Tower Hill Travel Insurance
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Visitor Insurance for Canada

US Visitor Insurance for Canadians

Canadian provincial health coverage barely works across the US border — and most provinces have eliminated out-of-country emergency benefits entirely.

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The Coverage Gap

Your Provincial Health Plan Likely Covers Nothing in the USA

Most Canadian provinces have eliminated or severely reduced out-of-country emergency health benefits. Ontario, Quebec, British Columbia, and others have all cut reimbursements to near zero. If you or a family member has a medical emergency while visiting the USA, you could owe the full bill — which averages $11,700 per hospital night.

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Most Canadian provinces now pay $0 toward out-of-country medical emergencies. You're on your own in the USA.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0–$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does my province's health card cover me in the USA?
Almost certainly not anymore. Most Canadian provinces have reduced out-of-country emergency health benefits to zero or near zero. Ontario, British Columbia, Alberta, and most other provinces no longer reimburse emergency medical costs incurred in the USA.
What about my credit card travel insurance?
Credit card travel insurance typically has very low maximums ($50,000–$100,000), short coverage periods (15–21 days), and strict eligibility requirements. A dedicated visitor plan offers higher limits and more comprehensive coverage at a similar or lower cost.
Do Canadians need a visa to enter the USA?
Canadian citizens do not need a visa to enter the USA for visits under 6 months. However, visitor insurance is strongly recommended regardless of trip length.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.
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Protect Your Trip to the USA

Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.

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Texas License #2608479TX · A-rated carriers · 151 countries covered