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Best US health insurance

Best US Health Insurance for Canadian Citizens / Expats

Are you a Canadian citizen planning to visit the US from Canada? The US has been one of the best destinations globally for exploring distinct places and cultures.

Some people also take an interest in the study and work-based programs. However, visiting the US without proper health insurance for the USA from Canada can land you in financial trouble.

Medical expenses in the US are huge, and not everyone can afford them. Outside Canada, typically the Canadian provincial health care coverage may cover very little or nothing for many service costs like ER fees, ambulance rides, air evacuations, prescription drugs and other benefits. It is where you require a visitor medical insurance plan or Snowbird travel insurance.

The policy will pay for your sudden medical conditions and cover numerous travel-related costs.

Quick Facts: US Health Insurance for Canadian Citizens

  • Purchase: Most plans can be bought even after leaving Canada and while in the US.  
  • Plans Available: Options include Safe Travels USA Comprehensive, Patriot America Plus, WorldMed, and Diplomat Long Term.
  • Coverage: Includes emergency medical evacuation, repatriation, and acute onset of pre-existing conditions.
  • Benefits: Vary by plan, offering different coverage limits and deductible choices.
  • Importance: Essential for avoiding high medical costs during travel in the US.
  • Network Access: Many plans provide access to extensive PPO networks across the US.
  • Application Process: Easy online application with quick approval times.

Here are the five best US health insurance for Canadian Citizens with cost (2025 updated):

Insurance PlansMedical Limit

Plan Cost*

Visitors Care
$ 25,000 maximum
$18.30 per month
Safe Travels USA Comprehensive
$ 50,000 maximum
$72.60 per month
Patriot America Plus
$ 50,000 maximum
$74.70 per month
Venbrook Premier
$ 1,000,000 maximum
$270 per month
Diplomat Long Term
$ 500,000 maximum
$206.39 per month
*Estimated Cost

1. Safe Travels USA Comprehensive

Safe Travels USA Comprehensive plan provides insurance for medical accidents, illness, emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage, accidental death, and dismemberment. Available to non-US residents up to 90 years of age, the plan is highly affordable. For example, a 30-year-old Canadian citizen can pay only $72 for a plan with a $500,000 policy maximum and a $500 deductible.

Safe Travels USA Comprehensive Plan Highlights:

  • $50,000 to $1,000,000 is the choice of plan limits.
  • Deductible options: in-network- $0 / out-of-network $0, $100, $250, $500, $1,000, $2500, $5000.
  • The plan offers coverage from 5 days to 364 days. Renewable for up to 24 consecutive months.
  • 1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac conditions.
  • $125 Doctor Wellness Visit Benefit if the policy has been purchased for at least 30 days.
  • Covid-19 is treated like any other illness.
  • Optional Athletic Sports coverage, Home country coverage, and 24-hour AD&D (Accidental Death & Dismemberment).

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Safe Travels USA Comprehensive Plan brochure.

2. Patriot America Plus

Patriot America Plus is one of the highly popular medical insurance policies among international US visitors. The covid-19 coverage covers the treatment charges resulting from coronavirus and is treated as any other illnesses. The coverage for acute onset of pre-existing conditions provides necessary emergency care and treatment that needs immediate medical attention.

Patriot America Plus Plan highlights:

  • Eligible medical expenses up to the maximum limit.
  • $25 copay for urgent care clinic, and $15 copay for the walk-in clinic. Copay is not applicable with a $0 deductible.
  • Hospital facilities, laboratory tests, X-rays, prescriptions and drugs, and surgery up to the maximum limit.
  • Emergency reunion is a $100,000 maximum limit and is not subject to deductible or coinsurance.
  • Emergency local ambulance up to the maximum limit subject to deductible or coinsurance. IMG pays 100% for the interfacility ambulance transfer.
  • Political evacuation & repatriation, natural disaster evacuation, and return of minor children are covered.

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Patriot America Plus Plan brochure.

3. Venbrook Premier

Venbrook Premier plan can help you by providing accident and sickness medical coverage. It is available to anyone, ages 14 days to 8 9 years, traveling to a foreign country for trip lengths of 5 to 364 days. The plan is not available to travelers age 90 years and above. The plan provides coverage medical costs and emergency medical evacuation to help protect you while away from home. The premium is reasonable. For example, a 55-year-old adult needs to pay approx. $226 for a plan with a $1 million policy maximum and a $500 deductible.

Venbrook Premier Plan Highlights:

  • Overall Maximum Limit options: $50,000, $100,000, $250,000, $500,000, $1,000,000.
  • Coinsurance: After the deductible plan pays 100% up to the overall- maximum. 
  • Acute onset of pre-existing conditions For ages up to and including 69, the limit is up to the Medical Policy Maximum purchased per Policy Period, 
  • Accidental death and dismemberment, emergency medical evacuation, return of minor children, repatriation of remains, and emergency reunion are covered. 
  • Trip interruption, baggage loss, stolen passport/visa, and incidental trip outside the US are covered. 
  • Dental Treatment for Injury, For Pain to Sound Natural Teeth covered up to $300 maximum.
  • Optional add-on includes Return to Home Country Coverage, Adventure Activity, and Sports coverage. 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Venbrook Premier Plan brochure.

4. Diplomat Long Term

If you are traveling outside your home country and coming to the US for a short stay, Diplomat Long Term is for you. And this applies to Canadians, as well. Therefore, it makes it suitable for business and leisure travelers, expatriates, exchange students, au pairs, church or missionary visitors, and more.

Diplomat Long Term Plan Highlights:

  • Policy maximum ranges from $500,000 to $1,000,000 if traveling to the US.
  • $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/plan period.
  • The plan pays 80% up to $5,000 of eligible costs, then 100% to the medical maximum.
  • Includes coverage for Emergency medical evacuation and repatriation, return of mortal remains, emergency medical reunion, and return of minor child, accidental death and dismemberment, political and natural disaster evacuation, and loss of baggage .
  • Optional plan enhancement for athletic & hazardous activity, home country coverage, and war risk coverage (only outside the US).

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Diplomat Long Term plan Brochure.

5. Visitor Care

Visitors Care is a fixed-benefit plan available for non-US citizens and residents visiting the US. The plan offers fixed-benefit coverage for medical expenses related to injuries and illnesses, including hospitalization, surgery, doctor visits, and prescriptions up to a certain limit. It also includes coverage for evacuation and repatriation. Coverage is provided within the United States.  

Visitor Care Plan Highlights:  

  • The plan offers three levels of coverage- Lite, Plus, and Platinum 
  • Covers Acute Onset of Pre-Existing Conditions:   
  • Lite: Up to $25,000 per coverage period.  
  • Plus: Up to $50,000 per coverage period.  
  • Platinum: Up to $100,000 per coverage period.  
  • Deductible options: $0, $50, $100  
  • Maximum Coverage limits: $25,000, $50,000, and $100,000 per illness/injury  
  • Dental accident coverage: Up to $550 per coverage period.  
  • Urgent care and walk-in clinic visits: Coverage ranges from $40 (Lite) to $85 (Platinum), with a maximum of 10 visits per coverage period 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Visitor Care plan Brochure.

If you are planning to take a trip to the US from Canada, the policies mentioned above are some popular options to consider. Apart from these, there are other health insurance plans, that you can compare on Visitor Guard.com. Do you need a comprehensive insurance plan? Then, drop us an email, or give us a call. Our executives can help you buy a suitable US visitor plan for your stay. 

Pallavi Sadekar

Pallavi Sadekar

Travel Insurance Expert

Pallavi Sadekar is a seasoned insurance professional with over 17 years of experience in the industry. As the Head of Operations at Visitor Guard®, she brings a wealth of expertise to the field. With a profound understanding of insurance, Pallavi has consistently demonstrated her commitment to helping clients make informed decisions about their coverage.

Pallavi’s insights and advice has earned her recognition in esteemed publications, including Forbes, USA Today, and various online platforms. Her contributions to these outlets have solidified her reputation as a trusted authority in the insurance domain. Whether it’s navigating the complexities of visitor insurance, finding the right coverage for clients, or understanding the intricacies of visitor health insurance, Pallavi’s in-depth knowledge allows her to offer practical and informed guidance to her clients.

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