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Snowbird Vacation, Trip & Travel Insurance

Last updated: 22nd June 2023

When it comes to choosing travel insurance for your next snowbird vacation, there are a few key things to keep in mind. Firstly, you'll want to make sure that your policy covers you for the entire duration of your trip. This is particularly important if you're planning on a longer stay, as you don't want to find yourself without coverage midway through your holiday.

Secondly, it's essential to consider what type of coverage you need. You'll want to ensure that you have adequate coverage for any potential injuries. Additionally, you may want to consider coverage for trip cancellation or interruption, in case unforeseen circumstances prevent you from travelling.

Of course, budget is always a consideration when choosing travel insurance. It's important to find a policy that offers the right level of coverage for your needs, without breaking the bank. This is where our handy comparison tool comes in - simply enter some basic information about your trip, and we'll show you a list of policies from leading insurers. From there, you can compare coverage options and prices to find the perfect travel insurance for your snowbird vacation.

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What is a snowbird?

For many Canadians, winter is a time to escape the bitter cold and snow at home and travel to warmer climes. They yearn for somewhere warm, preferably with swaying palm trees and a stunning beach in sight. Who wouldn't want to enjoy a tropical paradise while their hometown is buried under layers of snow?

These winter travellers, affectionately referred to as ‘snowbirds’, typically travel for extended periods to escape the harsh winter months. They often spend weeks or even months away from home, soaking up the sun and enjoying the tropical breeze. And while it’s wonderful to escape the winter, many people don't realize the amount of planning that goes into taking care of all the details beyond selecting a tropical region to temporarily relocate to.

Having the right snowbird travel insurance coverage for your vacation is an important consideration. It can help ensure your peace of mind while you're away and protect you from unexpected events that could spoil your stay. So, don't forget to pack your suntan lotion, your swimsuit and your snowbird travel insurance policy before you head off into the sun!

What to consider when choosing a snowbird travel insurance policy?

At Compare Your Travel Insurance, we believe that every snowbird is unique, with different travel insurance requirements that reflect their individual needs and holiday preferences. Whether you're taking a short break or an extended trip, it's essential that you have the right coverage to protect you from unexpected events and emergencies that could arise while you're away.

When choosing a policy, here are some key things you'll want to consider:

  1. The duration of your trip - when selecting a travel insurance policy, it's important to consider the duration of your trip. You'll want to make sure that your policy covers you for the entire length of your stay, including any potential delays or changes to your itinerary. This will ensure that you are fully protected and can enjoy your travels with peace of mind.
  2. The type of coverage you need - it's important to assess the type of coverage you require. Are you looking for emergency medical coverage in case of unexpected illness or injury while abroad? Or perhaps you're more concerned with trip cancellation or interruption coverage to protect your investment in case of unforeseen circumstances such as flight cancellations or natural disasters.
  3. Coverage for pre-existing medical conditions - it's important to consider coverage for pre-existing conditions. Do you have any health issues that require ongoing or future treatment? If so, you'll want to ensure that your policy includes them. Whether it's asthma, diabetes, or any other pre-existing condition, having the necessary coverage can give you peace of mind and protect you from unexpected medical expenses.
  4. Your budget - remember that the cheapest policy might not always be the best option. You want to find a policy that not only fits your budget but also meets your specific needs. Take the time to research different policies and compare the coverage and benefits they offer. By doing so, you can ensure that you're getting the coverage you need without breaking the bank.

To ensure you have the best coverage that meets your specific needs, it's essential to compare policies and take note of any differences. Some policies may offer additional benefits like emergency evacuation coverage, while others may have specific limitations or restrictions. Taking the time to research and compare policies can help you make an informed decision and give you peace of mind while enjoying your time away as a snowbird.

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Why is duration an issue?

Your travel insurance coverage is effective for the entire duration that you are a resident of Canada and while you have valid provincial health insurance coverage. It’s important to note that your home province imposes limits to ensure that you still qualify as a resident to be covered under the government’s health insurance plan. For example, some provinces allow you to be absent for a total of 182 days or 212 days in a calendar year.

Before purchasing travel insurance, be sure to check your province's regulations regarding absence limits. Additionally, it's important to note that you should get a quote for travel insurance that will cover the specific time that you will be away from your home province. This is especially important if you are planning multiple trips to and from your home province, as you will need travel insurance protection for each specific trip. However, you may be eligible for an annual multi-trip policy where the trips you’re taking fall within the duration of coverage, such as a 4-day annual plan.

What do you mean by a pre-existing condition?

A pre-existing condition is a medical condition you've been diagnosed with or treated for before taking out travel insurance. Travel insurance comes into play in the event of an unexpected medical emergency, providing you with protection.

It's crucial to know your health and what your policy covers, especially if you're travelling for an extended period, such as a snowbird. Many travel insurance policies offer coverage for specific pre-existing conditions, provided they've been 'stable' for a fixed period before your departure. This duration is typically termed as the stability period and may be measured by changes in medication, flare-ups, changes to the condition, new or worsening symptoms, hospital visits, new tests, amongst other indicators.

Tailored coverage for pre-existing medical conditions is also available. Medically-underwritten policies provide more comprehensive protection for individuals with complex medical histories, accounting for the unique circumstances of each applicant.

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Can I get coverage for pre-existing conditions online?

At Compare Your Travel Insurance, we understand how important it is to get the right coverage for your pre-existing health conditions. That's why we offer coverage for certain pre-existing conditions that may not have been stable within a standard policy's stability period.

If you're aged 60 or over, you can easily declare your pre-existing condition(s) through our user-friendly online medical questionnaire. This will help us offer the best coverage for your situation, giving you peace of mind as you travel.

Gone are the days of filling out complicated paper forms or waiting for your travel insurance provider to give you confirmation of coverage. In just a couple of minutes, you can compare plans from our panel of providers and find the best coverage for you. With Compare Your Travel Insurance, you can travel with confidence, knowing you have the right coverage for your needs.

Understanding Pre-Existing Medical Conditions

We recommend reading our Ultimate Guide to understanding all about pre-exisitng medical conditions, medical screening, and their impact on your travel insurance. Jump in now to learn more.

Find out more

Why do I need to tell you about my pre-existing health conditions?

Travel insurers are there to provide peace of mind for your trips abroad. To ensure that you are fully covered, it is important to disclose any pre-existing medical conditions when taking out travel insurance. This will allow insurers to offer you coverage without a stability clause, meaning that if you require medical assistance whilst abroad for a pre-existing condition you have declared, you can rest assured that you'll be covered under your plan.

By telling your insurer about all your pre-existing medical conditions, you can enjoy your travels with the knowledge that you're fully protected and have access to the medical care you need if anything unexpected happens.

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What pre-existing conditions do I need to tell you about?

When you apply for a quote online, we will ask you some questions about your medical history to determine if you need to inform us about any pre-existing health conditions. This is because it is important for us to know your medical history in order to provide you with the most accurate quote possible.

If you have any pre-existing conditions (or have had them in the past), we will likely ask you about the different medications you are taking, if you have ever been hospitalised, and when your condition was first diagnosed. This information helps us to better understand your current medical situation and provide you with the most appropriate coverage.

Rest assured that all information you provide us is kept confidential and is only used to determine your eligibility for coverage. So, don't hesitate to be honest with us about your health history, it can make all the difference in getting the right coverage for you.

Compare snowbird travel insurance

We've made every effort to streamline the process of obtaining coverage for snowbirds, ensuring your experience is as effortless as possible. With our intuitive travel insurance comparison tool, you can quickly compare quotes from multiple insurance providers in one easy-to-use application.

Our platform leverages cutting-edge technology to provide you with the most comprehensive coverage options, tailored to your unique needs. Whether you're travelling for a short getaway or an extended stay, our coverage solutions will give you the peace of mind you need to enjoy your travels to the fullest.

So why wait? Plan your next adventure with confidence, knowing that we've got you covered every step of the way.

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If you are planning on making several trips a year, then an annual multi-trip plan could save you time and money. It is worth comparing coverage and rates.

Healthcare in other countries can be very expensive, especially in the United States. A simple emergency room visit can cost someone a few thousand dollars without health insurance. More severe reasons for conditions could cost hundreds of thousands. 

Emergency medical coverage is the benefit of the policy related solely to those medical expenses, such as the doctor’s visit, hospital stay, prescriptions, ambulances – essentially any item related to your medical event. Items such as baggage loss or trip cancellation would not be covered under this benefit.

An all-inclusive coverage bundle provides additional coverage on top of emergency medical expenses with benefits such as baggage loss/delay and trip cancellation/interruption.

Some standard policies may provide limited coverage for COVID-19 based on the Government’s travel advisory levels. There are some policies that offer specific coverage for COVID-19 should the Government have a travel advisory in place to limit travel due to COVID-19. It’s always important to review your policy’s terms and conditions.

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Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, having worked with some of the worlds largest insurers. Tommy’s primary focus has been developing the best possible online experience for travellers looking to compare travel insurance rates. Music and travel are two of Tommy's greatest interests, and even better when he can combine the two together!


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