Travel insurance for Canadian Snowbirds

Have you decided to head south to escape the long winter months? Travel insurance is essential to avoid unexpected costs in the event of a medical emergency. This coverage is specially designed for Canadian Snowbirds.

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Assistance en cas d’urgence 24/7

24/7 assistance

Soins hospitaliers et médicaux d’urgence

Emergency medical coverage

Emergency air and ground transportation

Who can benefit from Canadian Snowbirds travel insurance?

Travel insurance is designed primarily for Canadian citizens and permanent residents who want to spend their winters warm and cozy. Dreaming of spending the winter in your Florida bungalow? Would you like to retire to Hawaii for the winter? Don't be caught unprepared by an unexpected health event. Travel insurance plans for Snowbirds allow you to travel with peace of mind, knowing that your medical expenses will be covered.

To be eligible for this insurance, you must be covered by your provincial health insurance plan for the entire duration of your stay outside your province of residence.

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A quick and easy process

Start buying your insurance policy with complete transparency and in a secure environment. If in doubt, talk directly to our licensed team to help you make the right choice.

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What is covered by travel insurance?

A medical consultation or a short hospital stay can result in very high medical costs. It's important to take out insurance to ensure your peace of mind in the event of illness or accident. Travel insurance plans will cover you for medical emergencies outside Canada and outside your home province.

Some plans offer options that include coverage for medical or non-medical benefits, such as trip cancellation and interruption, as well as baggage loss, breakage, or delay. Some insurers also offer plans for single or multiple annual trips.

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Options de montant de protection et de franchise disponible

Coverage up to $5,000,000

Soins hospitaliers et médicaux d’urgence

Emergency hospital and medical care

Retour d’urgence au domicile et rapatriement


Soins dentaires et médicaux d’urgence

Emergency dental care

Emergency air and ground transportation

Repatriation and return of deceased

Trip cancellation and interruption

COVID-19 coverage

Paiement mensuel possible

Subsistence allowance

Return of vehicle and baggage

Couverture abordable

Allowance following repatriation to Canada

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Frequently asked questions

We've put together some frequently asked questions. Can't find the answer to your question? Don't hesitate to contact a member of our team.

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Can I be covered for pre-existing health conditions?

Yes, in most cases. Each insurer has its own specific conditions and definition of “pre-existing conditions”, as well as different exclusions. These generally relate to the insured’s general state of health and age. If you are taking medication or have a particular health situation, we recommend that you contact our accredited team, who will be able to assist you according to your situation.

Why do I need private insurance if I’m Canadian?

A prolonged absence from Canada may affect your eligibility for provincial health insurance. It is important to validate the eligibility requirements of each province and to inform the responsible authorities of any trip or other stay outside the province that contravenes the presence rule applicable to your situation.

Consequently, if you are not covered by the provincial health insurance plan, medical and hospitalization expenses will not be covered. These costs can be very high, depending on the emergency and health situation. Insurance can help cover this risk.

What should I do if I need to see a doctor during my stay?

You should contact your insurer’s assistance center as soon as you have a health emergency. The center is available 365 days a year, 24 hours a day, 7 days a week. The assistance center can accompany you, guide you and direct you to the ideal resource depending on the situation. No matter where you are, the assistance center can handle communications with health care centers to facilitate your exchanges and your claim.

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