TN visa holders — Canadian and Mexican professionals working in the USA under USMCA/NAFTA — often have a gap between arrival and employer health insurance enrollment. Visitor insurance fills this gap and protects during any subsequent coverage lapse.
Quick Answer
TN visa holders are eligible for standard US visitor insurance and typically need coverage for 30–90 days while waiting for employer health insurance to begin. IMG Patriot America Plus and Trawick Safe Travels USA are the most popular choices for TN visa holders.
Frequently Asked Questions
Can a TN visa holder get visitor insurance?
Yes. TN visa holders are eligible for all standard visitor insurance plans.
How long does TN visa visitor insurance typically need to last?
Most TN visa holders need 30–90 days of coverage — from arrival until employer health insurance begins. Some purchase 6-month plans for flexibility.
Does Canadian provincial health insurance cover TN visa holders in the USA?
No. Canadian provincial health insurance (OHIP, AHCIP, etc.) does not cover medical care in the USA for non-emergency situations. Some provinces provide emergency coverage for a limited period after departure, but this is insufficient for long-term US residency.
Which is better for TN visa holders: US visitor insurance or travel insurance?
US visitor insurance (designed for people living temporarily in the USA) is the right product — not international travel insurance (designed for short trips abroad). Both exist, but visitor insurance is purpose-built for your situation.
What if my employer plan doesn't start for 3 months?
Purchase visitor insurance for exactly that period. Most plans can be started and stopped on specific dates matching your exact coverage gap.
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