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

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.

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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. Most Canadian provinces have reduced out-of-country emergency health benefits to zero. Ontario eliminated its Out-of-Country Travellers Program in 2020. BC, Alberta, and most other provinces now reimburse either nothing or a negligible amount (sometimes as little as $75/day toward a $11,700/day hospital bill). You should assume your provincial health card provides zero US coverage.
What about my credit card travel insurance for the USA?
Credit card travel insurance has significant gaps: maximum benefits are usually $50,000–$100,000 (a US cardiac event can exceed $200,000), coverage is often capped at 15–21 days, and eligibility requires charging the full trip cost to the card. Age cutoffs (often 65–75) may disqualify seniors. A dedicated visitor plan provides higher limits with clearer terms at a similar or lower cost.
How much does US visitor insurance cost for Canadians?
Plans typically start around $1.50–$3.00 per day CAD depending on age and coverage amount. A healthy Canadian adult under 60 visiting for 30 days usually pays $55–$100 CAD. Snowbirds and seniors over 70 will see higher rates but still far less than the risk of a single uncovered US hospitalization. Get an exact quote instantly — no personal information required.
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 — your provincial health card provides zero US medical coverage, leaving you fully exposed.
What is the best visitor insurance for Canadian snowbirds in Florida or Arizona?
For Canadian snowbirds, we recommend WorldTrips Atlas America for its high coverage limits (up to $2,000,000) and long-stay options. IMG Patriot America Plus is also popular for its acute onset pre-existing condition coverage — essential if you have heart disease, diabetes, or hypertension. Both are A-rated carriers designed for the US healthcare system.
Does visitor insurance cover pre-existing conditions for Canadian visitors?
Most plans include acute onset coverage — meaning if you have a known condition like heart disease or COPD and you experience a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine follow-up care, medications, or elective procedures for stable conditions are not covered. This benefit is especially important for older Canadian visitors.
Can I buy visitor insurance after arriving in the USA?
Yes — most plans can be purchased after arrival in the USA. However, there is typically a short waiting period (24–72 hours) before coverage begins for non-emergency conditions. For emergencies, coverage usually starts immediately. We recommend buying before you depart Canada whenever possible to avoid any waiting period gaps.
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.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Canadians in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for Canadians.

Read Guide
Parents Guide

Visitors Insurance for Canadians Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting Canada

Your US health insurance won't cover you in Canada. Compare international plans for Americans.

Read Guide

For Canadians Traveling to Other Countries

International Travel Insurance for Canadians

Planning a trip to Europe, Asia, or beyond? Canada's health coverage provides no protection abroad. Compare plans for Canadians traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇦🇺Australia🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇬🇧United Kingdom🇮🇳India🇵🇭Philippines🇨🇳China🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia🇳🇬Nigeria
Browse all 194 countries →See all visitor insurance plans →
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