Do you travel south each year to avoid Canada’s awful winter weather? You’re not alone, as approximately 350,000 Canadians are snowbirds. Whether you head to the US or further afield, however, being out of the country for months at a time requires additional planning. This is particularly important for seniors with health care concerns; medical insurance is not something to take lightly. Luckily there many choices for travel medical insurance.
- If you visit multiple destinations, or you’re back and forth to Canada a few times, consider buying an annual travel medical insurance policy. This way, you and your family are covered for multiple trips within a year. This option can be less expensive. However, make sure the policy’s coverage is in place for the entire time you’re traveling.
- If you leave Canada and stay put for the entire time, purchase a single-trip medical insurance policy that covers the entire duration of your trip. This option is simple, but it can also be more expensive, in particular if you winter in the US where medical costs are high.
- Buy snowbird medical insurance. Did you know there are policies built for snowbirds on extended travel? These policies often have more comprehensive coverage than basic travel insurance policies.
Regardless, before you make any purchase decisions, read the terms and conditions of your medical insurance policy carefully. It’s good to understand exactly what you are covered for and not. The last thing you want are surprises if you have to make an insurance claim.
Travel Medical Insurance Options for Snowbirds
Thankfully, Canadian snowbirds have lots of choice when it comes to their travel medical insurance options. Have a look at these summaries:
| Option | Insurance Coverage Overview | Cost |
|---|---|---|
| Single trip policy | Medical costs, trip interruption and cancellation, and other basic coverages. | Cost fluctuates based on trip’s length, age of those traveling, and other factors. |
| Annual policy | Multiple trips within a 12-month period and can be a more cost-effective option for snowbirds who travel frequently. | Less expensive option, but price varies based on the number of trips, age of the travelers, and other factors. |
| Top-up coverage | This can be added to an annual or single-trip policy. It can lengthen the coverage period and/or add more benefits. | Cost depends on the length of coverage and the benefits you choose to add. |
| Comprehensive plan | Medical expenses, trip cancellation, interruption, lost luggage, emergency medical transportation, and repatriation. | More expensive than other options, but can be a good choice for snowbirds with pre-existing medical conditions or who are traveling to remote areas. |
It’s recommended to buy your travel medical insurance before you depart. If you’ve chosen an annual policy or top-up coverage, however, during your trip is fine. Just be conscious of the fact that you may not be adequately covered your whole trip.
Canadian Snowbirds Advice
Here are a few more considerations for Canadian snowbirds looking for medical insurance before their trip.
- Are you healthy? If you or fellow travelers have any pre-existing conditions, ensure the policy covers them.
- What is the maximum payout? If you have to make a claim, this is the total amount of money the insurance company will pay you.
- What are you doing on your trip? Some activities are riskier than others. Confirm the policy covers all of the things you’re going to do while you’re away, like golfing, skiing, or hiking.
- Read the fine print. Take time to understand the details and ask questions if you’re unsure.
Travel medical insurance is an important part of trip planning. But remember, it’s not a substitute for medical care. If you get injured or sick while out of the country, get medical attention immediately. Accidents happen, but you can also take precautions. Learn ways to avoid getting sick while traveling.
If you’re a snowbird planning to fly south this winter, don’t leave home without travel medical insurance policy! Snowbird medical insurance can protect you and your familty from financial disaster in the event of a health care emergency. Learn more about travel insurance and request a quote.