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 ourTop 5 Tips for Snowbirds

Important coverage to have:

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 plans policy maximum, the more expensive the premium, but having a policy maximum that offers at least $100,000 in coverage will make sure 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. Additionally, this benefit can help transport you back to your home country if medical treatment from your attending physicians in your home country is required. 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



Underwriters: C&F Crum & Forster
Plan Highlights
  • Comprehensive coverage plan
  • Plan pays 100% after deductible
  • Emergency evacuation up to $1 million
  • Up to $125,000 coverage for acute onset

Patriot America Plus

Underwriters: Sirius International
Plan Highlights
  • Comprehensive coverage plan
  • Emergency evacuation up to $1 million
  • Acute onset coverage for people under age 70
  • Coverage for international travel