With Black Friday just around the corner, Canadians are preparing to flock to the United States for a weekend of bargain hunting. But as the rush to snag discounted gadgets and clothing builds, experts are sounding the alarm on an often-overlooked risk: the financial consequences of a medical emergency during even the shortest of trips.
A recent analysis by InsureMyTrip.ca reveals just how expensive healthcare can be across the border. A single day in a US hospital could cost Canadian travellers anywhere between $2,000 and $5,000, depending on the state. These figures exclude additional expenses, such as ambulance rides or diagnostic tests, which could push the total much higher.
For example, hospital stays in Washington and New York average over $5,000 per day, while even lower-cost states like Montana still approach $3,000 per day.
This makes travel medical insurance a crucial safeguard. Without it, Canadians risk facing overwhelming expenses, as provincial health plans typically offer limited coverage abroad, leaving travellers to shoulder the bulk of the costs. Emergency medical coverage ensures that unexpected health issues don’t result in financial strain.
Canadians planning longer stays or overnight trips are also encouraged to consider comprehensive travel insurance. Such policies extend protection to include issues like lost baggage and trip cancellations, offering a layer of security beyond medical emergencies.
“While the trend of Canadians driving across the border for day or weekend shopping trips continues to rise, it is important to be aware of the potential risks and costs associated with unexpected medical emergencies and other travel issues,” InsureMyTrip.ca said.
“Insurance provides vital protection against the financial burden of medical care, allowing travelers to focus on enjoying their shopping experiences without unnecessary worry.”
