Travel Insurance For Canadian Snowbirds, Visitors To USA (2024)

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Best Travel Insurance for Snowbirds Visiting the USA

For Canadians planning to visit the US, purchasing adequate visitor medical insurance coverage for their safety is prudent. Our Insurance policies are created explicitly for Canadians seeking comprehensive medical coverage away from home. We offer trustworthy and affordable Snowbird Travel Insurance for Canadians visiting the USA.

The USA is a center of attraction when it comes to exploring or even studying. People from all over the world, including Canadians, take a trip to the USA without fail. But, everyone forgets to get health insurance for Canadian visitors to the USA.

Why do we recommend getting one? When traveling, there are chances that your existing health insurance plan will not cover costs in another country. Hence, opt for expatriate medical insurance.

A good Snowbird travel insurance will not just pay for your unexpected medical expenses in the US; it may also coverseveralassociated costs, depending on your plan type.

Travel Insurance For Canadian Snowbirds, Visitors To USA (1)

Snowbird Travel Insurance - Comprehensive Plans

Travel Insurance For Canadian Snowbirds, Visitors To USA (2)

Safe Travel USA Comprehensive

$69 / mo For age 45 year with $50,000 plan and $250 deductible

  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
  • Coverage for 1 episode of Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure

Purchase Now

Travel Insurance For Canadian Snowbirds, Visitors To USA (3)

Patriot America Plus

$75 / mo For age 45 year with $50,000 plan and $250 deductible

  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure

Purchase Now

Travel Insurance For Canadian Snowbirds, Visitors To USA (4)

Atlas America

$80 / mo For age 45 year with $50,000 plan and $250 deductible

  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure

Purchase Now

Travel Insurance For Canadian Snowbirds, Visitors To USA (5)

Patriot America

$73 / mo For age 45 year with $50,000 plan and $250 deductible

  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure

Purchase Now

Travel Insurance For Canadian Snowbirds, Visitors To USA (6)

Patriot Platinum

$167 / mo For age 45 year with $2M plan and $250 deductible

  • Plan maximum limits ranging from $1 million to $8 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure

Purchase Now

Snowbird Travel Insurance - Limited Benefit Plans

Travel Insurance For Canadian Snowbirds, Visitors To USA (7)

Visitors Care Insurance

$31 / mo For age 45 year with $50,000 plan and $100 deductible

  • Plan maximum limits ranging from $25,000 to $100,000
  • Deductible options of $0, $50, $100 (varies by age)
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure

Purchase Now

Travel Insurance For Canadian Snowbirds, Visitors To USA (8)

Safe Travels Elite

$38 / mo For age 45 year with $50,000 plan and $0 deductible

  • Plan maximum limits ranging from $25,000 to $170,000
  • Deductible options $0; For ages 79 to 89 yrs: $100, $200
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for 1 Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure

Purchase Now

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Benefits of Snowbird Travel Insurance

Why must you opt for a snowbird travel insurance while visiting the USA as a Canadian? Here are a few of the benefits that will tell you about its importance.

  • Extended medical coverage: One of the best features of health insurance is its medical coverage. It covers almost every medical cost including doctor’s fees and pharmacy bills.
  • Full Family Security: No need to worry about getting your family secured separately. This health insurance for expats allows you to fill the form as a family and not just as an individual.
  • COVID 19 Coverage: In this COVID struck era, it is necessary to get the COVID 19 coverage in health insurance plans.
  • Multiple Plans to Choose From: Visitor Guard®’s expat health insurance for Canadian visitors and multiple plans. Choose as per your requirement.
  • Lost Luggage: While traveling it is normal to misplace the luggage. But, guess what! Some of the health insurance plans will cover its cost too.

Why choose us for health insurance for canadian snowbirds?

Here at Visitor Guard®, we believe in providing the best health insurance plans that will secure you and your family while traveling or exploring the other country. Still, do read the reasons why you should choose us concerning health insurance for Canadian snowbirds to the USA:

  • Affordable Plans: We have a different range of affordable expatriate health insurance plans for Canadian visitors. You can choose the one as per your requirement.
  • 24X7 Customer Support: Do not worry about customer support. We provide around-the-clock service to get the solution for your queries.
  • Worldwide Presence: Our presence is not limited to just one country, Visitor Guard® is widely available in other countries as well.
  • Easy Claim Reimbursem*nt: Get an easy and quick reimbursem*nt for all your medical costs once you have claimed the insurance policy.
  • Seamless Process: Get expatriate health insurance without any hefty procedures or medical examinations.

Travel insurance to USA from Canada

Opting for health insurance plans is the best decision a Canadian visiting for staying abroad can make. However, there are certain things or you can say plan features that you need to look for while screening the insurance plans.

The first question in your mind would be, why so? Let us explain it to you. When you are in another country, there are chances you might get ill. It can be because of different climatic conditions or any other factor.

At the moment, you will need a medical check-up, which will cost a lot as per the medical costs in the USA. So to protect your savings, health insurance for ex-pats is necessary. It will even cover the hospital and pharmacy bills.

While getting the health insurance plan check its coverages and limits. Many ex-pat health insurance plans cover non-chronic acute onset of pre-existing conditions but up to certain limits.

Make sure you look at the claim settlement, whether it is cashless and has the option of direct billing. The Visitor Guard®’s health insurance plans for Canadians visiting the USA have all the above-mentioned points.

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What does snowbird travel insurance cover?

Snowbird Travel Insurance for Canadians typically covers emergency costs in the US that could arise from sudden illnesses or accidents. These may include the costs of hospital stay, surgery, ambulance service, and possibly even transportation back to Canada.

Canadians usually choose our health Insurance policies providing coverage anywhere between $1 million and $5 million. Experienced visitors to the US know it is better to be safe than sorry. So, call us now and we will help you choose from the best coverage options for your total peace of mind while you travel to the US from Canada.

Snowbird Travel Insurance – Highlights

  • Coverage for individuals and groups
  • Coverage for students
  • No specific paperwork required
  • No inoculation required
  • No medical exam necessary for enrollment
  • Coverage for hospitalization, surgery, physician fee, medications
  • Insurance claims and customer service directly with our US office
  • Cashless claim settlements and direct billing
Travel Insurance For Canadian Snowbirds, Visitors To USA (12)
Travel Insurance For Canadian Snowbirds, Visitors To USA (13)

Best Snowbird Travel Insurance for Canadians Visiting USA

As mentioned above, we have a wide range of Snowbird Travel Insurance plans for Canadians visiting the USA. You will feel overwhelmed seeing them. So here’s a little help from our side. We also offer health insurance for J1 visa holders Canadian students studying in the USA.

Before anything, you must decide whether you want to go for the comprehensive plan or the fixed benefit one. What’s the difference?

Comprehensive plans are a bit on the expensive side but have wide coverage of medical costs. Whereas, the fixed benefit plan has the minimum coverage but is affordable.

One thing that we can assure you is no matter which of the plans you decide to opt for, certain coverages are the same but will vary in the amount.

The fixed benefit plan’s deductible option will vary as per the age starting from $0, $50, and $100. However, the comprehensive plan’s deductible option is between $0 to $5000.

Health insurance in both the plans includes the costs of hospital stay, surgery, ambulance service, and possibly even transportation back to Canada. The emergency medical or hospital coverage can range between $50,000 to $1,000,000.

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Buy Snowbird Travel Insurance Online!

Benefits from the time you leave your country for hospitalization, ambulance, evacuation prescription drugs, and acute onset of a pre-existing condition. No medical examinations required; Confirmations including ID Cards received immediately. Easy online application.

Purchase now

Snowbird Travel Insurance - FAQs

Yes, definitely. There are many travel and short-term plans available in health insurance for Canadian visitors to USA. If you have citizenship in both the USA and Canada, you can buy short-term health insurance for a temporary stay in the USA.

There are various plans available which can cover you for as little as 5 days to up 364 days or more. These include Limited benefit plans and Comprehensive plans. Limited benefit plans provide coverage with pre-defined limits while comprehensive plan rarely have these sub limits. Safe Travels USA Comprehensive plan provides some coverage for one episode of an acute onset of a chronic preexisting condition.

Visitor health insurance costs will depend on various factors. The cost will depend on whether you choose a Limited Benefit or a Comprehensive plan. The other factors that drive the premium are your age, your trip length, the policy maximum, and the deductible you choose. You can get a Quote by answering a few questions

There are travel or short term plans for visitors to the US. If you have dual citizenship -Canadian and US, then you can buy insurance for visiting US from Canada by entering Canada as the home country and US as the country of citizenship in order to buy US travel insurance for your temporary stay in the US.

There are many health insurance plans available for students. Whether you are a Canadian student studying in the USA or from some other country, Visitor Guard® has many Student insurance plans to choose from!

The cost of Canadian health insurance will vary considering the features and coverage included. Fixed benefit plans are on the economical side, whereas comprehensive plans are costly but with wide coverage. You can reach out to customer care to get a quote on Health Insurance for Canadian Visitors to USA.

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Travel Insurance For Canadian Snowbirds, Visitors To USA (2024)

FAQs

Which is the best travel insurance for the USA from Canada? ›

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.

Does my Canadian health insurance cover me in the US? ›

As a Canadian, should I buy visitors insurance for travel to the United states? Any visitor traveling from Canada should purchase visitors health insurance. Most domestic policies will only cover you in your home country and have little to no coverage once you are traveling outside of your home country.

What happens if a Canadian gets sick in the USA? ›

US health care services are for profit. There is no universal health care system in the US. Foreigners who get sick while visiting US must pay for their health care services provided by the US doctors and the hospitals. US Medicare will not cover health care services to the foreigners.

How do Canadian snowbirds handle health insurance? ›

There are two main types of insurance coverages you can get as a snowbird: Single trip insurance: Covers one annual fixed trip (up to 183 consecutive days or 212 consecutive days for Ontario and Newfoundland residents) per year. This is a cheaper option but allows less flexibility.

Is Allianz travel insurance good? ›

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

What is the minimum travel insurance for USA? ›

Travel insurance is not mandatory if you are travelling to the USA. It is completely optional.

Do Canadians have to pay American hospital bills? ›

If you get medical or hospital care when outside of Canada, you will be responsible for paying the difference between the amount charged and the amount the AHCIP reimburses you. If you claim coverage under the AHCIP, you still have to pay the health service provider.

How much travel medical insurance is enough? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

What is the best health insurance for visitors to the USA? ›

Compare Travel Medical Insurance Plans for U.S. Tourists
ProviderPlan NameDeductibles
Seven Corners Travel Insurance Visit SiteAtlas AmericaUp to $5,000
IMG Get QuotePatriot LiteUp to $2,500
IMG Get QuotePatriot America PlusUp to $2,500
Trawick International Get QuoteSafe Travels USA ComprehensiveUp to $5,000
1 more row
5 days ago

What happens if a tourist gets sick in the USA without insurance? ›

Seek Emergency Care When Necessary

In life-threatening medical situations, don't hesitate to call 9-1-1 or visit the nearest emergency room. Medical providers are required by law to stabilize patients in emergency situations regardless of their insurance status.

What happens if you are ill in the USA without insurance? ›

If you have a health situation that qualifies as an emergency, hospitals and emergency rooms must provide care to you regardless of whether or not you have health insurance. That doesn't mean you will receive the services for free. You will be responsible for the bill, which can become quite expensive.

What happens if an American needs to go to the hospital in Canada? ›

If during your visit to Canada you get sick or injured, the Canadian government won't pay for any hospitalization or emergency medical services for visitors. Also, if you don't have proper medical insurance coverage, you will be liable to pay for any medical service out of your own pocket.

How many days can Canadian snowbirds stay in the US? ›

Canadian visitors can generally stay in the United States for a maximum of six months (or the equivalent of 182 days) during a single 12-month period. This period of time spent there could be a single trip or a combination of multiple trips.

Can you get travel insurance after leaving Canada? ›

The answer is “yes,” you can still get some coverage, but there are exclusions. Many providers will offer you emergency medical coverage if you are already outside of Canada but wish to purchase travel insurance. But be advised it could be subject to a delay of typically 24-48 hours before the policy is active.

How do snowbirds handle prescriptions? ›

Though you can likely fill your prescriptions just fine wherever you're going, it pays to be safe and know that you have what you need, when you need it. Many pharmacies allow you to fill your medications for three months at a time; that's a good idea if you're a snowbird. This works well for oral medications.

Do I need travel insurance for the USA from Canada? ›

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.

Can a Canadian buy American travel insurance? ›

Safe Travels USA Comprehensive offers excellent medical coverage for Non-US Citizens and Non-US Residents while visiting the USA. This includes coverage for acute onset of pre-existing conditions, well doctor visit, emergency medical evacuation, repatriation and security evacuation benefits.

How to get US insurance as a Canadian? ›

Canadians planning to move to the U.S. who don't have access to an employer plan can purchase private individual coverage through the health insurance marketplace.

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