Buy Canadian Travel Insurance Plan for Visitors Traveling to Canada at Visitors Insurance (2024)

FAQs

Can I buy visitor insurance after arrival in Canada? ›

Visitors to Canada emergency medical coverage can be purchased prior to their arrival in Canada or within the first 7 days after they enter our country. If they purchase it after they arrive, during the first 48 hours there is no coverage for a medical condition, but there is coverage for accidents or injuries.

Even though Canada is just over the border, your U.S. health insurance plan will not be accepted there unless it specifically provides global coverage. American Medicare also is not accepted in Canada. It's important to purchase travel medical insurance in case you suffer an injury or fall ill while in Canada.

When you're ready to purchase visitors insurance, it is typically recommended to do so before your travel dates. This ensures that you'll be protected for the entirety of your travels to the United States. However, you can purchase US visitors insurance at any time, even after you have arrived in the US.

The Travel Medical plans that we offer are available for purchase either before or after arrival. Because these policies typically only provide coverage for anything new that happens after the policy start date, we recommend that you make your purchase prior to embarking on your travels.

Absolutely. Trip cancellation protection begins on your plan's effective date, as long as we receive your premium before you cancel your trip or make a claim. (The effective date depends on when and how you purchase a plan; if you buy travel insurance online, for example, it's the day after we receive your order.)

You don't have to have travel insurance when visiting Canada, unless you are applying for a super visa.

Why is travel insurance to Canada so expensive? Medical care and treatment in Canada is of high quality, however, it is also very expensive. As a result, travel insurance for Canada often costs more as insurers will take the higher cost of healthcare into consideration if you have to make a claim.

As Canada is a part of North America, you'll need worldwide travel insurance to protect you against: Loss, damage, or theft of your belongings - If your luggage goes missing or is damaged in transit, your insurance will help cover the costs of replacing your things.

What happens if an American gets sick in Canada? ›

If during your visit to Canada you get sick or injured, the Canadian government won't pay for any hospitalization or emergency medical services for visitors. Also, if you don't have proper medical insurance coverage, you will be liable to pay for any medical service out of your own pocket.

Can an American Get Health Insurance in Canada? US citizens living in Canada can purchase the GeoBlue Xplorer plan which offers comprehensive worldwide coverage. It also provides access to the Blue Cross / Blue Shield network of doctors and hospitals in the USA.

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll have protection and the more benefits you may be eligible to receive.

When to buy travel insurance can depend on the trip or trips you're taking and the kind of policy you choose to suit them. Usually, though, it's best to get cover in place for your holiday as soon as you've booked or made a financial commitment to it.

Can you buy travel insurance at the airport? No, you can't buy travel insurance at the airport. You also can't buy it when you've already boarded your cruise, you've chosen not to attend a tour or your flight is so late it causes you to miss your connection.

Can You Add Travel Insurance Any Time? Yes! You can buy travel insurance to improve your coverage at almost any time during your trip. Insurers who provide post-departure insurance sometimes offer medical-only coverage.

The answer is “yes,” you can still get some coverage, but there are exclusions. Many providers will offer you emergency medical coverage if you are already outside of Canada but wish to purchase travel insurance. But be advised it could be subject to a delay of typically 24-48 hours before the policy is active.

If during your visit to Canada you get sick or injured, the Canadian government won't pay for any hospitalization or emergency medical services for visitors. Also, if you don't have proper medical insurance coverage, you will be liable to pay for any medical service out of your own pocket.