Travel insurance for Toronto, Toronto travel insurance

Can I get US insurance when I am already in the US? Does the warning level from my country matter to getting US insurance?

YES! Canadians CAN purchase US travel insurance policies from us to cover the remainder of their stay (as long as they like). The travel insurance plans that cover COVID have been written not to exclude coverage based on these levels issued by any government authorities.

Note that the policies are generally renewable, so if plans change (as they so often do these days), the policies can be extended (minimum of 5 days and up to 12 months). Policies are available up to $100,000 for persons in their 70s and up to $50,000 for persons in their 80s. You can use our search engine to determine the best prices for you based on age and deductible you'd like.

The deductible on a comprehensive policy is generally a one-time payment if there are any medical expenses (doctor visit, ER visit, medications, etc). A higher deductible will give a lower premium cost, so it is a balance of what you feel you can pay out in the unlikely event you will need medical attention, and how much the policy costs you per month and day.

When you purchase the policy, you will enter your Canadian address as your "home" or "residence" address regardless of whether you own a home in the US or not. The "residence" country and the "destination" country CANNOT be the same. Then, you can choose the start date (even if it says trip start date) as the first day you need the policy. And, even though you choose an "Trip end date" you can always extend most policies without issue (just do not wait until they have expired).

Unfortunately, insurance coverage for pre-existing conditions is very limited on most US visitor policies for foreign visitors. Some policies will cover "acute onset" of pre-existing conditions which should mean life-threatening emergencies due to pre-existing conditions, but they have all recently excluded chronic and congenital disorders from that coverage. As a non-medical person, I'm not sure what illnesses/disorders that leaves that WOULD be covered. The Safe Travels Elite (a fixed plan) and Safe Travels Comprehensive offers some coverage $25,000 or $15,000 for a cardiac issue. The Elite insurance, Elite Plus insurance, Elite 90 insurance,Premier Plus insurance and Premier insurance are cheaper per month if you purchase at least 90 days the first time you buy them. Hop! Mindoro Travel Assistance, Hop! WorldHopper, Hop! Travel Assistance For USA and Hop! TripAssist Plus offers medical assistance for pre-existing conditions.

While there will always be some risk involved while traveling and staying in the US, travelers do have travel insurance options for visiting the US. Compare US travel insurance for Canada and buy the plan that best fits your needs.

As ever, we wish you safe and happy travels!

The metropolitan area has large immigrant populations from Europe, India, China, Korea, Philippines, Japan, West Asia. Toronto is expectedly ranked as an Alpha global city according to Globalization and World Cities Research Network (GaWC).

Toronto along with Mississauga has a highly diversified economy ranging from financial services, technology, design, education, arts, fashion, service sector, environmental science, food industry and tourism. It is also the renowned centre for music, theatre, film and television production. Toronto is the headquarters to Canada's major Television broadcast networks and media outlets.

It has eclectic cultural institutions including museums, galleries, festivals, public events, entertainment districts, national historic sites, and sporting activities. Given all of this, it is no surprise that Toronto attracts over 25 million tourists each year. International travelers should however buy adequate travel health insurance while visiting the Toronto area.

Canadian health care is not available to Non Canadians and US citizens should have proper health insurance if forced to visit a Canadian healthcare facility. US based business travelers who travel to Canada often can buy the annual multi-trip travel insurance to supplement their domestic US health insurance.

This insures US travelers while outside the United States for the whole year, with each trip however limited for a fixed period of time depending on the annual plan chosen. Canadians traveling regularly to the United States can also buy the Annual multi-trip insurance plans as long as they have domestic health insurance in Canada.