Your Canadian auto policy doesn't answer every question at the border.
Get a QuoteDriving to Florida or Arizona is a snowbird ritual — and it comes with a stack of insurance questions your regular auto policy doesn't answer. Your Canadian car insurance, your provincial health plan, and your travel insurance all have gaps at the border.
Most Canadian auto policies provide some US coverage, but liability limits matter. US states can require higher liability minimums than your province, and if you're at fault in a serious accident, the costs can dwarf your coverage. Consider a liability top-up.
Your provincial plan covers almost nothing south of the border. A fender-bender that sends you to a US ER can cost thousands. Your travel insurance is what covers you — not your auto policy's medical portion, which is typically minimal.
CAA covers you in the US through AAA reciprocity, but towing limits and distance caps vary. A long tow in rural Arizona or Florida can cost $500+ out of pocket if you exceed your plan's limits.
Your passport, insurance documents, a printed copy of your travel insurance policy, and the 24/7 assistance number. US hospitals will want to see your insurance before they treat non-emergency cases.
Make sure your medical coverage crosses the border with you — your auto policy won't cover a US hospital visit.
Get a Quote Learn more about snowbird coverageOne night in a Canadian ICU can top $14,000 — without coverage, that's on you.
Cost reality