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Travel health insurance for Canadians visiting the US

Popular travel insurance for Canadians

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

Annual Multi-trip travel insurance for Canadians

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

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

Testimonials - From Our Customers

Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance.
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Ron W

I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff.
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Konstantin V.B

Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration.
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Best Travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance policy.Pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours. As of a few years ago, companies now exclude chronic illnesses from this "Pre-existing condition" coverage which has deep impacts to people purchasing travel health insurance, particularly people with these conditions and older travelers.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category 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 most insurance providers only provide coverage for pre-existing conditions which excludes chronic illnesses, like cancer, diabetes, and heart conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim.

Some insurance providers offer travel insurance for pre-existing conditions with fixed or limited coverage which may be suitable for people without chronic illnesses, like food allergies and certain asthma conditions. 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 full 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 full pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

Travel insurance tips for travelers with pre-existing conditions

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

  1. Choose a travel medical insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of waiting periods for coverage of pre-existing conditions.
  4. Consider purchasing a US foreign national health insurance policy with higher coverage limits.
  5. Take a copy of your medical records and a list of medications with you when you travel.
  6. Be sure to take your prescription and medication with you during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US foreign health insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all necessary procedures to submit a claim for reimbursement of medical expenses.

What is visitors insurance for pre-existing conditions?

There are several visitors insurance plans available for international travel. However, many travel insurance and visitors insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for 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 the 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. The coverage 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 plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits 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

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

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

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for 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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance 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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus 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 visitors insurance 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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus 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 :

  1. 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.
  2. 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).
  3. 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..
  4. 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.
  5. 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.
  6. 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.

Resourceful travel insurance information for new customers

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How does travel insurance work?

Claims process for expenses due to injury or sickness
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How to buy travel insurance?

Step by step guide to buying the best travel insurance online
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Travel insurance glossary

Commonly used international travel insurance terms
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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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Covid travel insurance for Canadians in the USA

Greetings to all our neighbors up North! The COVID-19 pandemic has really changed the shape of travel for the time being. I have recently gotten many calls from Canadians who have told me their insurance coverage from Canada is now voided since the Canadian government has now asked all Canadians to stay in Canada and avoid “non-essential” travel. Many of our Canadian friends were already out of the country and enjoying warmer climes in the US and/ or have altered their travel plans.

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

Covid19 travel insurance for Canadians to USA

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

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

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

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

Trawick International Insurance

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

Travel Medical Plus Insurance offers best Seven Corners covid health insurance for visitors to USA. The Sevencorners insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

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

International Medical Group (IMG) offers US travel insurance for Canadians travelling to USA with covid19 coverage. IMG's Patriot America Plus and Patriot Platinum insurance insurance plans cover COVID-19 like any other illness.

INF Insurance offers Canadian visitors health insurance for coronavirus in the US, Canada and Mexico. INF US visitors insurance for Canadians covers covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite Network insurance for Covid19 and Premier Insurance for Covid19 are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance for Coronavirus.

As ever, we wish you safe and happy travels. Do call us with questions or concerns you may have.

US Travel health insurance for Canadians in the USA

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

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

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

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

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

Unfortunately, insurance coverage for pre-existing conditions is very limited on most US visitor policies for foreign visitors. Some policies will cover "acute onset" of pre-existing conditions which should mean life-threatening emergencies due to pre-existing conditions, but they have all recently excluded chronic and congenital disorders from that coverage. As a non-medical person, I'm not sure what illnesses/disorders that leaves that WOULD be covered. The Safe Travels Elite (a fixed plan) and Safe Travels Comprehensive offers some coverage $25,000 or $15,000 for a cardiac issue. The 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. Hop! Mindoro Travel Assistance, Hop! WorldHopper, Hop! Travel Assistance For USA and Hop! TripAssist Plus offers medical assistance for pre-existing conditions.

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.

canadian immigrant in usa

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, especially given the current Covid pandemic situation. 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, Travel insurance 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.

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Canadian Traveler to USA, Travel insurance to USA from Canada

The United States is reopening its borders for international travelers post the Covid19 pandemic. The Biden administration has announced that starting November 2021 international travelers will be allowed by air to the US however they will have to be fully vaccinated for Covid19 as well as show proof of a negative for Covid19 test taken 72 hours prior to boarding the US flight. According to the United States Center for Disease Control (CDC), the US will accept vaccines that are approved for emergency use by the World Health Organisation.

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;
Travel Insurance for Canadians
  • 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.

insurance for Canadians visiting USA

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 travel insurance for corporate travelers

yearly travel insurance between USA and Canada

Since the US and Canadian economies are very closely inter connected, there are several US corporate employees who travel regularly between the US and Canada. This is especially true for residents of states close to the Canadian border in New York, Michigan, Minnesota, Wisconsin, Montana and Washington as well as in many of the US cities with multinational corporations. 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, 45 or 60 days) depending on the multi-trip insurance plan. Please note that the Annual multi-trip travel insurance plans expect you to maintain continuous medical coverage in your home country.

Covid annual travel insurance for Coronavirus coverage, Coronavirus yearly travel insurance for Covid19

Seven Corners Covid visitors insurance

Seven Corners has designed the Wander Frequent Traveler Plus insurance product for frequent international travelers which provides annual travel insurance with coronavirus coverage. Frequent travelers can customise their coverage by selecting the trip length, choosing from 30, 45, and 60 day trip lengths.

Wander Frequent Traveler Plus covers up to $100,000 (Travelers in ages between 65 to 74 years old are limited to $50,000) in medical expenses for COVID-19 (the disease), SARS-Cov-2 and any mutation or variation of SARS-CoV-2. Wander Frequent Traveler Plus also has an additional $1 million for emergency medical evacuation and repatriation. If medically necessary, the coverage will transport you to a facility with appropriate care. Please note that the Wander Frequent Traveler Plus requires you to maintain continuous medical coverage in your home country.

Safe Travels Annual Basic, Safe Travels Annual Deluxe, Safe Travels Annual Executive insurance offers Covid19 coverage for US residents and US citizens taking frequent trips worldwide. It provides annual comprehensive travel medical coverage for COVID19 as long as the plan is effective before the individual gets sick. Trawick International requires pre certification in case of requirement of coverage for COVID19. That is, the insured needs to call the insurance company and let them know the need for COVID19 coverage. If there is a chance of cancelling the plan, then it is important to check the terms and conditions of cancellation for that particular plan.

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

User

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.

world travel

Length of travel insurance coverage

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

world travel

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.

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Fixed benefit of Comprehensive travel insurance

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

Globe travel insurance

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.

portfolio

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.

Snowbirds travel insurance for canadian travelers
Canada travel insurance

Travel medical insurance for visiting Canada... Know more

Canadian Covid 19 travel insurance

We also offer Canadian Covid 19 travel insurance... Know more

Travel insurance for Canadians traveling to USA

Compare quotes online for best insurance online... Know more

Travel insurance for US citizens traveling to Canada

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

Canadian seniors travel insurance

Travel insurance for Canadian seniors... Know more

Travel restrictions for Canada

Covid19 travel restrictions for travel to Canada Know more

INF travel insurance for Canadian citizens to United States

INF travel insuranceINF offers visitors from Canada excellent travel medical insurance in the United States which includes adequate coverage for dental, loss of checked luggage, medical emergencies and accidents incurred while traveling. This works ideally for Canadian Snowbirds during their travel to the USA. Following are the best US travel insurance for Canadian Snowbirds.
List of Canadian health insurance for travelling to USA
Premier Plan Elite Insurance
Compare INF Canadian travel insurance to USA
Compare INF visitor insurance Compare pre-existing coverage

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.

Travel insurance for Canadians

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!

Senior Citizen Insurance
Senior Citizen Insurance
Senior citizen travelers traveling overseas.
Pre-existing Coverage Insurance
Pre-existing Coverage Insurance
Coverage for Pre-existing diseases.
Trip Insurance
Trip Insurance
Trip protection insurance to cover travel investment expenses
group travel insurance
Traveling in groups?
Group of 5 or more travelers visiting overseas on the same schedule.

Popular tourist destinations in the United States

Mount Rushmore

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

Niagara Falls

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

Statue of Liberty

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

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 Flag

USA - General information

USA Flag
Vacation spots

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

Location

North America

Language

  English

Population

Around 327 million

Currency

US Dollar

Best time to visit

Throughout the year.

Vacation spots

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

travel insurance for visiting USA

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.


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.

Steps to buy travel insurance to USA from Canada online

trip cancellation online
Step 1: Finding the available travel insurance to USA from Canada plans
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
Step 2:Compare the different Snowbird travel insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Step 3: Buy the Snowbird travel insurance that you like best
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Step 4: Review the travel insurance plan documents received by email
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Different types of US Visitors insurance

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.

Balance Scale

Trip insurance vs Travel health coverage vs Global medical insurance

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

Click here to read more

Indian with Canadian PR visiting the US on H1B Visa

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questionHello,
I am on an H1B Visa and I just arrived in the US one day ago. I want travel insurance that I can have for one month after which I will be qualifying for domestic insurance. I have Canadian PR. Should I enter Canada as my home country? I have an Indian passport.
Is there domestic short-term insurance available?
Thanks for your help!
Yudhvir

questionDear Yudhvir,
Thanks for your inquiry with American Visitor Insurance!
Here are the plans that are best suited for you: This is the travel health insurance plan that can be used for the short term until you get your domestic insurance.
Hope this helps!

Thanks,
flag-color

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.
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Global travel and tourism destinations

Travel insurance for Popular US Cities

Global Travel Destinations

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

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Travel insurance for Popular international Places

International tourism

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

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Popular travel destinations in the USA

Travel insurance for Popular US States

US states

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

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Travel insurance for Popular US Cities

US Cities

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

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International travel insurance blogs and articles

Affordable travel insurance Online

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

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Best international travel insurance

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

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Compare US travel insurance online

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

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Advantages of buying travel insurance online

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

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Buy cheap travel insurance

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

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How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works..

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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.

US visitors insurance providers


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