Get Snowbird Travel Insurance

Some of the factors that determine the cost of your snowbird travel insurance premiums include:

• Your age
• Trip duration
• Any pre-existing medical conditions
• Any medications you take
• The type of policy
• Whether you smoke or not
• The deductible amount
• If it’s a single policy or a couples’ policy
• The destination (generally this doesn’t have the biggest impact, but some insurers offer different rates if the destination is in the United States due to the high costs of healthcare in the country)

The best travel insurance for you is the one that provides you with the coverage you need at the premium you can afford. If you have a pre-existing health condition, it is especially important for you to examine the policies carefully to ensure you’re adequately covered while you’re away.

As with other types of insurance, snowbird travel insurance policies should be reviewed carefully and compared according to your individual needs. Every policy has its own terms, and you need to find the one that offers you the right coverage and meets your travel and health requirements. Rates.ca lets you see multiple quotes at once so you can easily find the best coverage for you.

Yes. Just because you have a pre-existing health condition doesn’t mean you can’t get travel insurance. Some insurance providers offer policies with features such as reduced stability periods for any (pre-existing) medical condition that is not stable. Some policies also have supplemental (or secondary) riders that can be purchased to add additional coverage for pre-existing conditions. Although it can cost more when you have a pre-existing health condition, the best travel insurance will provide you with some level of coverage that supports your condition.

Depending on the provider, some conditions may not be covered even if your condition has been stable for some time. When you’re comparing travel insurance quotes, don’t just look at the price. Pay attention to the policy coverage and ensure you understand any exclusions or limitations of the policy.

Snowbird travel insurance policies typically range from $1 million to $5 million in coverage. The more coverage you purchase, the more at ease your mind will be given how expensive hospitalizations outside of Canada can be. When purchasing your policy, some of the things you’ll want to look for include:

• Emergency medical care
• Hospitalization and other professional fees for emergency medical treatment
• Emergency repatriation
• Emergency dental
• Transportation and expenses related to your hospitalization
• Adequate coverage for pre-existing medical conditions, if available

Medical repatriation coverage protects you in the unexpected event you need to be evacuated back home due to a medical emergency. The costs of repatriation can be shockingly high depending on your condition and the distance back to Canada. Many policies may or may not cover these services, so it is important to read the fine print and ask your provider any questions if this type of coverage is important to you.

Yes, if you choose a multi-trip or an annual travel insurance policy, you will be covered for multiple trips. An annual travel insurance plan provides coverage for a number of trips taken over the course of a year. This is great if you are travelling more than twice in one year. Buying a multi-trip insurance plan is the not only convenient, but also cost-effective.

Generally, if you are planning to be away for the snowbird season without returning to Canada, you would likely only need a single trip plan.

Some credit cards offer incredible travel rewards such as annual travel insurance, but often the limits on these included coverages require you to top up your travel insurance to ensure you’re adequately protected. If you’re not sure, talk to your credit card provider so you can understand exactly what you are covered for and for how much.