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Best Travel Insurance for Canada from the US
Canada has a lot to offer tourists - from vibrant cities, lively culture, and stunning landscapes to adventure in every direction. With time, Canadian tourism from the US is increasing. However, traveling to Canada without a travel insurance plan can lead to various challenges. Travel insurance for Canada from the US is necessary if you are planning a short trip to the country.
Your standard health insurance policy from your home country may not support you rigorously in a new destination, which is why buying medical insurance for Canada from the US is recommended. The policy can cover eligible medical expenses, hospitalization, surgeries, acute onset of pre-existing conditions, medical evacuation, repatriation, COVID-19 treatment, doctor’s visits, urgent care, and more.
Visitor Guard® has several medical insurance plans for travel to Canada. If you need one, do not hesitate to call us.
Travel Insurance Plans for Canada from the US
iTravelInsured SE
$24 / mo For a 24 year old with a $300 trip cost- Available for ages up to 99years
- Maximum trip length 180 days
- Trip Cancellation maximum benefit up to 100% of insured trip cost (min $300)
- Medical coverage of $250,000 (may vary by state)
- Trip Interruption maximum benefit up to 150% of insured trip cost
- $2000 maximum benefit for travel delay
- Brochure
Atlas International
$53 / mo For age 45 years with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $2 million
- Deductible options from $0 to $5,000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Patriot International
$54 / mo For age 45 years with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
Travel Insurance for Canada from the US
Travel insurance has a lot of importance when traveling to a new country. Traveling to Canada from the US without insurance coverage can cause various difficulties, including financial and emotional stress. Visitors may have to cut short their vacation and return to the US to be treated if a medical emergency arises.
Travel insurance for Canada from the US can safeguard visitors from medical and trip-related mishaps. The plans are designed to protect them from accidents, injuries, illnesses, acute onset of pre-existing conditions, COVID-19, and more, securing their finances. Visitors can buy comprehensive and fixed benefit plans from us. Comprehensive insurance plans are expensive but offer greater benefits, whereas fixed benefit plans are on the economical side.
To know more about travel insurance for Canadian visitors, get in touch with us.
Advantages of Travel Insurance for Canada
- Access to medical care- Visitors can rush to any emergency clinic, doctor, and hospital at the time of an emergency.
- Enjoy trip-related benefits- Some travel insurance plans for Canada visitors can offer travel-related benefits, including baggage loss and delay, loss of personal belongings, trip delay, and more. Check the brochure to know what it includes.
- Medical evacuation- The plan supports emergency medical evacuation to the nearby equipped medical centre for care and treatment.
- COVID-19 treatment- Covid is treated like any other illness. The plan offers treatment for COVID1-19 and related expenses in case the visitor contracts the virus during travel.
Why Choose us for Travel Insurance for Canada
- We offer the best plans- Visitor Guard® takes pride in offering the best insurance plans in the market at the best rates. Our plans are designed for every category of travelers.
- We value customers- We listen to our customers and suggest plans as per their medical and travel needs. We also help them in the buying process.
- We offer 24/7 help- Customers can reach us any time before and after buying a plan. We assure you to help each one with our guided support.
- We have a team of experienced professionals- Our executives are trained and have complete knowledge of the insurance industry. We never leave our customers disappointed.
- We are a reliable company- Visitor Guard® has been serving clients since 2003 with our insurance solutions. We have become a household name for reliable insurance products and services.
Know about Canadian Embassy in the US
In Canada, the US Government issues visas from its Embassy and six consulates located throughout the country. Canadians do not require visas to enter the United States, and the US citizens do not require visas to enter Canada, although there are some exceptions.
Canadian Embassies in the US are in Washington, Atlanta, Boston, Chicago, Dallas, Denver, Detroit, Honolulu, Los Angeles, Miami, New York, San Francisco, and Seattle. For emergency consular assistance, call the embassy of Canada in the United States, in Washington, or one of the closest consulates and follow the instructions. Kristen Hillman is the ambassador of Canadian embassy in the US.
Travel insurance including trip cancellation
Travel insurance plan offering trip cancellation benefits covers non-refundable trip expenses up to a certain amount if the trip is cancelled for a covered reason. The non-refundable trip expenses include flight tickets, accommodations, cruise booking, events, and other activities that can otherwise result in a monetary loss if the trip is canceled. The covered reason varies from one plan to another; hence, checking the plan’s document is always suggested.
Typically, the covered reasons include natural disasters, adverse weather, accidents, illness of the insured or the traveling companion, death of a family member, war, and terrorism in the country or in the destination country, etc. Travel insurance with trip cancellation benefits must be bought before departure. For more queries and concerns, call us or drop us an email.
Best 3 Travel Insurance Plans for Canada
The three best seller medical insurance plans for travel to Canada are:
1. Patriot International
This is a comprehensive plan, underwritten by SiriusPoint Ltd and has received an A- from the AM Rating. It covers covid, hospital, doctor, prescription drugs, dental emergency, medical evacuation, repatriation, non-chronic acute onset of pre-existing conditions, and more. It also offers optional add-ons for Adventure Sports, enhanced AD&D (Accidental Death & Dismemberment), Evacuation, and Chaperone/Faculty Leader replacement. The plan offers insured members the chance to visit any providers but recommends IMG IPA Network.
2. Atlas International
This is a comprehensive plan, underwritten by Lloyds with an A (Excellent) AM Rating. It covers covid, hospital, doctor, prescription drugs, dental emergency and accident, pregnancy (complications during the first 26 weeks), acute onset of non-chronic pre-existing conditions, medical evacuation, repatriation, and more. It follows no PPO network.
3. GeoBlue Voyager
Underwritten by 4 Ever Life Insurance Company with an A- (Excellent) AM Rating, this comprehensive plan covers hospital, doctor, prescription drugs, pregnancy complications, dental emergency and accidents, medical evacuation and repatriation, acute onset of pre-existing conditions per the schedule of benefits, and more. The plan does not cover COVID-19 and follows no PPO network.
Check the plans’ brochures to know the benefits and limitations.
Know about Canada Visa
US citizens, including US-Canadian citizens, must carry proper identification and meet the basic requirements to enter Canada. You do not need a Canadian passport, a Canadian visa, or an eTA to enter Canada if you are travelling with a valid US passport.
If you have a valid Canadian visa, you do not need to apply for an eTA. You can travel with your visa until it expires. To apply for eTA, you need your passport, debit, or credit card, and use the online form. After completing the form, pay $7 CAD. You get an email about eTA application. US citizens are exempt from the eTA requirement. You can click here to find out who needs an eTA.
Travel Insurance for Canada from the US - FAQS
Yes, it is recommended to carry a travel insurance plan to Canada from the US. The medical costs in Canada are expensive, and a travel insurance plan can protect your from paying out-of-pocket medical costs.
You will need to consider a visitor insurance plan while visiting Canada. The plan typically covers medical expenses, hospital stays, doctor’s visits, urgent care, emergency medical services, prescription drugs, etc. Some plans can also cover trip-related benefits.
The average cost of travel insurance depends on four factors– the traveler’s age, trip length, the chosen policy maximum, and deductible. If you add optional riders, the cost of the plan increases. It is suggested to talk to your insurance provider to find out your plan’s cost.
Most travel insurance plans cover COVID-19 and related medical expenses like any other illness while traveling. However, some plans may not cover covid at all. It is better if you check the plan’s brochure to know what it covers and what it does not cover.
The government health insurance plans cover only Canadian citizens and permanent residents. You must have a provincial health insurance card from the province or territory where you live in. Visitors entering Canada have no access to these plans. Visitors need temporary visitor medical insurance coverage during their stay in Canada in the event they need medical treatment, or they can choose to pay from their pockets.
Unlike other countries, the US and Canada do not have a nationally regulated medical body. These countries do not have government hospitals; hence, the only option they have is private hospitalization, consultation, and care, which are costly. To meet these significant healthcare charges, the travel insurance is expensive in Canada.