Best Travel Insurance for Canadians Visiting USA

By Remitbee - Apr 15, 2022

Do you miss travelling? If so, you are not alone. Data shows that in January of 2022, Canadians returned from 690,200 trips to the United States which is more than two and a half times the trips Canadians made in January of 2021. While Canada is a beautiful country teeming with different tourist spots to visit, some still want to satisfy their wanderlusts by travelling abroad, even if it means just a few miles from their home.

Suppose you are planning to travel to the USA for business or pleasure. In that case, Canadians are urged to get travel insurance before they leave. In case of emergency, your travel insurance can offset the high costs associated with you travelling abroad, such as medical costs, driver and vehicle coverage, trip interruption, lost luggage, or document replacement. You can purchase travel insurance through your travel agent, insurance broker, credit card company, or your employer’s insurance provider.

In the sea of travel insurance available for Canadians travelling to the USA, here’s a list of the best insurance you can consider getting for yourself and your family:

1. RBC’s Trip Cancellation and Interruption Insurance

Some things don’t always go as planned. When you travel from Canada to the USA, your trip might get cancelled or interrupted and may result in problems with your non-refundable or non-transferrable plane tickets, hotel deposits, and other travel arrangements. Sometimes, you may also lose your luggage. In these cases, applying for RBC’s Trip Cancellation and Interruption insurance assures you that out-of-pocket expenses will be reimbursed to you should there be any problems with your travel arrangements.

2. TD Travel Insurance’s Travel Medical Insurance (Annual Plan, Multiple trips in 1 year)

Suppose you are 30 and below and are planning to travel multiple times within the year to the USA, for only $70. In that case, you can avail yourself of an Annual Plan – Travel Emergency Medical insurance from TD Travel Insurance with a maximum 9-day coverage per trip. This covers emergency medical costs up to $5 million +24/7 emergency assistance.

3. Ontario Blue Cross’ Snowbirds Insurance

If you’re traveling to the USA to escape the winter of Canada, this travel insurance for snowbirds by Ontario Blue Cross is for you. This insurance is available on a daily or annual basis and includes 24/7 emergency assistance services. You can choose among the four snowbird coverage options: medical only, annual medical, package plus, or annual package plus. You will also get coverage for trip cancellation, interruption, and baggage when you choose the package insurance options, aside from emergency medical care.

All of these four options include $5,000,000 for emergency medical care per trip, hospitalization fees, professional fees, up to $2,000 for emergency dental treatment because of an accident, emergency repatriation, transportation and out-of-pocket expenses, up to $5,000 for return of your vehicle to Canadian residence, up to $3,000 for accommodation and meals, and medical follow-up in Canada after repatriation. If you already have their annual travel insurance plan, you can renew it online.

4. Allianz Global Assitance’s Travel Insurance Medical + Cancellation Plan

If you are 15 days old to 84 years old and are travelling to the USA for one trip lasting for a month and need coverage for medical and trip cancellation, for $178.72 (price varies, depending on your trip details and other information), you can avail yourself of travel insurance from Allianz. This insurance covers up to $10,000,000 on emergency medical services and $50,000 for trip cancellation. Your baggage is also covered for $1,000, and baggage delay for $400.

Should there be any problems with your meals and accommodation, you get $300 per day or a maximum coverage of $5,000. If your vehicle needs to be returned to Canada, this insurance will cover $5,000 of the costs. Are you travelling with a pet? If you are required to return to Canada earlier than expected, your pet’s cost of travelling is covered by up to $500.

In cases of flight accidents, you will be covered for up to $100,000. In case of accidental death and dismemberment, your beneficiary can receive up to $50,000.

5. Manulife’s CoverMe® Travel Insurance for Travelling Canadians

Since COVID-19 still exists, this travel insurance by Manulife not only covers single or multiple plans but also coverage for COVID-19 related emergency medical conditions and more. This insurance can help cover emergency medical expenses up to $10,000,000 for physician services, ambulance transportation, hospitalization, prescription drugs, and more.

For the COVID-19 Pandemic Travel Plan, you will get up to $1,000,000 coverage. If you have received the full course of immunization for COVID-19 authorized by Health Canada, you are also offered up to $5,000,000 for COVID-19 related expenses. This also includes a Trip Interruption Insurance benefit if you must quarantine, up to $ 200 per person per day for your additional and unplanned hotel and meal expenses, and up to $2,800 if required to self-isolate or self-isolate quarantine. Family coverage is $400 per family per day or a maximum of $5,600.

These are just five of the many recommended travel insurance you should consider getting if you plan to visit the USA. If you need recommendations for the best currency exchange service in Canada, choose RemitBee. We give you high currency exchange rates for free! We don’t charge any fee for our currency exchange services, whether USD to CAD or vice versa, so long as you exchange at least $10. Try our services by signing up now.

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