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USA Vacation, Trip & Travel Insurance

Last updated: 21st June 2023

Travel insurance for the USA

If you're a Canadian planning a trip to the United States, you'll want to ensure you have the right travel insurance coverage before you go. With so many different travel insurance providers and plans available, comparing your options is key to getting the best deal and the right level of coverage for your needs.

At Compare Your Travel Insurance, we make it easy to compare travel insurance plans from different providers, so you can feel confident you're making an informed decision. Whether you're looking for basic medical coverage or more comprehensive protection, we've got you covered.

Our user-friendly website allows you to compare plans side-by-side, filtering by coverage level, provider, and more. Plus, with our handy resources and expert guides, you'll have all the information you need to make the right choice for your next adventure.

So before you finalize your travel plans, be sure to compare travel insurance with Compare Your Travel Insurance. With us, you can get the peace of mind you need for a worry-free trip.

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Golden Gate Bridge, San Fransisco, USA

Do I need travel insurance for the USA?

If you're planning a trip to the United States of America, it’s important to keep in mind that your Provincial or Territorial Health Insurance Plan will not be able to cover your medical bills incurred outside of Canada. It's essential to understand that the healthcare system in the USA operates differently from Canada. Healthcare costs in the USA are extremely high, and without travel insurance, you may have to pay upfront if you require medical attention.

Medical procedures and treatments in the USA can be expensive. Even a simple visit to the emergency room can cost thousands of dollars. Without adequate travel insurance, you are fully responsible for your healthcare costs in the USA. It's not just the cost of medical treatment that is a concern, but also the expenses associated with transportation to a medical facility, medication, and other related expenses.

It's essential to be prepared for any unforeseen circumstances that may arise during your trip. Accidents and emergencies can happen to anyone, and it's crucial to have a plan in place to deal with them. Securing comprehensive travel insurance is a wise decision to make. That way, if you do get sick or injured whilst on vacation, you won't be stuck with a massive bill, and you can focus on your recovery instead of worrying about the financial burden.

What if I am driving across the border?

When it comes to travelling outside of your home province in Canada, it's important to remember that even if you're only a couple of feet or miles across the border, you've technically left the country. With this in mind, it's essential to be prepared for any unforeseen circumstances that could arise, particularly in relation to medical emergencies.

Whether you're travelling to the US or anywhere else outside of your home province, it's highly recommended to take out travel insurance. This can provide you with peace of mind and financial protection in the event of a medical emergency or accident. With travel insurance, you can rest assured that you'll have access to immediate medical attention at your location, helping to mitigate the potentially high costs of healthcare abroad.

Horseshoe Bend, Grand Canyon, USA

What if I frequently visit the USA?

Do you find yourself frequently travelling across the border, whether by car or plane? If so, you may want to consider exploring an annual multi-trip plan. This type of plan is specifically designed to cover multiple trips within a year, providing you with an invisible shield of protection while visiting the USA.

When comparing plans, you'll be asked about the maximum number of days you'll be away on any one trip. This is important, as it will allow you to determine the right coverage for your needs, whether you're just visiting for the weekend or planning a more extended stay.

An annual multi-trip plan can offer a variety of benefits, including cost savings, convenience, and peace of mind. With this type of plan, you'll have the freedom to travel without worrying about the expense of purchasing separate coverage for each trip. Plus, you'll be able to rest easy knowing that you're protected against unexpected events that could derail your travel plans.

So, if you're a frequent traveller, an annual multi-trip plan could be an excellent investment in your travel future. Take some time to explore your options and find the plan that's right for you!

Finding the best coverage for the USA

If you're planning a trip to the USA from Canada, it's important to ensure that you have comprehensive travel insurance coverage for yourself and your travel companions. With the high cost of medical care in America, it's essential to be prepared for any unexpected expenses.

To help you find the best coverage, we recommend using a comparison site like ours to compare plans from different providers. This can save you both time and money, and give you peace of mind while you're exploring the many varied sights and sounds of America.

Remember, accidents and illnesses can happen at any time, and it's always better to be prepared. Travel insurance can provide you with the financial protection you need in case of an emergency, so you can enjoy your trip without any worries.

Also, keep in mind that travel insurance doesn't just cover medical expenses. It can also provide coverage for trip cancellations, lost or stolen luggage, and many other unexpected events. Make sure to read the policy carefully to understand what is and isn't covered, and don't hesitate to ask questions if you're unsure about anything.

So, before you embark on your American adventure, make sure that you have the right travel insurance coverage in place. It's a small price to pay for the peace of mind that comes with knowing you're protected.

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Yes. Whether you have driven or flown, you should have travel insurance when visiting the United States.

This depends on how long on average you expect to be away. If you frequently do cross-border travel for short stays, you may not need more than a 4-day annual plan, but perhaps if you take a few vacations per year that don’t exceed two weeks, then you might look at a 15-day annual plan or greater.

This depends on the rules of your home province. Some provinces allow you to be outside for a total of 182 days in a calendar year while others may allow up to 212 days. While you may be able to obtain coverage up to these durations, travel insurance will only be valid as you remain a resident of your home province and have a valid Government health insurance plan.

Emergency medical coverage is the benefit of the policy related solely to those medical expenses, such as the doctor’s visit, hospital stay, prescriptions, ambulances – essentially any item related to your medical event. Items such as baggage loss or trip cancellation would not be covered under this benefit.

Healthcare in other countries can be very expensive, especially in the United States. A simple emergency room visit can cost someone a few thousand dollars without health insurance. More severe reasons for conditions could cost hundreds of thousands. 

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Warren Brown
Author: Warren Brown, Relationship Manager

Warren holds over 19 years of experience in the travel insurance industry. He enjoys telling the stories of people and places which is fed by his love of travel. Warren is an active member of the Travel Health Insurance Association of Canada (THIA) to better educate the Canadian traveller on the benefits of travelling protected.


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