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Best travel insurance for snowbirds in 2024

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The term snowbird refers to travellers who flock to warmer, sometimes tropical climates, to escape the frigid winter months back home. These are often senior citizens or retirees. Snowbirds living part-time outside of Canada can face serious out-of-pocket expenses for their medical care.

Did you know that the average cost for treatment for a heart attack in the United States is $21,500? And that the hospital stay is an average of 5.3 days? Some patients may even end up paying upwards of $100,000 when surgery is involved.

If you are growing tired of spending winter months in Canada's bone-chilling cold and would rather spend your days with your toes in the sand, this guide will break down what snowbird insurance is, why you need it and the best plans currently available on the market.

Top 5 best snowbirds travel insurance for 2024

• Manulife: No deductibles on its snowbird travel insurance

Destination snowbird insurance: 5% discount with a travelling companion

• Tugo snowbirds travel insurance: Covers all ages
• Allianz snowbirds travel insurance: Pet and car return included

soNomad: the most affordable snowbirds travel insurance

Top 5 best travel insurance for canadian snowbirds.

You are ready to pack your flip-flops and golf clubs, and know you need snowbird insurance before you hop on your flight. Not sure which travel insurance provider to choose?

Popular private travel insurance providers in Canada include:

Manulife: no deductibles on its snowbird travel insurance

Manulife is a reknown insurer in Canada, offering several travelling plans, such as:

• Single trip emergency medical
• Single trip all-inclusive
• Trip cancellation and interruption
• Covid-19 pandemic travel plan

This Covid-19 additional coverage can protect you from unexpected emergency medical expenses related to the pandemic. This plan offers up to $5 million for non COVID-19 related expenses and up to $1 million for COVID-19 related expenses.

• Multi-trip emergency medical
• Multi-trip all-inclusive

Some of the best features of Manulife's travel insurance include:

• Complete and comprehensive options for all travellers' profiles.
• The published rates for all plans include a zero deductible.
• Manulife's plans are available from the age of 30 onward.
• Possibility to extend your coverage while you're on your trip (under conditions).

Destination's travel insurance offer for snowbirds is one the most, if not the most, complete insurance plans on the market . Destination will cover your emergency medical care up to $5,000,000 CAD and covers the following:

• hospitalization
• out-patient services
• prescription drugs
• emergency transportation

Destination's snowbird policy can be purchased after departure from home province , which is not a feature all insurers offer. And, amongst its other benefits, we can also mention:

• A Covid-19 coverage (under certain conditions)
• A discount of 5% on its single trip plan for anyone with a travelling companion.
• An insurance plan available until the age of 89.

On the other hand:

• Destination applies a smoking surcharge of 15% if you smoked or used tobacco products within 24 months prior to your departure date.

Tugo snowbirds travel insurance: covers all ages

TuGo is a licensed insurance agency in all Canadian provinces and territories. It offers several plans for Canadiant travelling outside of Canada:

• Emergency medical insurance (Multi and single trips)
• Trip cancellation and interruption or Trip interruption only (Multi and single trips)
• Accidental death and dismemberment insurance (Multi Trip Annual and Single Trip)
• Non medical package (Single Trip)
• All inclusive Holiday package (Single Trip)

Some of the benefits covered by TuGo are the following:

• Ambulance services and emergency dental services
• X-rays and other diagnostic lab tests
• Prescription drugs
• Vision care and hearing aids
• Return of your travel companion
• TuGo Telemedicine (in the US only).

Other TuGo features include:

• Possibility to extend your coevrage if you’re already away and decide to stay a bit longer.
• TuGo' emergency medical Insurance covers all ages.
• TuGo's medical insurance covers Covid-19-related medical emergencies.

Allianz snowbirds travel insurance: pet and car return included

Allianz travel insurance offers plans for snowbirds and long-term travellers. Its main benefits are the following:

• Emergency medical care (up to $10,000,000) and transportation
• Meals and Accommodation ($300/Day - Max. $5,000)
• Vehicle Return ($5,000): covers certain costs related to returning your vehicle or rental vehicle if a medical emergency prevents you from doing so.
• Pet return ($500): reimbursement for the cost of returning your pet(s) travelling with you.
• 24-Hour Assistance all over the world

On the downside:

• Allianz requires a medical questionnaire for travellers above the age of 70
• Allianz does not cover travellers above the age of 84.

soNomad snowbirds travel insurance policy covers the following:

• coverage for emergency medical care
• Covid-19 coverage at no extra cost
• coverage for pre-existing medical conditions
• wide range of deductibles to choose from
• annual multi-trip options
• no administrative fees for date changes or cancellations

Other benefits of soNomad travel insurance for Canadians snowbirds include:

• a coverage accessible to snowbirds of all ages
• best rates on the market (up to 25% saved on your plan's price)
• 24/7 emergency assistance
• possible to subscribe after departure

By far one of the best products currently on the market. Only downside to this insurance would be its highly digital user experience (not for all seniors' cup of tea!).

What is snowbird travel insurance?

Snowbird travel insurance is single or multi-trip travel insurance that covers seniors spending the winter months away from home in a warmer climate . The insurance covers unforeseen medical complications and new medical conditions that develop. Many snowbirds from Canada travel to warm parts of the United States, like Arizona, Florida or New Mexico. Others decamp to places like Mexico or Costa Rica. While Canadians are well-covered by provincial insurance plans and supplemental private health plans while at home, that is not always the case while away at a sunny Caribbean beach. Not only are seniors more likely to need medical care while away, but the cost of medical care is also on the rise every year.

Good to know

Pre-existing conditions and routine maintenance or preventive care are typically excluded from snowbird travel insurance plans, but there are exceptions. Some insurance companies will cover controlled and stable pre-existing conditions.

What does travel insurance for snowbirds cover?

Snowbirds insurance makes a distinction between:

• Single-trip snowbird insurance: It covers you for a specified trip duration assuming you only stay in one place during that time. Do not worry if you end up staying at your destination longer, most plans allow you to extend the dates of your trip.
• Multiple-trip snowbird travel insurance: If you plan to make multiple trips to multiple destinations, it may be cost-effective to purchase an annual multi-trip travel insurance plan. Keep in mind, you can take any number of trips. Note that coverage for each trip may be limited to 30 or 45 days, depending on the terms of the policy.

What is covered by snowbirds insurance

Travel medical insurance for snowbirds commonly covers the following medical expenses:

• Medical treatments
• Prescription medications
• Paramedics and ambulance rides
• Repatriation to Canada
• Emergency dental care

What is not covered by snowbirds insurance

• Snowbird insurance policies do not usually cover elective treatments. Those should happen before you leave or wait until you return to Canada.
• Pre-existing conditions are also rarely covered. Some plans do include this guarantee though. A quick comparison of the market's offers should help you identify them.

Does snowbird insurance cover Covid-19?

Many insurance companies have started offering Covid-19 travel insurance coverage, so it is entirely possible to get it covered with your snowbird travel insurance. It is important to note, however, that coverage varies greatly under these insurance policies.

Some companies are also offering a Covid-19 rider add-on that will cover costs associated with the virus. Other companies may exclude Covid-19 coverage depending on pre-existing conditions you may have.

If you have a trip coming up, we highly recommend reviewing the terms of your policy carefully. Stay up to date by calling your insurance company or broker before leaving.

How much does snowbird travel insurance cost?

Average snowbird insurance price.

Our team was quoted $527.70 for a standard plan for a 63-year old with no major illnesses or pre-existing conditions travelling outside of Canada for 62 days. Like with many standard private health insurance plans, prices depend on:

• policy maximums
• insurer, location
• duration of coverage needed.

Also keep in mind that if you are over the age of 59, a lot of companies will require you to complete a medical questionnaire.

Remember to answer the questions truthfully. Omitting underlying health conditions may disqualify you from getting reimbursed for care while outside of Canada. This can leave you responsible for paying a hefty medical bill all on your own.

5 tips to get the cheapest travel insurance for snowbirds

There are some easy steps you can do to try to save money on your snowbird travel insurance:

• Inquire about discounts . For example, some companies like Destination offer a 5% discount if you have at least one shot of the Covid-19 vaccines while other companies offer companion discounts if you book your insurance with your partner.
• Make an appointment with your doctor, dentist and optometrist to make sure you are healthy, before heading south. Treatment back home is easier to access and less expensive than while away. They can help you be sure you are not suffering from any surprise pre-existing conditions that could be excluded from your travel insurance policy or increase your premium.
• Make sure your prescriptions are up to date and get them filled before leaving.
• Check your coverage amounts. It is a good idea to have a minimum of $100,000 in coverage. Medical care is expensive, but you may not require the $5 or $8 million coverage that some plans offer. Lower coverage amounts will bring down your premium significantly.
• Compare online options! To do so, refer to our comparison tool at the top of this page and get free snowbirds travel insurance quotes.

How is snowbird insurance different from medical travel insurance?

At a glance, snowbird insurance and medical travel insurance may seem like one and the same. The lines certainly blur. In fact, many providers do not use the term snowbird. Snowbird medical insurance can be thought of as an unofficial type of travel medical insurance catering specifically to seniors travelling for a long time.

There are a few important distinctions:

Snowbird travel insurance policies are also usually better adapted to working within the US healthcare system

How long can snowbirds keep their health insurance while being away?

Each province has different rules regarding how long you can spend out of your home and also keep your provincial health insurance.

It is important to spent some time each year at home in order to maintain residency and access to provincial health plans.

Provincial minimum residency requirements are as follows:

Are you planning to get away this winter? Compare the best travel medical insurances for canadian snowbirds currently on the market by using our free comparison tool below:

Compare the best travel insurance plans on the market!

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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If i go to India for 5.5 months, from Toronto, Ontario, will I receive the OHIP Coverage while in India for emergency medical conditions and hospitalization?

Hi Asit, When travelling abroad, your OHIP coverage is limited. Doctor services, emergency inpatient and outpatient services are covered up to a maximum. Other services such as ambulance services are not. You can find more information about Out of Country coverage on the Government of Ontario website.

Have a nice day, The HelloSafe team

if you have a pre-existing condition and travel to another province in Canada does OHIP cover medical costs in the event you need medical care for pre-existing condition

Hi John, OHIP does not consider pre-existing conditions separately. As long as you have a valid OHIP card, every condition is covered, pre-existing or not. When you travel outside of Ontario, your OHIP card allows to to be covered for physician services and every services provided in a public hospital. However, your coverage of ambulance services, prescription drugs, assistive devices or home-care services do not follow you outside of Ontario. If you are away for more than seven months, you need to confirm you coverage before leaving by calling ServiceOntario to determine what you may need to do.

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Guide to snowbird travel insurance for Canadians (2024)

Snowbird travel insurance is a type of insurance designed for Canadians who go on long trips outside of their home province or territory. This type of policy is usually for older travellers, like seniors, because they are the main group of snowbirds.

What is snowbird travel insurance?

Why do snowbirds need travel insurance, how does snowbird travel insurance work.

• Do snowbird travel insurance plans cover pre-existing health conditions?

How much does snowbird travel insurance cost?

Which canadian insurance companies offer snowbird travel insurance, where to find the best snowbird travel insurance.

• How to get professional insurance advice

Every year, thousands of Canadians say goodbye to the Great White North as they embark on long trips abroad to escape the cold winter months. But, like many travellers, the topic of insurance may not cross these snowbirds’ minds until they’re on the plane. By then it may be too late.

Travel insurance is great for emergency expenses on shorter trips. But, what do Canadians rely on for peace of mind when they’re spending months abroad? This article will go into detail about how snowbirds can make sure they don’t have to pay a lot of money if they have an emergency while away from home.

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Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Snowbird travel insurance is a special type of travel insurance just for Canadians who go on long trips away from their home area. These plans mostly offer good deals for seniors because they are the main group of snowbirds.

One of the main differences between regular travel insurance and snowbird travel insurance is how long the plans last. Regular travel insurance covers shorter trips, up to 21 days away from home. But snowbird travel insurance can cover up to 212 days.

When buying a travel insurance plan, snowbirds can choose one of the following:

• Single-Trip Plan: Covers just one trip
• Multi-Trip Plan : Covers more than one trip taken within a year
• Top-Up Plan: Extends coverage if they stay away for longer

Did you know?

Canadian “snowbird” travellers are called that because they travel south away from Canada when it gets cold, just like some species of birds do. It’s an affectionate and fitting nickname!

What is a snowbird?

A snowbird is a Canadian who travels away from home to spend their winter months somewhere with a warmer climate. Most snowbirds are retired Canadian seniors. Some of the most common places snowbirds travel to include:

• The Caribbean

Snowbirds usually spend months living in a warmer country during the winter. Or, they may “hop” to a few different places before returning back home to Canada once the weather’s warmer.

Travel insurance policies can help snowbirds pay for unexpected travel expenses that may come up on their journey to or during their stay in countries with warmer climates. And snowbirds have special considerations to keep in mind:

1 Longer trips = greater risk

2 Older travellers are more likely to need health care

3 Medical expenses can be extreme away from home

Depending on how long you travel for, your government health insurance plan may even lapse, leaving you with no coverage at all. This means you would be paying out of pocket for any medical attention you need. And 212 days, or about 7 months, is a long time to not have any insurance.

Does OHIP cover snowbirds?

Yes, the Ontario Health Insurance Plan (OHIP) and other provincial health insurance plans can cover Canadian snowbirds in some cases. But it’s very limited coverage. They will only pay for a very small amount of your medical expenses if you get sick outside of Canada. Or they may not pay for anything at all. And, if you stay outside of Canada longer than the allowed number of months, it will stop covering you.

This is why the Canadian government says that any Canadian going on a trip — including snowbirds — should make sure they get their own  travel medical insurance plan . It’s the best way to avoid having to pay extremely high bills if you need medical care while away from home.

With snowbird travel insurance, you pay a fee ( premium ) to an insurance company and in return, they will help pay for costs that may come up if you have a travel emergency. As with most travel insurance , snowbirds customize their plan to fit their needs. They have to pick:

• Coverage amount (ex: $500,000, $1M – $5M, etc.)
• Coverage period (number of days)
• Deductible options (how much you would have to pay in an emergency before insurance kicks in)
• Type of coverage (ex: medical only, trip interruption /cancellation, or more)

They also have to meet certain requirements to get a travel insurance plan, which we’ll discuss more later in this article.

What does snowbird travel insurance cover?

Snowbird travel insurance usually refers to emergency medical travel plans that help pay for costs if you suddenly have to see a doctor or go to the hospital while you’re away from home.

But it can also cover emergencies that aren’t about your health. Snowbird travel plans can cover things like:

• Trip cancellation
• Trip interruption
• Lost or stolen baggage
• Emergency healthcare  (hospitalization fees, ambulance fees, etc.)
• Emergency dental treatment
• Prescription drugs
• Emergency evacuation
• Emergency repatriation of remains
• 24-hour travel assistance services
• Pre-existing medical conditions

What you’re covered for depends on the type of travel plan you get and who your insurance company is . You should check the policy wording before you buy a plan to make sure that it covers everything you need. Or, you should speak with one of our travel insurance specialists  so they can help you get the plan you need.

What does snowbird travel insurance not cover?

In general, travel insurance will not cover:

• Routine checkups
• Planned medical procedures
• Cosmetic surgery
• Planned dental expenses

Insurance companies will list anything they won’t cover in a section called “exceptions” in the policy wording. Be sure to carefully read this section or speak with an insurance advisor to find out what you are and are not covered for.

Do snowbird travel insurance plans cover pre-existing health conditions? 

Yes, snowbird travel insurance plans can cover pre-existing health conditions that are stable. This means the health issue must not have:

• Gotten worse
• Caused new symptoms
• Needed a new diagnosis
• Needed new treatment

Insurance companies also look at how long a pre-existing medical issue has been stable. Different companies have different rules about this length of time. They call this a “ minimum stability period ”. It means that they will only cover a pre-existing condition if it has been stable for at least that amount of time. It’s usually for 90-180 days.

Insurance companies do this because they want to be sure your medical condition won’t cause problems when you’re away for an extended period of time. This is especially for snowbirds, who may be away from home for months at a time.

Some travel insurance companies may not ask you to meet the minimum stability period. Others, like Tugo, may have a special plan for unstable pre-existing conditions coverage. But these types of policies may be rare and will likely be more expensive.

What do Canadians need to get snowbird travel insurance?

To be eligible for snowbird travel insurance plans, travellers usually have to be:

•  At least 55 years old
• A Canadian citizen or permanent resident
• Travelling outside of their home province or territory for between 90 to 212 consecutive days

But different types of travel plans can also have different rules. For example, if someone buys annual multi-trip insurance that covers more than one trip they go on in a year, the company may have rules about how many days can be covered for each trip. ( Learn more about annual multi-trip travel insurance )

Also, if you’re younger than 55, don’t worry! This is just a general rule for some travel insurance companies. Many other companies have travel insurance options  for anyone older than 18 days old! So, you likely have a lot of insurance choices for your travels even if you can’t get some companies’ specific snowbird plans.

You should find out the exact details of any insurance plan you may be interested in. Read the policy wording or speak with one of our expert advisors to find out what the requirements are and make sure you have adequate coverage for your trip!

Snowbird travel insurance rates depend on:

• Trip duration
• Destination
• Type of coverage
• Amount of coverage
• Deductible options

You can expect a snowbird travel insurance policy to cost hundreds. But the cost is well worth the peace of mind of knowing that you’re covered in case an emergency happens. And it’s still far cheaper than the hundreds of thousands in medical costs you could have to pay for emergency health care. The table below shows some costs from top providers.

How much does a snowbird travel insurance policy cost?

This is just an example, but keep in mind that prices can change based on the factors we mentioned earlier in this article. For instance, choosing higher deductible options would make your premium lower. Or getting coverage for $1 million instead of $5 million would also change the price. You might also be able to get a discount for travel within Canada.

You can easily get a snowbird travel insurance quote on PolicyAdvisor.com ! We have a free quoting tool that lets you customize your plan and see travel insurance options from more than 30 of Canada’s best insurance companies in less than a minute. Plus, you can call us or chat with one of our travel insurance specialists online if you want a professional to help you out.

Many Canadian insurance companies sell travel insurance that snowbirds can use when they travel for the winter. Only some companies have travel packages that are just for snowbirds, though. Some of these companies are:

✈️ Blue Cross

A lot of Canadians recognize Blue Cross. They’re known for their travel insurance plans, and they offer really good rates to seniors. Blue Cross’ snowbird plans cover up to $5 million in emergency medical expenses. And they cover stable pre-existing conditions.

✈️ Desjardins

Desjardins is another insurance company that a lot of Canadians know about. They’re mostly known for other types of insurance products, but they offer travel insurance too. Their travel insurance plans for Canadian snowbirds cover up to $5 million for medical emergencies.

✈️ Group Medical Services (GMS)

GMS may not be as well-known, but they’re a good travel insurance company. They can also give Canadian snowbirds up to $5 million for emergency healthcare coverage. GMS’ snowbird travel insurance plans cover stable pre-existing health conditions. And they let you extend your plan day-by-day if you need additional travel insurance coverage.

✈️ Medipac

Medipac is another Canadian insurance provider that covers stable pre-existing conditions and can cover up to $5 million for urgent health care for snowbirds.

Canadian snowbirds can find the best travel insurance policy for their needs at PolicyAdvisor.com ! The best snowbird travel insurance policy is the one that meets your specific needs and budget. And you can easily shop around for the perfect one on our website.

There are a lot of different factors to consider when choosing a plan, so it’s important to do your research and compare or speak with one of our expert advisors who can help find the plan that works best for you.

Travel Insurance Tip

You should get travel insurance before your trip start s and long before you’re even at the airport. Many snowbirds get their travel insurance as soon as they confirm their travel dates.

Can snowbirds get travel insurance through their credit cards?

Yes, Canadian snowbirds can get some form of travel insurance coverage  through their credit cards. Many travel credit cards now come with “perks” like travel insurance. But, we strongly advise Canadian snowbirds not to rely on this type of coverage.

Credit card travel coverage usually comes with a lot of rules about what’s not covered. Many of them also only cover you for a very short period of time, so they’re not a great choice for snowbirds who travel away from home for months. They can also have rules like only covering one person, or not covering anyone who’s older than age 65.

If any traveller has credit card travel insurance , they should use it but still get their own travel plan too. This will make sure they actually get the coverage they need. And this is especially important for snowbirds, since they travel so far away for so long, and since they may need something to cover health issues they already have .

Can snowbirds get travel insurance after leaving Canada?

Yes, it is possible to get travel insurance after you’ve already left Canada — but here’s why waiting until the last minute is not a good idea:

⚠️ You’ll have fewer options

⚠️ You’ll leave yourself vulnerable to mishaps

It’s always a much better idea to get your travel insurance before your trip starts and long before you’re even at the airport. A lot of snowbirds arrange their travel insurance right when snowbird season starts and they decide which dates they’re going to leave and come back.

When is it too late to buy travel insurance?

Generally speaking, it’s too late to buy travel insurance if you’re already abroad and an emergency is happening. So, you absolutely do not want to get to that point! Speak with one of our advisors to get a travel insurance quote and make arrangements ahead of time.

Do travel advisories affect snowbird insurance coverage?

Yes, travel advisories affect whether snowbird travel insurance will cover you or not. This is the same for any travel insurance plan . If there is a travel advisory against your destination of choice but you still go there, your insurance company won’t cover you.

Travel advisories are just one of the cases where travel insurance won’t cover you — these are called “exceptions”. There are other exceptions too. For instance, if you go on a trip even when your doctor has told you not to travel. In this case, the travel insurance company again won’t cover you. Check your policy to find out what all of the exceptions for your snowbird travel plan are.

Is COVID-19 covered under snowbird travel insurance plans?

Yes, most snowbird insurance policies cover emergencies related to COVID-19 . When the pandemic just began, there was some confusion about what would be covered and what wouldn’t. But most travel insurance companies quickly adjusted to include it in their plans. That means most travel insurance plans will cover unexpected costs related to COVID-19, like quarantine or medical treatments.

Read more about COVID-19 travel insurance coverage .

How to get professional insurance advice? 

If you need help finding the best snowbird travel insurance, or if you’re unsure about something, don’t forget that you have a free resource available in us! The friendly, licensed agents at PolicyAdvisor are here for you if you need support. Click the button below to schedule a call and speak to an advisor when it’s convenient for you!

• Snowbird travel insurance covers medical emergencies or other unexpected travel costs for Canadian seniors who spend months away from home
• Snowbirds have more reasons than others to make sure they're protected when they travel to warmer climates during the winter
• Some companies have special snowbird travel insurance packages, but many others offer standard travel insurance policies that can work for snowbirds' needs

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Last Updated: November 28, 2019

Standard Travel Medical Insurance Policy

• Annual Multi-Trip Plan
• Top-Up Plan

All-Inclusive Travel Insurance Policy

Trip Cancellation & Interruption Insurance Policy

Last Updated: November 28, 2019

Travel Insurance:

Manulife coverage is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company , a wholly-owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.* Manulife and the Block design are trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates under license. 

Blue Cross coverage is underwritten by Canassurance Hospital Service Association and/or Canassurance Insurance Company .*

* Certain terms, conditions, limitations, and exclusions apply, see policies for details. Some products may not be available in all provinces.

Home & Auto Insurance:

Home and Auto insurance is arranged by Canadian Insurance Alliance (2018) Inc. o/a HUB SmartCoverage (all rights reserved) and is underwritten by a number of Canadian insurers.

Home and Auto insurance is only available in Ontario and Alberta at this time.

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12 Reasons to Use Medi-Quote for Your Travel Insurance

Using a travel insurance broker could be the smartest decision you can make when travelling. Learn the Benefits of Medi-Quote

Sit Back and Relax, Our Client Portal Simplifies Travel Insurance!

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What Makes Us Different

Our TEAM approach is what sets us apart from other travel insurance companies.

Our TEAM Approach

Travel Insurance Brokers

Medi-Quote Insurance Brokers provide insurance for worry-free travelling with coverage tailored to your unique needs, plans and circumstances. We have a proud history of serving travellers, especially snowbirds in Central and Western Canada, as well as visitors to Canada, expats and students living abroad, through our offices in Winnipeg and Calgary. Learn more about us.

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CANADIANS TRAVELLING

We love making travel dreams come true. We’ll advocate with insurance providers on your behalf and match you with one of our unique products best suited to you.

• Snowbirds escaping winter
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Our expertise in insurance requirements and government regulations will ensure you’re covered and ready for arrival.

• Temporary foreign workers
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HEALTH & DENTAL COVERAGE

Get customized insurance coverage for medical expenses not covered under your Canadian Government Health Insurance Plan (GHIP).

• Self-employed workers
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We are brokers, which means we’re not tied to selling any one specific insurance option. This allows us to put your needs first. Our experienced travel insurance brokers will take the time to understand your health background and travel plans, then shop and negotiate on your behalf to make sure you’re covered for any eventuality.

Our biggest reward is hearing that our attention to superior, friendly service makes a difference to our customers.

With medi-quote, you’ll get the right health coverage for your specific needs..

At Medi-Quote, we believe that when it comes to insurance, there’s no such thing as one size fits all. As specialized brokers, we have access to travel insurance plans and rates that others don’t, so we can develop exclusive custom plans for every type of trip and traveller. We’ll make sure you get the best plan at the best price, so you can relax and enjoy your travels.

About Medi-Quote – By The Numbers

Number of insurance products we currently offer our clients, number of valued customers we have dealt with in the past 15 years, number of policies we issued in the past 10 years, number of quotes we provided to customers in 2022, medi-quote is here to help.

Whether you’re ready to discuss your best insurance options or have questions about our services, we’re ready to serve you online or by phone. Learn more about us .

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With Medi-Quote Insurance, you’ll never have to deal with confusing, impersonal call centres and systems. We personally respond to every call and make sure you always speak with someone who’s familiar with your unique circumstances. By staying in touch and informed about your health and travel circumstances, we can anticipate your needs today and in years to come. Learn more about us .

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Compare cheap  snowbird travel insurance quotes for free. 

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What our users say:

What is snowbird travel insurance.

Ah, Canadian winters. If you ski, they’re great but many of us try to escape the winter blahs, if possible. Those people are so-called snowbirds. And if you travel in winter (or any time, for that matter), you’ll want to investigate insuring yourself.

Snowbird insurance policies are designed for Canadians who choose to live in warmer climates for part of the year and who need broad medical coverage while they're away. In the event that some sickness or accident befalls you while you're down south, a robust snowbird policy will help protect you.

Not only will snowbird insurance pay for your medical expenses in a foreign country, but it'll also cover a variety of unfortunate travel situations, including trip cancellations or interruptions, lost or damaged baggage, and flight and travel accident expenses.

The main difference between regular travel insurance and snowbird travel insurance is the length of your trip. Most regular policies cover trips up to 21 days. Snowbird travel insurance is for much longer stays and can cover up to 212 days.

People, most often retirees, traveling to the US, to places like Florida, Arizona or California, already know that healthcare costs in those places can rack up bills into the thousands or even hundreds of thousands of dollars. Add to that the currency exchange to US dollars, and you’ll get sick all over again from the sticker shock of your hospital bill.

A good snowbird travel insurance plan will help you save money on those costs.

What does snowbird travel insurance cover?

Different providers offering snowbird travel insurance will have variations to their coverage, but most offer the following as part of their packages.

Medical Emergencies - This provides coverage for common and reasonable expenses incurred because of a medical emergency from an accident or sickness while you are away.

Prescription Drugs - Expenses for prescription medications are taken care of. In some cases, deliveries can be made directly to you from certain providers.

Trip Interruption/Cancellation - This generally covers you if a serious or unforeseen event forces you to cancel, modify, interrupt or extend the planned trip.

Lost/Stolen Baggage – Provides cover for delayed, lost, stolen or damaged baggage during your trip.

Emergency Evacuation/Repatriation - In certain situations, your insurance ensures emergency transportation back to Canada for treatment and care.

Stable pre-existing Conditions – Even if you are travelling with pre-existing conditions, most insurers will provide insurance. Some require a “stability period” where your conditions are not getting worse, cause new symptoms or require new medical treatments. Stability periods can sometimes range from 90 days to as high as 180 days.

Different types of snowbird insurance coverage

Like auto or home insurance, snowbird travel insurance comes in different forms with various types of coverage depending on your travel needs and how long you are traveling for.

Here are the most common types of snowbird travel insurance coverages offered by Canadian travel insurance providers.

Single-trip insurance: You might be a snowbird who only travels once a year. In that case, a single trip plan will be the best and most cost-efficient option for you.

Multi-trip insurance: Some people are lucky enough (and have the desire to) take multiple trips per season. In that case, choosing a multi-trip travel insurance plan will help you reduce cost risks while you are away from your home and native land. The good news is that you only need to pay for one plan at the beginning of your travels, rather than multiple purchases. You will still need to maintain your provincial health insurance and renew any expired health cards.

Travel health insurance: Snowbird travel insurance only covers unexpected medical costs like emergency hospital visits and surgeries. It will not cover any routine check-ups or pre-existing medical conditions. Travel health insurance will help cover your routine medical care abroad, so you won’t pay for anything out of your pocket.

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We ask only for the details we need to find you the best snowbird travel insurance quotes. Your personal information will never be given to a third-party.

There are perks to shopping for snowbird travel insurance with us. On top of getting the best rates, the process is quick — it only takes 3 minutes — and it's free.

Factors that affect your snowbird travel insurance quotes

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

Your age – the older you are the more of a risk you might be for getting sick or injured. Costs will vary depending on your age.

Trip duration – Shorter trips will cost less because the risk for a sickness or injury are diminished on a shorter trip.

Any pre-existing medical conditions – Many snowbird travel insurers will provide coverage for pre-existing conditions but will require a “stability period” where you are not getting sicker, showing new symptoms or requiring new medical treatments.

Any medications you take – Because snowbird travel insurers cover medical prescriptions, more expensive drugs may raise your costs.

The type of policy – There are different policies such as multi-trip or single-trip plans will cover, which can affect costs depending on how much coverage you need or take.

Whether you smoke or not – Smokers can expect to pay 15% to 30% more for snowbird travel insurance.

The deductible amount – Higher deductibles mean lowering premium costs up front but could mean higher costs when making a claim.

If it’s a single policy or a couples’ policy – Discounts are often applied to couples versus a single person taking out a 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.

Frequently asked questions about snowbird travel insurance

How much snowbird travel insurance coverage is enough.

It's smart to go with a snowbird policy that offers at least a few million dollars worth of coverage. Most snowbird policies range from $1 million to $5 million.

What's a stability period?

'Stability period' clauses apply to snowbird insurance applicants with pre-existing medical conditions. A 'stability period' is a predetermined amount of time stated in the policy where a medical condition reported by the policyholder must not have changed. These periods usually range from 7 to 365 days, depending on the specific condition and the insurer underwriting the policy.

How much does snowbird travel insurance cost?

Snowbird travel insurance costs vary depending on your trip length, age, pre-existing health conditions and various other factors. Different companies also offer different rates, which is why comparing travel insurance quotes is the best way to find the best rates.

Based on an analysis conducted on our internal data on snowbird insurance, we have found that a snowbird between the age group 55 to 64 years and no pre-existing health conditions, who travelled to the U.S. from January 2023-May 2023, paid an average premium of $535 for the travel period. Snowbird with pre-existing conditions, who travelled in the same duration, paid an average premium of $739 for the travel period.

My credit card has travel insurance benefits, why do I still need to buy snowbird travel insurance?

Some credit cards offer truly great travel rewards such as annual travel insurance, but often the limits on the coverage 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.

Does OHIP cover me when I travel outside of Ontario?

The Ontario Health Insurance Plan (OHIP) pays for most of your health care costs when you are outside of Ontario but still in Canada. OHIP only pays for some services when you travel outside of Canada, which is why it is best to top up with snowbird travel insurance when you leave the country.

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Snowbird Travel Insurance Explained

Snowbird Travel Insurance is essential for Canadian travelers seeking warmer climates during the winter months. With over 500,000 Canadians venturing south annually, this coverage safeguards against unexpected expenses, including medical emergencies, lost baggage, and illnesses. Ensure your policy includes provisions for medical evacuation and coverage for pre-existing medical conditions, providing comprehensive protection throughout your winter escape.

Tips to Save Money on Snowbird Travel Insurance

At Life Insurance Pro, we’re dedicated to helping you optimize your savings. The most effective method is to compare rates from various providers, a process that can be time-consuming. Fortunately, we streamline this for you. By requesting a quote online, we assess rates from all major Canadian insurers to help you save money on Snowbird Travel Insurance.

Comparing Rates

Don’t settle for the first policy you encounter; gather multiple quotes to secure the best price.

Bundle Coverage

Combine your Snowbird Travel Insurance with other policies, such as Health and Dental Insurance, for potential discounts.

Seek Discounts

Inquire with your provider about any available discounts, as they may have periodic offers you’re unaware of.

Avoid Extreme Activities

Note that most insurance providers may not cover injuries resulting from extreme sports. Clarify coverage limitations with your provider before engaging in such activities.

FAQ’s for Snowbird Travel Insurance

This FAQ section aims to provide even more valuable insight into the topic of Snowbird Insurance.

What is Snowbird Travel Insurance, and why do snowbirds need it?

Snowbird Travel Insurance is a specialized insurance policy designed for Canadian travelers who spend extended periods in warmer climates during the winter months. It provides coverage for medical emergencies, trip cancellations, lost baggage, and other unforeseen events, ensuring peace of mind during winter escapes.

What does Snowbird Travel Insurance typically cover?

Snowbird Travel Insurance typically covers medical expenses related to illness or injury, emergency medical evacuation, trip cancellation or interruption, lost or delayed baggage, and travel assistance services. Coverage may vary depending on the insurance provider and the specific policy.

How can I save money on Snowbird Travel Insurance?

You can save money on Snowbird Travel Insurance by comparing rates from multiple providers, bundling your coverage with other insurance policies, asking for discounts, and avoiding extreme activities that may not be covered by your policy.

Are pre-existing medical conditions covered under Snowbird Travel Insurance?

Some insurance providers offer coverage for pre-existing medical conditions, while others may have limitations or exclusions. It’s important to review the policy terms and conditions carefully and disclose any pre-existing conditions during the application process to ensure adequate coverage.

What should I do if I need medical assistance while traveling as a snowbird?

In case of a medical emergency while traveling as a snowbird, contact your insurance provider’s assistance hotline immediately for guidance and support. They can help you locate nearby medical facilities, arrange for medical evacuation if necessary, and provide assistance with claim filing and reimbursement.

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soNomad Travel Insurance Welcomes You!

We have the best rates on Travel Insurance in Canada with COVID-19 protection included at no extra cost. Save up to 25% with our exclusive products. Put Us To The Test!

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Heading south this winter? You can save up to 25% with our exclusive insurance products!

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What makes our Snowbird travel insurance soUnique? ‍

Travel insurance should be quick and easy! And most of all affordable! Our travel insurance is that and more. soNomad is a one-stop travel insurance shop for Snowbirds with lower fees and access to exclusive insurance products you won't find anywhere else. Our travel insurance is peace of mind for Snowbirds of all ages.

Why soNomad is the #1 choice for Snowbirds?

We've reinvented travel insurance for Snowbirds of all ages with an industry-first platform that uses advanced underwriting technology to quickly assess your application based on your needs.

On top of that, soNomad's commission is lower than that of traditional brokers. And we pass along these savings directly to you. Quickly and conveniently!

soNomad’s Snowbirds Medical Insurance benefits

We offer coverage for emergency medical care.

COVID-19 coverage at no extra cost.

Obtain coverage for your pre-existing medical conditions.

Choose from a wide range of deductibles.

Take advantage of our unique deposit option and guarantee your rates

Look into our annual multi-trip options and lock in even more savings

We charge no administrative fees for date changes or cancellations

Snowbirds Emergency Medical Protection

Our emergency medical products include the following benefits and much more.

Emergency Medical

24/7 emergency assistance, air ambulance, hospitalization, faq’s snowbirds travel insurance.

Our deposit option gives you the advantage to guarantee and lock in your rate today and avoid any increases or changes in premium. With a small amount, not only do you lock in your rate for upcoming travels, but you can also benefit from our no administrative fees for date changes or cancellation fees should you cancel your trip

Yes, all our programs offer COVID-19 coverage provided that no symptoms have appeared before your departure date and that you answer the stability requirements in the policy.

Medical insurance coverage begins at the date and time you leave your province or territory of residence. If your travel insurance coverage includes cancellation and trip interruption benefits, the effective date will be the date of your purchase. Therefore, between the date of purchase and prior to your departure date, you will be covered for events that could lead to cancelling your trip.

Our products will allow you to subscribe after leaving your province or country of residence. In this case, any sickness that manifests during the waiting period after the effective date is not covered, even if the related expenses are incurred after this period. It is recommended you always purchase your insurance prior to your departure from your province to avoid limiting your benefits.

In the event of a medical emergency during your stay, you must contact emergency assistance listed on your travel insurance card before seeking care. A traveler who does not contact emergency assistance prior to receiving treatment may have his coverage reduced or limited. In the event that you cannot contact emergency assistance prior to receiving treatments, you can ask someone to call for you, or call as soon as it is possible.

Yes, our exclusive product plans provide coverage for pre-existing medical conditions , as long as you meet the eligibility and stability requirements. Our easy to use state of the art medical declaration tool was developed to simplify the underwriting process and guarantee coverage for your preexisting medical conditions.

In the event of an early return , you can request a refund for the unused portion of your insurance premium. You must not have made any medical claims or have any pending claims that will be forwarded to the insurer. For an early return to be valid, you must have returned to your province of residence.

A change in medication or health can affect your eligibility to the policy. You must contact us to update your medical declaration. This will help us determine whether you are still eligible for this policy or not. This can also affect certain exclusions and possible premium adjustments.

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