If You Plan to Drive Into Canada, Make Sure You Have Proper Proof of Insurance (2024)

If You Plan to Drive Into Canada, Make Sure You Have Proper Proof of Insurance (1)

If you intend to drive a motor vehicle in Canada you will need to make sure and bring more than just your passport. Canadian law requires U.S. citizens driving into Canada to provide proper proof of motor vehicle insurance.

The good news is that both your IMT Insurance Policy includes Canada as part of your coverage territory. While in Canada, your personal auto policy will provide you with the same coverages and limits you have while operating your vehicle in the United States. Also, if you are involved in an accident in a state or province that requires higher liability limits than the limits currently on your policy, you will automatically be provided with the higher limits specified by law.

Unfortunately, standard motor vehicle insurance cards are not accepted as proof of insurance by Canadian authorities. To demonstrate proper proof of insurance, contact your local agent and request a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card. Your IMT Insurance agent will be able to mail this document to you.

While driving in Canada, keep the Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card with you at all times. If a Canadian law enforcement official determines you do not have the proper proof of insurance, you are at risk of being fined or having your vehicle impounded until you can display the proper proof of insurance.

This article represents a brief summary of coverage and is not intended to be a precise statement of Canadian law pertaining to non-resident drivers in Canada. Review the actual policy for additional details on coverages, terms, limits, conditions, and exclusions.

If You Plan to Drive Into Canada, Make Sure You Have Proper Proof of Insurance (2024)

FAQs

If You Plan to Drive Into Canada, Make Sure You Have Proper Proof of Insurance? ›

Unfortunately, standard motor vehicle insurance cards are not accepted as proof of insurance by Canadian authorities. To demonstrate proper proof of insurance, contact your local agent and request a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card.

Does Canada Border check car insurance? ›

Children under the age of 16 should have proof of identity and citizenship, like an original birth certificate or citizenship card. The Canadian border patrol may also ask for proof of insurance if you're driving in Canada.

Does my US car insurance cover me in Canada? ›

U.S. car insurance covers you while driving in Canada, even with a rental car. Make sure you talk to your insurance company before your trip, so you have the proper documents.

What is proof of insurance in Canada? ›

This document, commonly known as a pink slip or pink card, is proof that you have a current and valid auto insurance policy that meets your province's minimum liability requirements. The document will provide details of your policy, so whoever is checking it can verify the information.

Can you use American health insurance in Canada? ›

US government health plans such as Medicare, Medicaid, Tricare, and the State Children's Health Insurance Program will not pay for health care while in Canada. This includes treatment such as hospital visits and the supply of prescription drugs.

Do I need to show proof of insurance to enter Canada? ›

If you intend to drive a motor vehicle in Canada you will need to make sure and bring more than just your passport. Canadian law requires U.S. citizens driving into Canada to provide proper proof of motor vehicle insurance.

Do you need proof of car insurance to get into Canada? ›

In addition to your license, you will need proof of auto insurance; check with your insurance company before your trip to verify that your coverage extends to Canada. Depending on which province you're visiting, you'll want to familiarize yourself with the local driving laws.

Does my AAA insurance cover me in Canada? ›

Does AAA work in other countries? Roadside services are available to AAA Members in Canada and many other parts of the world. Visit the website of the AAA-affiliated organization in the country you're planning to visit for information about coverage and benefits.

What car insurance do I need to drive in Canada? ›

It's also worth confirming that all your coverage transfers to Canada: liability, collision, and comprehensive (if you have it). If your visit to Canada will extend beyond 90 days — or if you're moving to Canada — you should purchase a Canadian car insurance policy.

What do I need to drive my car into Canada? ›

Road Trips and Border Crossing by Car

Americans will need to present a valid U.S. passport or other acceptable form of identification upon arrival to the country. It is also advised to keep your car registration documents available in case requested by the border patrol.

Can you show proof of insurance on your phone in Canada? ›

Pink slips – they're easy to lose, annoying to replace, and mandatory for drivers in Canada. Now there are more options for drivers in Ontario. The Government of Ontario recently approved the use of electronic proof of insurance, meaning drivers can now carry their pink slips in a digital format on their smartphone.

Can I drive in Canada with a US license? ›

When visiting another country as a U.S. citizen: Your state driver's license is valid while driving in Canada and Mexico. In other countries, you may need to get an International Driving Permit (IDP) for foreign drivers.

Is a digital copy of insurance valid in Canada? ›

Having e-proof of insurance is legal. In fact, the Highway Safety Code requires vehicle owners have mandatory insurance, although it doesn't prescribe what form such proof must take. Paper or e-format? It's your choice.

Do I need extra health insurance to travel within Canada? ›

Not all Medical Expenses are Covered by OHIP

The fact is provincial health insurance plans will only cover some medical expenses. Therefore, you should always protect yourself by purchasing medical insurance when travelling within Canada.

Does Canada accept American Medicare? ›

Healthcare services received beyond U.S. borders are not covered. Medicare may cover inpatient hospital costs, ambulance services or dialysis for the following circ*mstances: You are in the U.S. when emergency treatment is needed and the closest hospital is in a foreign country (e.g., Canada or Mexico).

What happens if an American goes to the hospital in Canada? ›

If during your visit to Canada you get sick or injured, the Canadian government won't pay for any hospitalization or emergency medical services for visitors. Also, if you don't have proper medical insurance coverage, you will be liable to pay for any medical service out of your own pocket.

Do you need car insurance to cross Canada border? ›

Driving in Canada with an American car insurance policy (and vice versa) is legal. You'll need proof of insurance, a valid driver's license, and a passport (or an approved alternate proof of citizenship) to drive across the border.

Does Border Patrol ask for car insurance? ›

If you are driving and are pulled over, the officer can require you to show your license, vehicle registration and proof of insurance, but you don't have to answer questions about your immigration status. Customs officers can ask about your immigration status when entering or leaving the country.

Does Canadian border check vehicle registration? ›

Border crossing checklist

The travel documents and identification requirement you need to keep with you include: A valid driver's license. A current passport for everyone in the vehicle. Vehicle registration.

Does US border check car insurance? ›

If you're driving to the US in your own car, you'll also need to provide proof of vehicle ownership if asked by CBP officers. Always have your vehicle registration and insurance papers handy, or your rental agreement if you're using a hired car.

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