, there are no exclusions related to travel advisories, CDC Warnings, U.S. Department of State Warnings, or any specific exclusions related to COVID-19. Therefore, COVID-19 is covered just like any other new medical condition that occurs after the effective date of the policy. Please note that if you already have symptoms, or if you are already infected and still in the incubation period, or even asymptomatic initially, if you contracted COVID-19 before the effective date of the policy, it will NOT be covered. If you still have doubts, please contact us and we will be able to provide you further information.

Is COVID-19 testing covered?

I purchased travel insurance but it has expired. can i purchase additional insurance from you.

Yes. You can do that even if you are already in the U.S. Additionally, the next time you are planning to visit the U.S., consider purchasing it again from us as most of the travel medical insurance plans we have available are extendable.

What does travel insurance cover?

What is the difference between trip cancellation and trip interruption coverage.

Trip Cancellation is designed to provide you coverage in the event that you have to cancel your trip for a valid reason prior to your departure. The plan will reimburse you your pre-paid non-refundable portion of your trip cost. Trip Interruption is designed to provide you coverage in the event that you need to return home from your trip early due to covered reasons such as a house fire or the death of a close relative. The plan will help you pay for the additional expenses to make arrangements to return home early.

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The complete guide to travel insurance for Canadians

While travel insurance is not mandatory for Canadians travelling abroad, it is highly recommended. The cost of medical emergencies and other unforeseen events can be very expensive when you are outside of your home country. Travel insurance gives you peace of mind while you are away and financial protection from medical expenses in another country.

What is travel insurance?

• Why should you buy travel insurance for trips outside of Canada?
• What should travel medical insurance cover?
• Does travel insurance cover pre-existing medical conditions?

Which is the best travel insurance company?

Who needs travel insurance, frequently asked questions.

Travel insurance offers several different types of protection to Canadians leaving the country. For example, if you have a medical emergency while travelling, travel insurance will cover the cost of your treatment. Additionally, if you need to cancel your trip due to an emergency, some travel insurance policies can reimburse you for any non-refundable expenses.

While travel insurance is not required by law in Canada, it is highly recommended, as the cost of medical emergencies and other unforeseen events can be very expensive when you are outside of your home country. Therefore, making insurance part of your travel plans can give you peace of mind while you are away.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Travel insurance is a type of insurance that helps to cover the cost of medical care if you become sick or injured while travelling. It can also protect you from financial loss if you have to cancel or interrupt your trip.

What are the different types of travel insurance?

Canadians leaving the country or their home province have the option of getting two main types of travel insurance: travel medical insurance and trip cancellation/interruption insurance.

Travel medical insurance

Travel medical insurance can help to cover the cost of medical care if you become sick or injured while travelling. It can also help to cover the cost of travel if you need to be transported to a hospital in another country. This emergency medical coverage is the most common type of travel insurance. It can sometimes be referred to as travel accident insurance or travel health insurance.

Trip interruption insurance (aka trip cancellation insurance)

Trip cancellation and trip interruption insurance can help to reimburse you for the cost of your trip if you have to cancel due to an unforeseen circumstance. This can include illness or bad weather, or other situations that may delay or cancel your trip (lost baggage, transportation delays, etc).

Some insurance providers also sell comprehensive travel insurance policies that include both of these types of coverage.

Learn more about the difference between travel medical insurance vs. trip interruption insurance . 

Why should Canadians make travel insurance part of their travel plans?

If you plan to travel outside Canada ‒ even for a single day ‒ you should buy travel health insurance before your trip or vacation.

There are a number of risks you face when travelling, and travel insurance can help protect you from financial loss in the event of an emergency. If you need medical assistance while abroad, travel insurance can help cover the cost of your medical bills and care. And if your trip is cancelled or interrupted, travel insurance can reimburse you for non-refundable expenses.

Travel insurance is an important consideration for any trip, and it’s especially important if you’re travelling to a country with high medical costs or risks.

Where can you get travel insurance in Canada?

Canadians can obtain travel insurance for a trip away from Canada through several different avenues:

• Travel agent The travel agent through which you booked your trip may have access to travel insurance plans as well. Most travel agents deal with a single provider so they don’t typically offer the most choice of plans.
• Employee or group insurance provider Your group benefits provider may offer the ability to purchase additional travel insurance through your group plan. Again, one downside to this approach is you are unable to compare the prices and plans of different carriers.
• Credit card coverage If you booked your trip on your credit card, you may also be entitled to some insurance coverage. Check the details of the policy before your trip so that you know of any limitations to your coverage. You typically cannot buy supplementary travel insurance through this plan, as it is an added benefit of your credit card agreement. Learn more about credit card travel insurance and its limited coverage.
• Insurance broker An insurance broker (like  PolicyAdvisor ) can present you with several different choices of policies, providers, and premiums so that you can choose the coverage that would best suit your trip and budget. They can also offer insight into the claims process and guide you to which company would work best for the type of vacation or travel away from Canada you plan on making.

What should travel medical insurance cover for trips outside Canada?

No matter where in the world you are travelling, there are 3 basic medical expenses your travel health insurance policy should always cover: medical evacuation from your travel destination if required, coverage for any pre-existing conditions you have, and repatriation (covering the cost of transporting your remains should you pass away during your trip).

Every travel medical insurance policy is unique, as one has many options when applying for coverage.

Most travel medical insurance policies typically cover:

• Emergency medical treatment for illness or injury
• Prescription medications
• Emergency dental treatment services
• Essential medical equipment (crutches, wheelchairs, slings, braces, etc.)
• X-rays and other diagnostic laboratory procedures (bloodwork, ultrasounds, etc.)
• Required ground, air or sea ambulance services
• Follow-up post-medical appointments with health care providers
• Medical evacuation
• Ambulance travel to the nearest hospital
• Meal expenses and accommodations while waiting for medical care

Does travel insurance cover pre-existing conditions?

Most travel medical insurance policies do not cover a pre-existing medical condition by default. One should always check the wording on their policy to see if a pre-existing medical condition may or may not be covered during trips outside of Canada.

In some cases, if you have shown no symptoms or diagnosis of a pre-existing medical condition for 180 days prior to the effective date of the policy and have not had treatment for the condition during that time, it will not be considered a pre-existing condition during your coverage period.

Some conditions may get excluded from your travel medical insurance coverage during the underwriting process. A pre-existing condition exclusion could include:

• heart disease
• high blood pressure

They can also include relatively mild conditions for which you have taken prescription medication such as:

• sleep apnea
• anxiety and/or depression
• bipolar disorder 
• other  mental health conditions

Insurance providers will look at the specific state of your illness or condition to evaluate the risk associated with the pre-existing condition. They then make their decision accordingly for your travel insurance plan.

Some providers offer policies that will cover pre-existing conditions, though the premium will be higher to compensate for the added risk.

One should request an explanation of the limitations and restrictions on any pre-existing medical condition, tests, and treatments they may have had.

How do I ensure I keep my universal public health insurance if I am taking a trip outside of Canada?

Depending on the length of your trip and the province or territory you call home, a long absence from Canada can result in your universal public health coverage lapsing.

For instance, for Ontario residents, if one plans to be outside Canada for more than 6 months, your Ontario Health Insurance Plan (OHIP) can lapse and you won’t regain your coverage until after you’ve spent several consecutive months in Ontario.

To ensure one retains OHIP status, they need to:

• Have a valid health card
• Make Ontario your primary residence
• Be physically in the province of Ontario for 153 days a year in the two years preceding your time away from Canada

The rules for medical plans in Canada’s other provinces and territories differ slightly but are generally the same. Check with your region’s territorial health authority to see what rules you need to follow to retain your provincial or territorial health plan status before you leave for your trip.

At PolicyAdvisor, we partner with the country’s best travel insurance providers to present you with the most choice and best option for your insurance needs. Whether you are vacationing abroad or sponsoring a super visa application for a loved one, we’re here to help guide you to the best provider.

Some of the best travel insurance companies in Canada include:

• Up to $10,000,000 CAD in coverage up to age 85+
• Several different plans for trips outside Canada or lower-cost options for trips within the country
• Robust options for multi-trip plan policies
• Can include Emergency Medical Insurance, Baggage Loss, Damage & Delay, Flight Accidents and Travel Accidents, and added discounts for a travel companion
• A Canadian travel insurance brand managed by iA Financial Group
• Does not require medical underwriting until age 60
• Offers Emergency Medical Insurance, Trip Cancellation & Trip Interruption Insurance, Accidental Death & Dismemberment Insurance, Non-Medical Packages, All-Inclusive Holiday Packages, and more options within those categories

Group Medical Services (GMS)

• Offers up to $5,000,000 CAD in coverage and up to $500,000 for COVID-related emergency medical expenses
• 24/7 worldwide support available in several different languages.
• Direct payments: GMS can directly pay service providers instead of you paying out of pocket
• Virtual medical services available for minor emergencies that don’t require in-person care

Allianz Global Assistance

• Allianz Global Assistance is one of the world’s largest travel insurers
• Largest network of global medical providers
• Can help you navigate healthcare options in several different geographic locations
• Offers up to $10,000,000 CAD in coverage

MSH International

• Canuck Voyage travel plan offers up to $7,000,000 CAD in coverage up to the age of 79
• Different plan options for visiting the US, international destinations, and within Canada
• Discounts for travel companion
• Partial refunds possible if you decide to voluntarily cut your trip short

Destination Canada

• Annual, Multi-Trip, and Daily Rated Plans available
• Up to $5,000,000 CAD in coverage up to the age of 74
• Accommodates return of vehicle for trips taken over Canada’s land borders.

Besides vacationers leaving Canada for trips abroad, some specific groups also require travel insurance.

Students attending school outside the country may need the protection of a travel medical insurance policy. Many colleges and universities (and student unions) provide access to extended medical care through their group benefit plans. However, this coverage is sometimes only in effect during the school year or fails to offer the same protection as an independently owned policy you can secure before leaving Canada. Learn more about travel insurance for students .

Amateur athletes leaving Canada for competitions or training should also secure an independent medical plan for the duration of their trip. Learn more about travel insurance for athletes .

Snowbirds are typically retired Canadians who spent the cold winter months abroad, or at the very least outside their home province. They should also ensure they have financial protection secured for the duration of their trip given the higher risk for medical emergencies at their age. Learn more about travel insurance for snowbirds .

Do I need travel insurance coverage for trips inside Canada?

As government health insurance plans vary among the provinces and may not provide emergency return home benefits, you should consider travel accident insurance for trips both inside and outside of Canada.

Provincial and territorial health insurance plans may have limits on the reimbursement of the medical emergency expenses incurred while in another province. For example, ambulance services, emergency dental treatments, and prescription drugs might not always be covered by insurance plans outside your province of residence, so you may need to pay out of pocket for these services.

To protect yourself from any unexpected medical emergency, illnesses, or injuries, you should always buy additional health insurance coverage for emergency medical even when you’re travelling within Canada.

What is the average cost of travel insurance in Canada?

The cost of travel insurance is determined by many variable factors including the type of insurance you purchase, your age, the duration of the trip, and the amount of coverage you are getting. A rule of thumb is travel insurance should typically cost 5% of your trip. Of course, these costs can elevate for extended stays outside of Canada, such as a long vacation, or if you are studying abroad or working for an extended period in another country.

Another way to save money on travel insurance is to purchase policies together if you have a travel companion. Some providers offer a 5% discount on policies purchased in tandem and even offer a family policy if you are travelling with your family as a group.

Can Canadians get travel insurance coverage for trips to the USA?

Yes, trips to the United States of America are one of the most common reasons Canadians purchase travel insurance. If you’re planning a trip to the US, travel insurance is a good idea. While the country has excellent medical facilities, travel medical insurance can help cover the cost of an unexpected medical emergency.

Some of the reasons to consider travel insurance to the USA are:

• The elevated costs of emergency medical coverage and procedures
• The high costs of prescription drugs
• There are no reciprocal agreements for healthcare between the USA and Canada, so your provincial government health insurance plan will not be accepted
• The cost of accommodations in major US vacation destinations. You or your travelling companions may need to spend time at your destination recovering before you are ready to travel home

Can I get travel insurance after I have left Canada?

Yes, it is definitely possible to find travel insurance options once you’ve left Canada. However, there may be exclusions on your plan.

Policies purchased after the start of a trip generally won’t take effect until 48 hours after you buy them. The waiting period is designed to prevent someone from purchasing and utilizing a policy after they have been injured or hospitalized with an illness.

Does travel insurance include COVID-19 coverage?

Most travel insurance policies cover aspects of medical emergencies and setbacks that may arise if you contract COVID-19 during your trip. This can include the cost of quarantining after contracting the virus or the cost of cancelling a trip because one has contracted COVID.

With that in mind, each policy is different and you should examine your policy documents before you make any assumptions about the virus’ effect on the trip that you are covered for.

Read more about travel insurance and COVID-19 .

Should I buy an individual policy for each trip I have planned or an annual travel policy?

If you travel outside of Canada often (more than twice per year) it may be worthwhile to purchase an annual travel policy. Many of the providers we partner with offer annual options for their travel medical insurance policies that grant policies for unlimited trips during the coverage time period.

This can help you in two ways:

• You save money on premiums
• You eliminate the need to arrange separate insurance policies for each trip you take or each leg of a multi-trip journey

Speak with our advisors to see if an annual travel insurance policy makes sense for your plans.

Read more about annual multi-trip travel insurance . 

Can a travel advisory affect my travel insurance?

Typically, travelling from Canada to a destination that has a travel advisory will not be covered by travel insurance if the advisory is in place before you depart. If an advisory is placed by Health Canada or other governmental departments after you’ve arrived at your destination, your coverage will be intact.

• There are two types of travel coverage: travel medical and trip interruption/cancellation
• Travel medical insurance is considered more crucial as medical bills and expenses in a foreigh country can grow substantially during an emergency while you are abroad
• There are several comprehensive options for travel coverage from some of the biggest insurance providers in Canada

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The information above is intended for informational purposes only and is based on PolicyAdvisor’s own views, which are subject to change without notice. This content is not intended and should not be construed to constitute financial or legal advice. PolicyAdvisor accepts no responsibility for the outcome of people choosing to act on the information contained on this website. PolicyAdvisor makes every effort to include updated, accurate information. The above content may not include all terms, conditions, limitations, exclusions, termination, and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. All rights reserved.

If something in this article needs to be corrected, updated, or removed, let us know. Email  [email protected] .

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The Best Travel Insurance for Canadians: Short and Long-Term Options

Wanting peace of mind from unexpected costs, we always buy travel insurance when travelling outside of Canada.

I recently spent a lot of time researching travel insurance for Canadians, primarily for an upcoming four month long multi-destination trip.

It was a much longer process than I initially expected! This post provides a shortcut to the results of my research.

While the main focus is travel insurance options for Canadians , I will also share some travel insurance basics.

I also felt it was important to list some specific travel insurance considerations for Canadian travellers that I don’t often see mentioned.

Insurance is never going to be an exciting topic but I hope I can help reduce the amount of time you spend thinking about it!

Published February 2024 . There are affiliate links in this post. If you make a purchase via one of these links, we may receive a percentage of the sale.

Travel insurance basics

Before delving into the specifics of travel insurance for Canadians, I’d like to quickly touch on some insurance basics.

If you’re new to buying travel insurance, the terminology can be a little confusing. And since there is a lot of small print involved with every policy, it’s essential to understand what you are actually purchasing.

When searching for insurance as a Canadian, you’ll soon notice two types of coverage:

• Emergency medical
• Trip cancellation, interruption, delays and lost baggage

As you may guess, the first type provides coverage for emergency medical expenses while travelling outside of Canada. I always buy a policy with at least $5 million of coverage.

Emergency medical policies usually also include coverage for medical evacuations to Canada and repatriation in case of death (the return of your remains).

The second type of insurance provides coverage in the event you need to cancel the trip, return early, or stay longer than planned.

This kind of insurance typically also includes coverage for baggage that is lost, damaged or stolen during your trip.

The cost of trip cancellation travel insurance is usually tied to the overall cost of your trip. It can be purchased separately or bundled together with an emergency medical insurance policy.

Single, annual/multiple-trip or long-term?

• Single-trip travel insurance covers one trip to a destination (or destinations) and ends when you return home
• Multi-trip travel insurance covers multiple short trips (usually 30 days or less) within 12 months. It is also referred to as an annual travel insurance policy. Multi-trip policies can be a money saver for people travelling twice or more a year
• Long-term travel insurance has a loose definition, but it generally refers to a policy that is between 30 days and 1 year in length (or longer)

Pre-existing conditions

Travel insurance providers usually exclude pre-existing conditions from coverage. 

So if you have medical conditions or are currently going through a diagnosis process, be aware that you may not be able to claim for any potential medical costs related to your pre-existing condition .

Some insurers do cover pre-existing conditions, as long as there have been no recent changes (i.e. the condition being treated and is considered stable).

Policies that cover pre-existing conditions are usually more expensive than those that do not. Always contact the insurance provider if you’re unsure.

Depending on your age, you may need to complete a medical questionnaire when applying for travel insurance.

Deductibles

A deductible is the amount of money you will have to pay before the travel insurance provider will cover the balance of the claim.

The lower the deductible on a policy, the higher the initial purchase price. The ductible is sometimes referred to as an ‘excess.’

I prefer to buy insurance with the lowest deductible possible. We are lucky and have only ever had to claim for small amounts on travel insurance (less than $1,000). I like knowing that these ‘small amounts’ are covered as they can add up, especially on longer trips.

Important considerations: travel insurance for Canadians

There are some unique considerations to keep in mind when searching for travel insurance as a Canadian.

As a relatively new Canadian citizen, I would have no idea about these issues if I had not read the small print of travel insurance policies!

Provincial healthcare eligibility

Most Canadian travel insurance policies require you to have valid provincial healthcare coverage for the length of your intended trip.

If you do not have provincial healthcare coverage and purchase a travel insurance policy that requires it, it is unlikely that you will be able to claim for emergency medical costs.

Each province and territory has different eligibility criteria for provincial healthcare coverage.

For example, British Columbia requires residents ‘ to be physically present in BC for at least six months in a calendar year. ‘ There is the possibility to extend this time, but only on a limited basis (up to 24 months once in a five-year period).

If you are Canadian but primarily resident in another country (and hence not covered by the provincial healthcare system), I would suggest researching insurance providers in the country you currently live in.

Live in the UK or EU? Consider purchasing a policy with True Traveller . To buy a policy with True Traveller, you must have a residential address and the ‘unrestricted and unconditional right of entry’ to the country you currently live in.

Starting a trip from your home province

Another important condition featured in the ‘small print’ of most Canadian travel insurance policies is the requirement to start your trip from your home province.

For most Canadian travellers this clause doesn’t present any issue. The vast majority of people start their travel trip from home.

But if you plan to visit friends or family in another province or territory before leaving on your trip, be sure to find an appropriate insurance policy for you.

This is also important if you plan to fly internationally from a different province than the one you live in, especially if you need to travel a long distance to reach the airport (or stay overnight).

If you have already left home and didn’t purchase travel insurance, look for providers that sell ‘alredy travelling’ policies.

Quebec residents

Live in Quebec? Unfortunately, there are a significant number of insurance companies that are not able to provide coverage to Quebec residents.

I believe this is related to how medical services reimbursement works in Quebec.

Notably, Quebec is not part of the reciprocal agreement allowing doctors to bill their provinces for care provided to travelling Canadians.

Options for travel insurance for Canadians

Read on for my research into the best travel insurance for Canadians.

Before purchasing a policy, please research each company to ensure that the coverage is right for you.

Read the full policy wording to make sure that you are covered for your circumstances and intended travel plans.

Credit card insurance

Leaving Canada for a short trip? Check whether your credit card has included travel insurance coverage.

Many credit cards include coverage for emergency medical services and trip cancellation/interruption/delays/baggage.

There are, however, some things to keep in mind:

• Policies usually only cover very short single trips, often 15 days or less
• In most cases, a significant (or total) portion of the trip has to be purchased with a credit card to be covered
• The coverage limits, particularly for baggage, can be low
• There may be a cap on the total number of trips allowed per year
• Pre-existing conditions are unlikely to be covered (very important!)

To expand more on the last point, bank-provided travel insurance is usually very general. It assumes that the people covered on the policy have no pre-existing medical conditions.

Needless to say, be sure to check the small print of your credit card travel insurance policy before using it to travel internationally.

Some credit card insurers allow the trip length to be extended for an additional fee.

BestQuote are travel insurance specialists, partnered with some of the largest and most reputable insurance providers in Canada.

With BestQuote, it is possible to review multiple travel insurance policies at once. This saves a ton of time and effort when searching for travel insurance as a Canadian.

We used BestQuote to research travel insurance for our four month long trip.

The emergency medical policy we eventually purchased through BestQuote is underwritten by Manulife, one of Canada’s most popular travel insurers. This was a huge selling point for me since we’ve used Manulife before (and we had a successful claim).

The policy sold through BestQuote had lower medical coverage ($5 million vs. $10 million) than the one listed on Manulife’s website, but the price was significantly lower.

Since we were going to SE Asia (where medical costs are lower), I was fine with the reduced amount.

Long-term travel insurance for Canadians

• SafetyWing – single trips up to 1 year, 4-week subscription policy also available. Can only buy after leaving Canada. Note the low amount of medical coverage.
• HeyMondo – single trips up to 1 year, policies can be started from abroad, multi-trip policies are also available for up to 60 days. They claim to offer no out-of-pocket medical expenses
• World Nomads – single trips up to 1 year (purchase multiple for a longer trip), policies can be started from abroad. More than 150+ activities are covered as standard

Other insurers offering policies for Canadians

I have ordered these travel insurance providers from low to high cost, based on our own quotes.

• TravelGuard – single trips up to 1 year, multi-trip policies also available
• TuGo – single trips up to 1 year, multi-trip policies also available
• Blue Cross – single trips up to six months, multi-trip policies also available
• Manulife – single trips up to 1 year, multi-trip policies also available
• Allianz – single trips up to 1 year, multi-trip policies also available
• BCAA – single trips up to 1 year, multi-trip policies also available (BC residents only)

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Canadians are optimistic about travel in 2024: Blue Cross Travel Study

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Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

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Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

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Travelling Canadians

Whether you’re travelling within Canada, going to the USA for business or heading off overseas, Manulife travel insurance for Costco members helps protect you against the cost of unexpected emergencies that may occur. Choose from emergency medical to trip cancellation and trip interruption plans, or all-inclusive plans that best suit your needs and get the right benefits at the right rates. Plus, Exclusive members can save up to 5% on most insurance plan premiums!

All-Inclusive Plan

This plan offers protection beyond emergency medical costs, including coverage for trip cancellation and interruption, baggage loss and more.

Emergency Medical Plan

Get protection from unexpected emergency medical expenses while travelling.

Travel Canada Emergency Medical Plan

This plan protects you from unexpected emergency medical expenses while travelling within Canada, outside your home province or territory.

Trip Cancellation and Trip Interruption Plan

Add this plan to your existing travel medical coverage to protect you against an unforeseen emergency or event.

Multi-Trip All-Inclusive Plan

Protection beyond just medical costs for as many trips as you take throughout the year, including multi-trip emergency medical and multi-trip all-inclusive plans.

Multi-Trip Emergency Medical Plan

This plan offers protection the best value for emergency medical costs for as many trips as you take throughout the year.

Emergency Medical Top-Up Plan

When the duration of coverage you have isn’t long enough, this plan allows you to add extra time to your existing coverage.

Covid-19 Pandemic Travel Plan

Protection from unexpected emergency medical expenses, including Covid-19 expenses.

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If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application.

Frequently asked questions

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Global Affairs Canada states: "Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your government health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy."

You can opt to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and may not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Government health insurance plans may have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you should purchase additional medical coverage even while travelling within Canada.

Yes. Travel Insurance for Costco Members allows top up coverage of another insurer's plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the Travel Insurance plan.

It is your responsibility to ensure that your existing plan permits top-ups.

If you are already on your trip, you can extend coverage by calling Customer Service at 1-866-707-4922 provided there has been no event that has resulted or may result in a claim against the policy and there has been no change in your health status. In addition, you must request the extension before your coverage expires and pay the appropriate premium. Extension of your coverage is subject to approval.

If you have a Multi-Trip Plan, you must top-up your coverage before you leave home, by purchasing a Top-Up plan for the additional number of days beyond the duration provided by your Multi-Trip Plan to the maximum allowed by your Canadian government health insurance plan. To top-up your coverage after you leave home, you must call us at 1-866-707-4922 .

You may purchase Travel insurance for Students. This plan has been designed for students, including post-graduate researchers.

Yes, grandchildren fall under our definition of a "child" but the dependent grandchild must be named on your confirmation and be travelling with you, and you must pay the premium for Family Coverage. All travellers covered under a family policy must be under 60 years of age.

Take action

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922 (Monday – Friday 8am – 8pm ET)

Or email [email protected]

10-Day Free Look

If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look period, please refer to the Cancellations & Refunds section in the policy.

NOTE: All dollar figures are in Canadian dollars.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.

StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

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Trip interruption and travel health insurance

If you plan to travel outside Canada—even for a day in the United States—you should buy trip interruption and travel health insurance before you leave.

On this page

Where you can get trip interruption and travel health insurance, why you should buy travel health insurance, choose the best insurance based on your needs, if you need to make a claim, if you live or work outside canada, if you need help while outside canada.

You can buy trip interruption and travel health insurance directly with an insurance company or through:

• a travel agent
• an insurance broker
• an employer’s insurance provider
• a credit card company

If you encounter a medical emergency while abroad, you should know the following:

• Your medical bills may not be paid by your personal Canadian health insurance
• Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad including a medical evacuation, if needed. It will never pay your bills up front
• Hospitals and clinics in other countries can be very expensive and may require immediate cash payment
• In some countries, hospitals and clinics will not treat you if you don’t have enough insurance or money to pay your bills
• The Government of Canada will not pay your medical bills

What your travel health insurance should cover

No matter where you’re travelling, your travel health insurance policy should always cover 3 things:

1. Medical evacuation

Make sure your policy covers medical evacuation to Canada or to the nearest place with medical care. The policy should also cover the costs of a medical escort to travel with you to your destination.

2. Pre-existing medical conditions

Ask the insurance provider to explain the definition of and the limitations and restrictions on any pre-existing conditions and tests and treatments you may have had:

• Make sure you get a written agreement that your insurance covers your pre-existing medical condition, otherwise you could find your claim “null and void” under a pre-existing condition clause.
• no changes to your medical condition
• no new medical conditions, symptoms or medications during the stability period before your trip.
• a compassion clause saying that an inaccurate statement may not invalidate the entire policy
• a change-of-health clause.

3. Repatriation in case of death

Make sure that your plan includes everything to help your loved ones if you die outside Canada as the result of an accident or a sudden and unexpected illness.

Your insurance should cover:

• the preparation and return of your remains
• local cremation or burial outside Canada
• additional expenses if someone needs to travel to identify your body

Learn more about what to do if a Canadian dies outside Canada.

Why you should buy trip interruption insurance

Trip interruption insurance is different from medical travel insurance. Trip interruption insurance provides coverage for situations that lead you to have to cancel a part of your trip once you’ve departed. It will reimburse the unused portion of your trip if you must return early, due to an unforeseen incident.

It’s also different from trip cancellation coverage, which applies only when you cancel your trip before it starts.

Research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada.

When assessing a travel health insurance plan, you should ask a lot of questions:

• Plans with 100% coverage are more expensive but may save you money in the long run
• Does the plan offer continuous coverage for the length of your stay outside Canada and after your return?
• Does the plan exclude or limit coverage for certain regions or countries you may visit?
• Travel health insurance rarely covers routine health checkups, non-emergency care or cosmetic surgery.
• It may not cover mental health disorders.
• Does the plan cover drug or alcohol-related incidents? 
• Does the plan exclude coverage for activities such as mountaineering, skiing, scuba diving or extreme sports?
• Does it offer coverage that is renewable from abroad and for the maximum period of stay?
• Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
• Does it pay for hospitalization for illness or injury and related medical costs at your destination?
• Does it pay your bills or provide cash advances up front, so you don’t have to pay them?

If you’re driving, make sure you have driver and vehicle coverage in case you have an accident.

If you’re flying, make sure you get insurance for trip interruption, lost luggage and document replacement. You may also want to consider trip cancellation insurance.

Meet the terms of your policy

It’s your responsibility to know and understand the terms of your insurance policy. Read the fine print and ask for help if you need it.

The information you provide must be accurate and complete. If you have any questions, contact the insurance company. Ask them to send you a written explanation.

Carry your insurance information with you and leave a copy with a friend or relative at home.

Get a detailed report and invoice from your doctor or hospital before leaving the country where you received medical treatment. Trying to get the proper paperwork from thousands of kilometres away can be frustrating.

Always submit the original receipts for medical services or prescriptions you received abroad. Keep a copy of the documents for your files.

Effects of travel advisories on travel insurance policies

Many travel insurance policies will not cover you if you travel to regions where the Government of Canada has issued a travel advisory to “avoid all non-essential travel” or “avoid all travel.”

The Government of Canada is not responsible for travel insurance policies nor how Travel Advice and Advisories may affect travel insurance policies. The Government of Canada does not issue its Travel Advice and Advisories for the purpose of travel insurance coverage or refunds.

Canada’s Travel Advice and Advisories provide information and recommendations about safety and security conditions in destinations around the world to help you make informed decisions.

We issue travel advisories when the security or health situation in a country or region may pose a significant threat to the personal safety and security of Canadians travelling or living there.

As new information becomes available, we review the level of risk. A travel advisory for a destination may be issued, upgraded, downgraded or removed.

Before you book your trip and buy insurance, check the details of any insurance policy you’re considering and the travel advice and advisories for your destination.

Travel insurance is not intended to be used when you are living outside Canada for an extended period, or permanently.

If you live abroad or you’re planning to, consider your insurance needs. Local laws may require that you have medical insurance, and you may have to include proof of medical insurance with your visa application.

If you study outside Canada

If you study or plan to study outside Canada, contact your educational institution or program administrator for advice on the insurance coverage you need.

The Government of Canada is limited in the help it can provide you when you are outside Canada.

See the services available at our consular offices outside Canada.

Our travel advice and advisories provide recommendations about safety and security conditions outside Canada to help you make informed decisions. The decision to travel is yours and you’re responsible for your personal safety abroad.

Whether you are planning a vacation or living outside Canada, sign up for the free Registration of Canadians Abroad service so that we can notify you in case of an emergency outside Canada.

For help with emergencies outside Canada, contact the:

• nearest Canadian office abroad
• Emergency Watch and Response Centre in Ottawa

Related links

• Say yes to travel insurance
• Bon voyage, but…
• Well on your way
• A guide to travel health insurance (Canadian Life and Health Insurance Association)
• Guide to travel health insurance (International Association for Medical Assistance to Travellers)

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Travel Insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 5:04 a.m. UTC Jan. 25, 2024

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Lucky-photographer, Getty Images

• Travel insurance can cover injuries or illnesses while you’re traveling in Canada, as your domestic health insurance may not travel with you across the border.
• The best travel insurance for Canada will also cover costs associated with trip cancellation, delay and interruption.
• If you plan to travel with high-value items like a laptop, smartphone or camera, ensure the travel insurance you buy has enough per-item coverage for lost, damaged or stolen belongings.

Many U.S. travelers flock to our northern neighbor to take in Canada’s cultural experiences and stunning remote landscapes. While travel insurance isn’t a requirement to enter Canada, it may be worth purchasing for the benefits, like medical insurance, trip cancellation and baggage coverage.

“Even if Canada doesn’t feel too far from the U.S., being out of the country can be stressful, and any unexpected costs that get in your way, from lost baggage to getting sick or injured, can make any mishaps even more upsetting,” said Daniel Durazo, spokesperson for Allianz Global Assistance. “With the right travel insurance policy, you can ease your mind from unexpected travel scenarios or outrageous out-of-pocket bills.” 

Here’s what you should consider when buying travel insurance for Canada.

Understanding travel insurance for Canada 

Understanding Canada travel insurance can make choosing a policy easier. Compare plans to see which policies meet your travel needs. For example, some plans have exclusions for adventure activities, such as rock climbing without equipment, but may offer an adventure sports bundle as an upgrade. 

There are also various limitations on medical coverages, trip delay, trip interruption and trip cancellation benefits that could make one policy better than another for your Canada trip.

It’s best to buy travel insurance soon after making your first trip deposit. This way you’re covered for a longer period, at no additional cost. 

“Travel insurance policies typically only cover unknown and unforeseen situations, from unexpected injuries or illness to flight cancellations and weather-related events,” said Durazo. “If you wait until you have a problem, you likely won’t be covered.”

Buying travel insurance coverage within 14 days of your first trip deposit ensures you get the most benefits. Depending on the plan, buying early could also make you eligible for a pre-existing condition waiver. This means the insurance provider won’t look back at your medical records if you file a claim for a medical condition you already had before buying the policy.

But if you have a trip coming up soon, don’t worry — you can buy a travel insurance policy up to 24 hours before your departure date.

Key coverage considerations for travel insurance in Canada 

The best travel insurance plans bundle together several types of insurance, from trip cancellation insurance to travel medical insurance. No matter what your plans are once you enter Canada, consider these key coverages when researching travel insurance to Canada. 

Trip cancellation insurance  

Sometimes, things happen that require you to cancel your trip. Maybe a family member was going to watch your kids while you’re gone, and they’re now too sick to take care of them. Or severe weather impacts the airline, grounding your flight for the days you planned to be in Canada.

Trip cancellation insurance will reimburse up to 100% of prepaid, nonrefundable expenses, like a flightseeing tour in the Yukon or a Johnston Canyon tour in Banff, if you have to cancel your trip for a covered reason. Other reasons you might have to cancel include family emergency, job loss, severe injury or sickness, terrorism or military deployment. 

However, you can’t cancel for any reason — like a falling out with your travel companion — and get reimbursed, unless you upgrade your travel insurance plan to “cancel for any reason” (CFAR) coverage. Although CFAR can add around 50% to your travel insurance costs, the ability to cancel for any reason and receive up to 75% of your nonrefundable expenses can make the extra expense worth it. Just make sure you cancel at least 48 hours before your departure date and time to get this benefit.

Delays in your Canada trip  

If you’re headed to Canada during winter, severe weather could shut down the airport or cause flight delays. If you’re flying from Baltimore to Whistler with a connection in Chicago, but a winter storm causes delays in Baltimore, you might miss your connecting flight to Vancouver.

Most travel insurance plans will reimburse for meals and hotel accommodation expenses you incur from a travel delay. But to be eligible, the delay usually has to be at least six hours, with some policies requiring 12 consecutive hours before trip delay coverage kicks in. Seven Corners, for instance, will reimburse up to $250 per day per person to a maximum of $2,000 for a delay of at least six hours.

Trip insurance with delay benefits will also reimburse for prepaid expenses you miss out on because of a covered delay. So, if you miss out on your first two days at the ski lodge and can’t transfer or exchange prepaid snowboarding lessons, you can file a claim.

Tackling trip interruption  

The last thing you’d expect while taking in the Halifax, Nova Scotia sites is to have a family emergency back home. If you get a call that your mom fell down the stairs and is in the hospital with a broken leg, you’ll probably be ready to catch the next flight home to be with her.

Luckily, travel insurance includes trip interruption benefits, which can help you get there without a large out-of-pocket expense. Trip interruption coverage will pay for your one-way ticket back home and cover any prepaid accommodations and tours you’ll miss from having to shorten your trip.

Dealing with lost bags and belongings  

Travel insurance will also cover baggage loss and personal items that get damaged, stolen or lost while you’re traveling. So if you check your hiking poles and boots and they get damaged or lost during the flight, your travel insurance will reimburse you for the depreciated cost of those items.

You’ll also have coverage if someone steals your backpack while you’re sightseeing in Toronto. If you’re traveling with high-value items, make sure you have enough coverage. Many travel insurance plans have a $500 to $1,000 cap on certain items like cameras, watches and computers. Some policies also exclude coverage for smartphones.

Making plans for medical bills in Canada

Don’t be surprised if your health insurance provides little to no coverage in Canada or requires you to pay a large out-of-pocket deductible, said Carol Mueller, spokesperson for Berkshire Hathaway. Canada doesn’t accept Medicare from the U.S., and your health insurance won’t cover you unless you have global coverage. The Government of Canada will also not cover hospital and medical expenses for visitors, including American tourists.

Whether you’re planning to hit the slopes, go hiking or just take advantage of what the swanky resort you splurged on has to offer, you never know when you might fall ill or get hurt. This is where travel medical insurance can help. 

Allianz’s OneTrip Prime single-trip plan will pay up to $50,000 for your medical expenses, such as X-rays, prescriptions, doctor’s visits or a hospital stay. Other plans, such as as some in our rating of the best travel insurance for seniors cover up to $500,000.

Even if you’re up-to-date on your COVID-19 vaccines, you might still want to consider a travel insurance plan that covers COVID-related medical treatment, like those in our rating of the best COVID-19 travel insurance .

Evacuation for serious medical issues   

Travel health insurance with medical evacuation coverage is critical if you plan to travel to remote areas of Canada. The nearest trauma facility equipped to treat your medical emergency might be hundreds of miles away, requiring a medevac to get you there.

If you don’t have medical plan coverage, you could be on the hook for thousands of dollars in medical costs and private medical transportation. Travel insurance provides emergency medical evacuation coverage . 

The Allianz OneTrip Prime and Berkshire Hathaway’s ExactCare travel plans will cover up to $500,000 for emergency medical transportation and repatriation of remains. Travel Guard and Seven Corners plans will each provide up to $1 million. 

What is the cost of Canada travel insurance? 

There are several factors insurers use to determine the cost of a travel insurance policy , including age, trip cost, destination and length of the trip. In general, you can expect travel insurance to cost about 5% to 6% of your total trip cost.  

When calculating the trip expenses to insure, only include those that are nonrefundable. If your prepaid, nonrefundable flights, accommodations and tours total $5,000, you can expect to pay around $275 for travel insurance. You may pay more if you choose a plan with higher coverage limits and upgrades.

Companies use different criteria and weigh factors differently than other providers, so comparing travel insurance policy quotes can help you find the most comprehensive plan for the best price. You can use travel insurance comparison sites like Squaremouth to compare coverage limits and add-on coverage such as rental car, “cancel for any reason” and adventure sports. 

Key benefits of having travel insurance for your Canada trip  

Even though you’re not flying across an ocean, that doesn’t mean you shouldn’t buy a travel insurance plan. Some of the key benefits of having travel insurance for your Canada trip include:

• Not stressing or worrying about not having government health insurance plan coverage since you’re not a Canadian resident.
• Not losing out on your nonrefundable, prepaid trip costs if something unforeseen occurs and you have to cancel your trip or head home early.
• Knowing that if your trip is delayed or canceled, or you lose a bag or get something stolen, you have coverage to recoup at least some of your out-of-pocket costs.

The right travel plan can provide peace of mind, and many policies will pay for themselves if you need to make a claim for a covered reason.

Tips for choosing the best travel insurance provider for your Canada trip  

Comparing travel insurance companies can help you make the right choice when choosing a travel insurance product. Check customer reviews and complaints on websites like Trustpilot. Travel insurance comparison sites like Squaremouth and InsureMyTrip can also help you identify the best travel insurance company and most generous policy.

Don’t be afraid to call an insurance company to ask them “what if?” questions to ensure you’re getting the right policy. “You should feel confident in the coverage you purchase and trust you will receive the level of claims service you deserve if you need to file a claim,” said Mueller.

You should always read the fine print to know your policy’s limitations and exclusions. This includes restrictions on trip delay, cancellation and interruption benefits, and understanding what you’ll need to file a claim for baggage damage, loss, or medical care. 

Tip: Most travel insurance companies offer a 10 to 15 free look period, which allows you to review the policy and cancel it for a full refund if you decide it’s not the best choice.

Other insurance considerations for Canada 

If you’re planning to participate in adventure activities, like dogsledding in the Yukon, kayaking the Johnstone Strait to see orcas or surfing and hiking in the Pacific Rim National Park Reserve, you want to make sure you’re covered. 

World Nomads Explorer travel insurance plan covers more than 200 adventure activities. You can also get extreme sports coverage, license fees and equipment delay coverage with Berkshire Hathaway’s AdrenalineCare travel plan. Travel Guard offers an Adventure Sports Bundle optional upgrade, which waives benefit exclusions for adventure and extreme activities.

We mentioned CFAR coverage above, but some policies also offer optional “interruption for any reason” (IFAR) coverage. It works like CFAR, allowing you to end your trip early for any reason, not just those listed in your policy. Seven Corners offers a CFAR and IFAR upgrade for up to 75% of nonrefundable trip costs as long as you purchase it within 20 days of your first trip payment.

Road trips are also a popular way to see Canada’s beauty. If you plan to rent a car, it may be worth getting rental vehicle coverage if your credit card doesn’t offer it. World Nomads will cover up to $35,000 in collision damage waiver, while Travel Guard’s rental vehicle damage coverage will pay up to $50,000 in damage to your rental vehicle. Note that this coverage does not include liability insurance , if you are at fault for an accident that results in injuries or damage to others’ property. Check with your car insurance company to make sure your U.S. auto insurance coverage extends to driving in Canada. 

Travel insurance for Canada FAQs

Travel insurance is not a requirement to travel to Canada. However, travel insurance will provide travel medical insurance and emergency medical evacuation coverage, as well as benefits for lost or delayed baggage, trip delay, cancellation or interruption and sometimes missed connections. 

The average cost of travel insurance is around 5% to 6% of your travel costs to Canada. Your age, trip cost and other factors determine how much you’ll pay for travel insurance.

To find the best travel insurance for Canada, fill out a brief online form on an insurer’s website with your name, age, address and details about your trip, like the total cost and number of travelers. A travel insurance comparison site like Squaremouth allows you to fill out one application and get multiple quotes at the same time. 

The best travel insurance in Canada depends on where you’re going, what activities you’re doing and the types of coverage you need. After comparing dozens of providers, we found WorldTrips , Travel Insured and TravelSafe are among the best travel insurance companies .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Hi,i have a Turkish passport which is has USA visa.I had this visa when i was in Canada,situation with canadian permanent resident.Do i have to valid Canadian PR card to entering US or just valid USA visa is okay?

3 replies to this topic

If you have a usa visa, I assume b1/b2, and it is still valid then you should still be able to use it to travel to the USA. Regardless of visa or esta status for that matter the final decision regarding entry is always up to the cbp immigration officer at the border or pre-clearance station if applicable.

Yes i have still usa visa (b2).Im going to us from Turkey by air.So there’s no need a canadian pr,the us visa is enough to entering right

You have a valid B2 US visa, that is fine for tourism.

However, and as always, the final decision is taken by the US CBP officer.

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Interest in yearly travel insurance plan in the U.S. 2023

More than 60 of consumers in the United States expressed an interest in a yearly travel insurance plan in 2023. Approximately 17 percent were very interested in buying a travel insurance plan to cover all trips for one year.

Share of consumers interested in a yearly travel insurance plan in the United States in 2023

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January 2024

United States

September 12 to 19, 2023

1,000 respondents

18 years and older

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Statistics on " Halloween in the U.S. "

• Leading consumer spending events by expected average spend in the U.S. 2023
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Other statistics that may interest you Halloween in the U.S.

Consumer expenditure

• Premium Statistic Leading consumer spending events by expected average spend in the U.S. 2023
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Consumer behavior

• Basic Statistic Participation in Halloween activities in the United States 2015-2023
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• Basic Statistic Stores in which young U.S. consumers planned to make their Halloween purchases 2022

Halloween product shopping

• Basic Statistic Timing of Halloween costume purchases among consumers in the United States 2023
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• Premium Statistic Leading sources of inspiration for Halloween costumes among Gen Z in the U.S. 2022
• Premium Statistic Main social networks used for DIY Halloween costume ideas in the U.S. 2022
• Premium Statistic Timing of Halloween candy purchases among consumers in the United States 2023
• Premium Statistic Consumer spending on Halloween candy in the United States 2017-2023

Pumpkin production & consumption

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• Premium Statistic Jack-o-lantern expenditure in the U.S. 2017-2023
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