Visitor Insurance for Montréal 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.
Montréal is a bilingual hub with strong ties to the northeastern USA. New York, Boston, and Philadelphia are all a short flight away, and Montréal residents visit the USA in significant numbers for tourism, shopping, and business.
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 Montréal 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 Montréal residents?+
What visitor insurance do you recommend for people traveling from Montréal to the USA?+
Do residents of Montréal need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Montréal?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇨🇦 Visitor Insurance for Canadians visiting the USA
🇨🇦
Ready to Get Covered for Your USA Trip?
Compare IMG, WorldTrips, and Trawick side-by-side. Free quote in under 2 minutes.
Get Your Free Quote →Licensed Insurance Agency · Texas #2608479TX · A-Rated Carriers