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Flying south for the winter? Get covered with snowbird travel insurance
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What is
Snowbird Travel Insurance?

Many Canadian “snowbirds” flee the frigid north and opt for a sunny beach instead. You deserve a warm, sunny, and fun vacation. Get snowbird travel insurance today and make sure you’re covered no matter where you go. That way, you can enjoy your trip without stress.

Snowbird travel insurance protects you from the potential out-of-pocket expenses if you were to lose your baggage, become ill or injured, and more. Having a plan in place gives you peace of mind knowing that your provider will handle a portion or all of these costs.

What is a snowbird?

A snowbird is someone who travels to warmer climates when the weather turns cold in their home country. They are also referred to as “seasonal travelers” To escape the snow and frigid air, many Canadian snowbirds head south in search of beaches and sunshine.

When things get chilly, you may feel an urge to travel south for some warm, warm weather. You’re not alone. Over 500,000 Canadians travel south in the winter to escape the snow and otherwise dreary weather.

Doesn’t my provincial health insurance plan cover me?

Not necessarily. Even if you are a Canadian and have government health insurance, coverage may be limited outside of your province (up to 7 months).

Also, the amount of medical expenses accrued while outside of Canada may end up being well above your coverage limit. These costs could add up to hundreds to hundreds of thousands of dollars. You’ll want to have a snowbird travel insurance policy in place to make up the difference.

What should my snowbird insurance cover?

Your snowbird insurance should cover your medical evacuation to Canada or another place that offers appropriate medical care. You could also find an insurance provider that covers your pre-existing medical conditions if you suffer from some.

Find the Right Snowbird Travel Insurance in Minutes

Buying snowbird travel insurance at the last minute? No worries! With Insurdinary, you can get quotes, compare plans, and sign up for coverage – all in a matter of minutes. Find the right insurance coverage for your travel needs.
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Escape the Cold and Be Prepared withthe Best Snowbird Insurance

If you’re planning a trip away, you deserve to have comprehensive snowbird travel insurance you can afford.

Insurdinary partnered with Canada’s top snowbird insurance providers to help you find the best insurance plans and rates available.

All you have to do is to enter your details and you will receive personalized quotes directly in your inbox. Compare quotes and find the right one for you, your family, and your travel needs.
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How to Save Money
On Your Snowbird Insurance

Looking for cheap snowbird insurance? Whether you need snowbird medical travel insurance, trip cancellation insurance, or multi-trip insurance coverage, you deserve a plan that offers the benefits you need at a price you can afford.
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Here are some tips to save money on your insurance.

Compare Rates

Don’t sign the first snowbird insurance you see. Get multiple quotes and compare them to make sure you sign one that offers extended coverage at an acceptable price.

Go For Coverage Bundles

Some insurance providers offer discounts if you sign multiple insurance policies. Try to bundle your snowbird insurance and health/home insurance to get a better price for both.

Ask For Discounts

Insurance providers might offer periodic discounts you’re not aware of. Ask your provider if you could receive a discount for your coverage. You never know!

Don’t Go For The Extremes

Most insurance providers won’t cover your medical costs if you get injured while practicing extreme sports. Ask your provider what you’re allowed to do while you’re away.

Types of Snowbird Travel Medical Insurance

Snowbird travel medical insurance covers you when you become ill or get injured abroad. It typically covers anything that is “medically necessary”, like emergency hospital visits, medication, tests, and surgeries. It typically does not cover pre-existing conditions and routine checkups.

You’ll have to have some sort of policy in place to ensure that you are protected while traveling outside of Canada. Otherwise, you may be unexpectedly hit by a high medical bill if you become sick or get in an accident during your snowbird vacation.

Trip Cancellation Insurance

In addition to medical expenses, you’ll want coverage for travel-related issues as well. These include trip cancellation, delays, and lost baggage. This type of insurance protects you from the costs of having to cancel or postpone your trip.

Trip cancellation insurance can often cover the costs of late cancellation fees, non-refundable tickets, lost reservations, tour expenses, and more. With the right plan, you won’t have to cover these expenses out-of-pocket – your only expense will be the cost of your insurance.
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Multi-Trip Travel Insurance

If you are taking multiple trips outside of Canada, then it’s worth considering the multi-trip travel insurance option. You can usually purchase a year pass that covers multiple trips (with some limitations).

A huge benefit of this type of insurance is that you won’t have to buy insurance each time you leave the country. You can get a long-term, affordable plan that covers multiple trips throughout the year. Note that you do still have to maintain your provincial health insurance.
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Travel Health Insurance

Your Canadian health insurance might not cover your medical fees when you’re outside of Canada. Foreign hospitals bills can be expensive and may require cash payment. In some countries, hospitals and clinics might not treat you if you don’t have enough money or insurance to pay the bills.

Travel health insurance covers your medical care abroad so you won’t have to pay out of pocket.
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Baggage Insurance

You won’t be able to enjoy your time abroad if the airline loses your checked baggage. You risk losing essential and valuable belongings that you need for your trip. And on top of that, you also have to spend a lot of money on new clothes, shoes, toiletries, etc to use while you’re away.

Baggage insurance can help if your baggage is delayed or lost. If your baggage is delayed, the insurance can cover the costs of essentials you’ll need until your belongings find their way to you. If your baggage is lost, the insurance can cover the value of its contents as well as the cost of the luggage cases themselves.
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Protect Your Health, Your Family And Your Belongings

Snowbird travel insurance covers you, your belongings, and your family in the case of many travel-related issues or emergencies.
Get coverage for:
Injury Illness
Trip Delays
Trip Cancellation
Lost Baggage
Medications
Ambulance Services
Medical Emergencies
And More...
Compare snowbird travel insurance online and get the coverage you and your family need.
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Snowbird Travel Insurance
Frequently Asked Questions (FAQ)

Get all of your Snowbird Travel Insurance-related questions answered in our FAQ section below.

What is snowbird travel insurance?

Snowbird travel insurance is a type of insurance that covers people who leave their home country for a period of time while they enjoy warmer weather. Since they may not be covered under their existing health insurance policy while abroad, they can benefit from private snowbird travel insurance. This type of insurance covers unexpected medical and travel expenses.

Won’t my provincial health insurance cover me?

Not always. Many provincial healthcare plans are not valid outside of Canada, or they include various limitations. It’s best that you get a private snowbird travel insurance plan that covers you no matter where you go.

How do I get a quote for snowbird travel insurance?

Insurdinary has partnered with Canada’s best snowbird travel insurance providers to provide you with affordable insurance quotes, fast. Simply fill out a quick application to get custom quotes sent straight to your inbox.

How does snowbird travel insurance work?

Snowbird travel insurance works similarly to other types of insurance. You pay a premium to maintain coverage that will offset the costs of unexpected medical emergencies and travel issues while you are abroad. Depending on your plan, your insurance will cover a portion or all of your expenses, so you won’t have to pay for everything out-of-pocket.

What happens if I don't have travel insurance?

Much like other types of insurance, snowbird travel insurance offers you coverage as long as you pay your regular premium. Then, in the event that you are injured, become ill, or experience another travel-related disaster, your provider will help cover some of the costs.

By contrast, not having a plan would mean paying out-of-pocket like things like medicine, emergency room visits, ambulance services, and more. These costs can add up and put a real damper on your vacation.

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