Travel Medical Insurance for Toronto

Yes. US domestic health insurance does not cover you in Toronto, Canada. A hospital stay here costs $3,000–$8,000 per day for uninsured visitors. Without coverage, you're personally responsible for 100% of any medical costs.

Toronto General Hospital and St. Michael's Hospital are the major trauma centers. US insurance may require out-of-network billing and upfront payment at Canadian hospitals. When you buy through Tower Hill, your policy includes a 24/7 assistance line that can direct you to approved facilities and coordinate direct billing with the hospital — so you don't pay out of pocket.

The most common medical issues for visitors to Toronto are cold weather injuries in winter, road accidents, cardiac events, foodborne illness, and sports injuries. Your travel medical policy covers emergency treatment for all standard illnesses and injuries encountered while traveling.

Travel medical insurance for Toronto typically costs $2–$8/day for travelers under 60, depending on age, coverage level, and deductible chosen. A 2-week policy for a healthy 40-year-old typically costs around $35–$70. That's roughly the cost of one meal at a tourist-area restaurant — for coverage up to $1,000,000.

Yes — every travel medical insurance policy through Tower Hill includes emergency medical evacuation coverage. If your condition cannot be adequately treated in Toronto and you need transport back to the US, your policy covers the air ambulance and associated costs up to the policy limit.

Buy within 14 days of your first trip payment to unlock time-sensitive benefits: pre-existing condition waiver, Cancel For Any Reason (CFAR) upgrades, and financial default protection. There's no price benefit to waiting — the policy simply activates on your departure date.