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.
⚠️ Most Canadian provinces now pay $0 toward out-of-country medical emergencies. You're on your own in the USA.
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.
Pre-Existing Conditions — What's Covered for Canadians?
US visitors insurance uses "acute onset" coverage — emergency treatment for a sudden flare of a known condition is typically covered.
| Condition | Acute Onset Covered? | Notes |
|---|---|---|
| Type 2 Diabetes | ✓ Yes | Acute onset emergency covered under IMG & WorldTrips |
| Hypertension / High Blood Pressure | ✓ Yes | Sudden cardiac event or stroke covered as acute onset |
| Coronary Artery Disease | ✓ Yes | Emergency heart attack treatment covered — not routine cardiology visits |
| COPD / Asthma | ✓ Yes | Acute attack requiring ER care typically covered |
| Arthritis | ✗ Limited | Routine care not covered; acute fracture unrelated to arthritis is covered |
| Kidney Disease (CKD) | ✗ Limited | Dialysis is excluded; acute infection or emergency is covered |
Acute onset means emergency treatment for a sudden flare of a known condition — not routine management. Questions? Call (832) 856-1704.
Best Visitors Insurance Plans for Canadians
All plans accepted at US hospitals. A-rated carriers. Direct billing available.
Patriot America Plus
Best overall balance of price, coverage, and pre-existing condition provisions
- Up to $1M emergency medical
- Acute onset pre-existing covered
- Emergency evacuation included
- Prescription drug coverage
- Telemedicine included
- Coverage up to age 99
- 24/7 global assistance
- Renewable — extend as needed
Atlas America
Maximum medical limits for visitors with complex health history or older age
- Up to $2M emergency medical
- Highest available limits
- Acute onset pre-existing covered
- Emergency dental included
- Mental health emergencies covered
- Multilingual support 24/7
- Adventure sports optional add-on
- Renewable coverage
Safe Travels USA
$0 deductible option — no out-of-pocket at the hospital
- Up to $1M emergency medical
- $0 deductible option available
- Acute onset pre-existing covered
- Dental emergency benefit
- Trip interruption coverage
- Loss of passport benefit
- AD&D included
- 24/7 emergency hotline
How Much Does Visitors Insurance Cost for Canadians?
Real price estimates based on actual plan rates — not inflated samples.
| Age | Duration | Coverage | Deductible | Est. Cost |
|---|---|---|---|---|
| 50 years | 30 days | $100K | $250 | $38–$52 |
| 55 years | 60 days | $100K | $250 | $85–$115 |
| 60 years | 90 days | $100K | $250 | $120–$175 |
| 65 years | 90 days | $100K | $250 | $175–$245 |
| 70 years | 90 days | $100K | $250 | $240–$340 |
| 75 years | 60 days | $100K | $500 | $195–$275 |
Estimates for visitors insurance to the USA. Exact pricing depends on carrier and plan selected.
How to Buy Visitors Insurance for Canadians — Step by Step
Get an instant quote
Click 'Get Quote' and enter the visitor's age, travel dates, and home country (Canada). Takes under 2 minutes. No personal information required at this stage.
Compare 3–5 plans side by side
Our comparison tool shows IMG, WorldTrips, and Trawick side by side — coverage limits, deductibles, network, and pre-existing condition provisions. Pick what fits the visitor's health and budget.
Purchase online — instant policy
Pay securely online. The insurance certificate is emailed within minutes. Print it or save it to your phone — you'll need it if the visitor goes to a hospital.
Use the insurance if needed
In an emergency, call the number on the insurance card. The 24/7 assistance team will find the nearest in-network hospital, arrange direct billing, and handle paperwork.
Extend if the stay gets longer
If the visitor extends their stay, renew the policy online before it expires. As long as no claim has been filed, most plans renew seamlessly for up to 364 days total.
Frequently Asked Questions — Canadians Visiting the USA
Does my province's health card cover me in the USA?
What about my credit card travel insurance for the USA?
How much does US visitor insurance cost for Canadians?
Do Canadians need a visa to enter the USA?
What is the best visitor insurance for Canadian snowbirds in Florida or Arizona?
Does visitor insurance cover pre-existing conditions for Canadian visitors?
Can I buy visitor insurance after arriving in the USA?
Protect Your Family. Get Covered Today.
Home country health insurance doesn't work in America. Get covered before landing — instant quote, instant policy, instant peace of mind.
Get Instant Quote for CanadiansLicensed Texas #2608479TX · IMG, WorldTrips & Trawick International · (832) 856-1704