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Snowbirds taking flight this winter, don’t forget to pack travel insurance!

It’s estimated that about half a million Canadian seniors each year flock south to warmer temperatures. These travellers are often called "snowbirds." You likely know someone who is a snowbird, or you’re a snowbird yourself, or you’d like to retire and be one! But what is it exactly that makes a person a snowbird? Typically, a snowbird is a traveller who leaves Canada for more than 30 days at a time to live in warmer countries during the winter season. It’s an enviable lifestyle if the cold and snow is not your thing.

Before leaving your home behind for the season however, it’s important to have broad medical coverage and insurance in place before commencing your travels. Whether you are heading to Florida, Arizona, the Caribbean, some of the top destinations preferred by your fellow senior Canadians, or another warm weather destination, compare travel insurance quotes from Canada's top travel insurance providers at It’s the best way to ensure you get the best rate for the senior medical insurance coverage your need.

Why is travel insurance important for snowbirds?

According to the Government of Canada, your Canadian health insurance coverage is typically not valid outside of the country. It will pay for very little, if anything, of any emergency medical services you require. As a result, if you are injured or fall ill while away, the costs incurred could cause substantial financial hardship. In general, the costs of medical care south of the border and abroad are extremely high, even for small injuries, should you need professional attention.

Make sure you are protected with seniors travel insurance for snowbirds; it’s the best way to ensure a stress-free getaway. And don’t worry, if you have a stable pre-existing medical condition, we can help you find the coverage you need before you take flight.

Your snowbird travel insurance rate will be determined, in part, on the following information: 

  • Your age
  • The length of your trip
  • The policy options you select
  • Any pre-existing medical conditions you have as well as medications you take 
You may be asked to fill out a medical questionnaire during the application process, but don’t worry, this is normal.

Depending on the provider, you may be required to complete a detailed medical questionnaire before getting a quote. 

The reason being that the information you provide from the questionnaire will help the insurance provider determine your premiums and/or your eligibility for coverage. Full disclosure is important here, so it’s important to provide complete and accurate answers when filling out your snowbird insurance form as well as the medical questionnaire. Overlooking a detail about your medical history to save money on your premiums could end up being a costly mistake later, should you need to submit a claim.

There are many options for snowbirds when it comes to seniors travel insurance. Whether you’re making one trip, multiple trips, or want to be covered as much as you possibly can be, there is a policy for you.

For those making a single trip, you’ll want coverage for emergency medical expenses when you’re in another country. In many countries, receiving medical treatment is quite costly. Purchasing emergency travel medical insurance can help you manage those costs should you find yourself in need of medical assistance.

If you’re planning on making a few trips in one year, a way to save on your travel insurance costs is to purchase a multi-trip emergency medical insurance policy. A variety of trip durations can be accommodated and plans range from basic to fairly comprehensive.

If you want to be covered in every way, an all-inclusive travel insurance policy is the way to go! This type of policy offers emergency medical insurance as well as trip cancellation or interruption insurance, and accidental death and dismemberment insurance, delayed or lost baggage reimbursement, and more. An all-inclusive travel insurance policy is often a good value compared to individual specialized policies for complete protection.

Compare insurance quotes through to see what rates each provider offers. From there, can review your coverage options (it typically ranges between $1 million to $5 million) as well as your deductible choices. You can also easily compare plan features for senior travellers, and view a sample policy online, well before you commit to buy. With all of this at your fingertips, finding the policy that best suits your needs and travel requirements, is simply a click away.

Many credit cards offer travel benefits, and while they can provide some coverage, they don’t typically offer the comprehensive coverage a standard travel insurance policy does. And once you hit a certain age, there may also be limitations on how long you can travel outside of the country. If you’re relying on your credit card’s travel insurance benefits, make sure you read over your cardholder agreement to ensure you’re covered; you may be surprised to learn you don’t have the coverage you expect.

What does a travel insurance policy cover for snowbirds?

All policies vary to some degree (which is why it’s just as important to compare policy plans as well as prices), but in general a snowbird travel insurance policy covers the costs associated to an emergency sickness or injury. This may include the fees associated with the treatment (and diagnosis) of unforeseen medical events including ambulance physician, hospital, prescription and diagnostic services.

Compare snowbird travel insurance policies and rates today

At, we not only help you compare snowbird travel insurance rates, but we make it easy for seniors to compare policy coverages and options too. Shop and compare snowbird travel insurance today to ensure you have your coverage lined up before you leave.

*The average savings found on for emergency medical travel insurance for single travellers, age 60 - 75, for single trips of 90 days or more, as compared with the published rates of 3 Financial Institutions for their equivalent emergency medical travel insurance. Actual savings vary depending on number of travellers, age, trip duration, medical conditions, and coverage selected. Based on research as of July 28, 2017.