Can a Canadian and US Resident Be On The Same Travel Insurance Policy?

My mother and I are traveling together. My main point of confusion is how to set up the insurance since my mother is a Canadian resident and I am a US resident. Do we need to purchase separate policies? Shannon

Thanks Shannon for the good question. You’ll need to get separate policies. That’s because each Travel Insurance Policy is filed with the Insurance Department in every US State or Canadian Province it’s offered for sale.

Generally, the plans are the same in all the States or Provinces they are sold, but sometimes there are subtle differences that could make a policy claim complicated at best. Or completely denied at worst.

Plus, not all policies are available to everyone. Of the 6 companies we offer, Canadians can only get three of the companies (CSA, Travel Guard & TravelSafe).