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Travel Insurance for Snowbirds

Travel Insurance for Snowbirds

Both humans and birds are known to migrate south every fall and winter to escape harsh weather in the north for warmer climates. The difference is that birds don't need to worry about hefty medical bills if something unexpected happens en route or at their destination. For human snowbirds, travel insurance can help protect you on your journey. Whether you're piling everything in an RV and setting the GPS for Miami or taking a direct flight down to Cancun, we have a plan to fit your needs.

Many snowbirds are Canadians trading subzero temperatures for sunny beaches in the United States, Mexico and the Caribbean. Canadian health insurance will provide coverage for citizens should they get sick or injured at home, but when traveling outside of Canada, domestic insurance is no longer there to provide coverage.

Healthcare in the United States is extremely expensive. Even a simple doctor visit could cost hundreds of dollars and a hospital stay could mean bills in the hundreds of thousands. A comprehensive travel medical insurance plan can help ensure that you're covered if anything should happen. Forgoing medical coverage could be a costly mistake, in terms of both health and finances, especially because many snowbirds are retired seniors. For more information, check out our top 5 tips for snowbirds.

Important Benefits to Look For:

Acute onset of pre-existing conditions

While very few travel insurance plans offer coverage for pre-existing conditions and preventative care, some plans have coverage for acute onset of pre-existing conditions. Acute onset is defined as a sudden and unexpected recurrence of a pre-existing condition which occurs spontaneously and without advance warning. It is up to the attending physician to determine if the condition would classify as acute onset. Some plans will only provide this benefit for people up to a certain age, so be sure to read the policy details carefully before purchase.

At least $100,000 in coverage

The higher an insurance plan's policy maximum, the more expensive the premium. But, having a policy maximum that offers at least $100,000 in coverage will ensure that you're covered for a variety of situations. Some policies offer maximums of as much as $5,000,000. You can assess your risk and select the best maximum for your individual needs and destination.

Emergency medical evacuation

This benefit helps to ensure that if you need immediate medical attention, you can be transported to the nearest medical facility. Without insurance, emergency medical evacuation can cost upwards of $100,000, so make sure the policy you select has this benefit so you stay protected from the unexpected.

Travel Insurance Plans for Snowbirds

CoverAmerica - Gold®

Comprehensive Coverage Plan A- (Excellent)
Sirius Specialty Insurance Corporation

Best for:
COVID-19 Coverage Visitors to the USA


Coverage for non-U.S. residents and non-U.S. citizens, while traveling to the United States and incidental trips to Canada, Mexico, Latin America, Bahamas and South America.

Patriot America Plus

Comprehensive Coverage Plan A- (Excellent)
Sirius Specialty Insurance Corporation

Best for:
Greencard holders visiting the USA U.S citizens visiting the USA

Travel Medical Insurance Plan for non US Residents and US citizens who permanently live outside the USA, for traveling to the USA, and anywhere outside their country of Residence.


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.