Visitor Insurance for Calgary Residents Visiting the USA (2026)
Canadian provincial health coverage barely works across the US border — and most provinces have eliminated out-of-country emergency benefits entirely.
Calgary residents frequently travel to the western USA — Las Vegas, Phoenix, and Los Angeles are top destinations. Calgarians also cross into Montana and Idaho via land border, making visitor insurance important for any US-bound trip.
Your Provincial Health Plan Likely Covers Nothing in the USA
Canada's provincial health plans — OHIP in Ontario, BC Medical Services Plan, AHCIP in Alberta, RAMQ in Québec, and others — cover medically necessary care within each province only. They provide minimal out-of-province coverage (up to a low daily cap) and virtually no US coverage. Canada and the US have no bilateral healthcare agreement for visiting tourists or short-term visitors. A US ER visit averages $3,100; one hospital night costs $11,700. Canadian snowbirds and visitors in Florida, Arizona, and Texas face enormous out-of-pocket exposure — a single cardiac event can exceed $80,000 with no provincial plan reimbursement.
Most Canadian provinces now pay $0 toward out-of-country medical emergencies. You're on your own in the USA.
What US Medical Bills Actually Look Like
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Flight
$95,000–$250,000
Air ambulance, medical crew
Best Visitor Insurance Plans for Calgary Residents
All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.
IMG Patriot America Plus
Largest US carrier network · UHC PPO
- ✓ Up to $1,000,000 coverage
- ✓ $0–$2,500 deductible options
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–99 yrs
- ✓ Multilingual 24/7 support
Best for: First-time visitors, families, tourists
WorldTrips Atlas America
Maximum coverage · Top evacuation benefit
- ✓ Up to $2,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $50K
- ✓ Emergency evacuation: $1,000,000
- ✓ Available ages 14 days–99 yrs
- ✓ Flexible coverage periods
Best for: Seniors 65+, long stays, max protection
Trawick Safe Travels USA
Budget-friendly comprehensive · Telehealth included
- ✓ Up to $1,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $20K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–89 yrs
- ✓ Free telehealth included
Best for: Budget-conscious, short stays, under 70
No obligation · Certificate in minutes · Licensed TX #2608479TX
How Much Does Visitor Insurance Cost?
Estimates for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, and dates.
| Age Group | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
* Get an exact quote at towerhilltravelinsurance.com/quote
What Visitor Insurance Covers
Frequently Asked Questions
Does Canada's health insurance cover medical care in the USA for Calgary residents?+
What visitor insurance do you recommend for people traveling from Calgary to the USA?+
Do residents of Calgary need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Calgary?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇨🇦 Visitor Insurance for Canadians visiting the USA
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Ready to Get Covered for Your USA Trip?
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