How much is travel insurance to Las Vegas?

Las Vegas is one of the easiest short getaways from Ontario, and because trips are often just a long weekend, many travellers skip insurance. That is a mistake — not because Vegas is dangerous, but because it is in the United States, where even minor care is expensive.

Why a weekend still needs coverage

American hospitals charge at full retail rates and offer no public safety net for visitors. An emergency-room visit for something as ordinary as chest pain, a fall or food poisoning can run into the thousands before any treatment begins, and an admission or surgery can reach tens of thousands of US dollars. The length of your trip reduces the premium you pay, but it does nothing to reduce the size of a potential bill. A two-night trip is inexpensive to cover precisely because it is short — there is little reason to go without.

What drives the premium

Your premium depends on four things: your age, the trip length, the coverage amount you choose, and your health, including any pre-existing conditions. A healthy younger traveller on a weekend pays only a few dollars for the whole trip. Older travellers, longer stays and higher limits cost more. If you cross the border several times a year — for shopping, shows or sports — a Multi-Trip Annual plan often beats buying separate policies each time.

The OHIP gap

OHIP covers almost nothing outside Canada and never pays a US hospital up front. Ontario ended most out-of-country medical coverage in 2020, so any reimbursement is a small fraction of a Nevada hospital bill. Emergency medical travel insurance is what stands between you and the full amount, and our 24/7 assistance can coordinate directly with US hospitals, which typically require a payment guarantee before admitting a patient.

Keeping the cost down

Match your policy to your exact dates, pick a deductible you’re comfortable with, and compare an annual plan if you make multiple US trips a year. The coverage amount is the one place not to cut corners, since the rare large bill is the entire reason to carry the policy.

A note on the trip itself

Pool parties, desert excursions, hiking at Red Rock or day trips to the Grand Canyon are common Vegas add-ons. Most are fine under a standard plan, but if you book anything higher-risk — an ATV tour or a helicopter adventure — check whether our optional Sports & Activities coverage applies.

How a US claim works

US hospitals bill at full retail and often want a guarantee of payment before treating a patient. If something happens, call our 24/7 assistance line as early as you can — the team can liaise with the hospital, arrange payment where the policy allows, and point you to an appropriate facility. For anything you pay yourself, keep every receipt and medical record, because claims are settled against documented costs.

Buy before you go, and declare your health

Your policy needs to be in place before you leave Canada — you can’t buy emergency medical coverage after a problem starts. If you manage an ongoing condition, coverage generally depends on it being stable for a set period before departure. There’s no age limit and no medical questions under 60; travellers 60 and over complete a Medical Questionnaire that sets the premium, not eligibility. If you’ve booked expensive shows, concerts or events, you might also weigh our optional Trip Cancellation & Interruption coverage, which can refund eligible prepaid costs if a covered reason stops you from going.

Get a quote for your exact dates and age to see how little a short trip costs to cover, and compare an annual plan if you are a frequent border-crosser.