Health Insurance Myths for Canadians in the US: What is True and What is Not? 

For many Canadians, visiting the United States—whether for a vacation, to visit family, attend school, or conduct business—can come with unexpected questions about health coverage. While Canada offers publicly funded healthcare through provincial plans, the U.S. healthcare system operates quite differently. Misunderstandings can lead to costly mistakes. 

In this article, we will dispel common health insurance myths for Canadians visiting the U.S. and provide practical, accurate information to help you plan. 

Table of Contents: 

• Health Insurance Myths for Canadians in the US 

• FAQS 

• Conclusion 

Health Insurance Myths for Canadians in the US 

1. Myth: Provincial Health Insurance Covers You in the U.S. 

Reality: Canadian provincial or territorial health insurance does not fully cover medical expenses incurred outside Canada. While some provinces may reimburse a small portion of emergency care (such as $50–$100 per day for hospital stays), this amount is far below the actual cost of care in the U.S., where a hospital visit can run into thousands of dollars—even for minor injuries or illnesses. 

Key takeaway: While certain emergency medical situations may be covered for short periods, the cost of healthcare in the US is typically much higher than in Canada, and coverage can vary based on the province and the nature of the emergency. Always purchase private travel health insurance that includes U.S. medical coverage, such as emergency treatment, hospitalization, medical evacuation, and repatriation. 

2. Myth: All Travel Insurance Covers Every Medical Cost 

Reality: Travel insurance coverage varies widely. Not all travel insurance plans offer the same level of coverage.  

There are two main types of health insurance for Canadians traveling to the U.S.: 

• Fixed benefit plans: These offer limited coverage with fixed payouts per service. They are typically more affordable but come with daily benefit caps. 
• Comprehensive plans: These offer broader protection, including higher coverage limits for emergency services, doctor visits, urgent care, diagnostic tests, and more for a new illness and injury. 

Some plans may also exclude certain services or require upfront payments by the patient. Reading the policy’s benefits and exclusions is essential before purchase. 

3. Myth: Your Canadian Prescription Drugs Are Covered in the US 

Reality: Your Canadian prescriptions are not covered under U.S. visitor insurance plans. 

Most travel insurance only covers prescription medications prescribed during your trip for newly diagnosed conditions. Your routine prescriptions filled in Canada will not be reimbursed unless explicitly stated in the policy. 

Tip: Bring enough of your prescribed medications with you and carry a copy of your prescriptions and medical history, in case of emergencies. 

4. Myth: You Only Need Travel Insurance If You Are Visiting Major US Cities 

Reality: Travel insurance is essential no matter where you travel in the U.S. 

Many Canadians mistakenly believe that medical risks are higher in urban areas. However, rural, and remote regions in the U.S. can pose even greater risks—limited access to hospitals and costly air ambulances can lead to huge bills. 

Whether you are skiing in Colorado, relaxing in Arizona, or visiting friends in a small town, unexpected health emergencies can happen anywhere. 

5. Myth: Travel Insurance Never Covers Pre-existing Conditions 

Reality: This statement is somewhat true but has more to it. Some travel insurance plans do offer limited coverage for pre-existing conditions—specifically for acute onset of such conditions. 

“Acute onset” refers to a sudden and unexpected recurrence of a pre-existing condition that requires immediate medical attention. Most plans cover acute onset if treatment begins within 12 to 24 hours of symptoms appearing. 

Important: Each plan has its own definition and coverage rules. Always review the policy certificate or consult an insurance expert before assuming coverage. 

6. Myth: You Do Not Need Insurance for a Short Stay in the US 

Reality: Medical emergencies do not wait for long trips. 

Even if you are visiting for just a few days, a sudden illness or accident can result in emergency room visits, ambulance rides, or hospital stays—costing hundreds or thousands of dollars. For example, a simple emergency room visit in the U.S. can average over $1,000 without insurance. 

A single day in a U.S. hospital without coverage could leave you with long-term financial strain. 

Bottom line: Travel insurance is critical for short-term visitors, just as it is for longer stays. 

FAQs 

What should I look for in a travel health insurance plan when visiting the US? 

When choosing a US health insurance plan for Canadian Citizens, look for coverage that includes emergency medical services, hospital stays, prescription medications for new illnesses, evacuation coverage, repatriation of remains, coverage for acute onset of pre-existing conditions, and trip-related benefits. 

Will my Canadian health insurance cover me if I move to the US? 

No. Once you become a resident of the U.S., your provincial health plan no longer applies. You will need to secure health insurance in the U.S. through a private insurer, an employer-sponsored plan, or the Health Insurance Marketplace (if eligible).  

Is travel health insurance required for all Canadians traveling to the US? 

Currently, visitor insurance is not legally required for Canadian citizens entering the U.S. However, it is strongly recommended due to the high cost of American healthcare. Some visa types (such as J-1 or certain long-term stays) may have specific insurance requirements. 

Does visitor insurance cover emergency medical evacuation? 

Many travel insurance plans include emergency medical evacuation coverage, which can cover the costs of being transported to the nearest medical facility in the case of a serious emergency. It is important to verify this coverage with your insurer before purchasing the plan. 

Conclusion 

Understanding the differences between Canadian and U.S. healthcare systems is critical for safe and worry-free travel. Relying solely on provincial health coverage or assumptions about what is covered can leave you vulnerable to overwhelming medical bills. 

By debunking common health insurance myths and arming yourself with accurate information, you can make informed decisions and select the right travel insurance for your U.S. visit. 

Before you travel, take a few minutes to compare plans, check for coverage of your specific needs, and read the fine print. Whether you are visiting for a week or a few months, the peace of mind is worth it.  

Need help choosing the right travel insurance? 

Visitor Guard® offers customized travel insurance plans for Canadians visiting the U.S., with coverage tailored to your age, health status, and travel plans. Contact us for expert advice and a free quote today.