Traveling to Canada for insurance question

bonniesoo wrote:
We are going to Canada this summer in our motorhomes. What do you do about your vehicle nsurance & more importantly what about health insurance. do we need to get trip insurance & will that cover our vehicles?

For medical insurance, you will either have to purchase out-of-country insurance IF you current medical insurance policy does not have it already.

It's important to understand the details on things like $$$ caps, pre-existing conditions and length of stays etc.

Don't leave home without something!! You may have perfect health but that means squat in the event of an auto accident.

In practice no one is going to ask for an insurance card unless you have an accident and then your US card has all the right info. If you're pulled over the mountie will ask but I've never heard of them not being OK with a US card. The worst you might get is being asked to send a copy along with your fine if you get a ticket. Unless you have some major illness that will mean you need to return to the US you'll find canadian clinics pretty reasonable for things like a sore throat, just pay as you go. It'll still be tax deductible wherever it happens. Now that Harper is gone we may get more reciprocal agreements in the near future.

enblethen wrote:
You need to get a Canadian insurance card from your insurance company. Most provide this at no expense.

x2. I called our insurance company and they sent a card good in Canada.
Sorry, can't help you with the health insurance. It is a good question.

You need to get a Canadian insurance card from your insurance company. Most provide this at no expense.

Check with your current vehicle insurer. Most US insurers will cover your vehicle with your current property and liability insurance while in Canada. However, your US proof of insurance card is not valid in Canada. Ask your insurer to provide you with a Canada Non-Resident Inter-Provincial Proof of Insurance card.

If you currently have roadside emergency service, that should be valid in Canada. Check with your service.

Most medical insurance is not valid in Canada. Medicare is not. You can buy medical insurance for your trip if you feel the need. Google will find you many sources. Do your own research.

Also, do your research about border crossings. Know what you need and what you can cross with (both ways) and what you can't.

Be smart, know before you go.