best snowbird travel insurance

PolicyAdvisor LIVE 1-888-601-9980

• Life Insurance
• Mortgage Protection
• Critical Illness

Home / Travel Insurance / Learning Center /

Guide to snowbird travel insurance for Canadians (2024)

Snowbird travel insurance is a type of insurance designed for Canadians who go on long trips outside of their home province or territory. This type of policy is usually for older travellers, like seniors, because they are the main group of snowbirds.

What is snowbird travel insurance?

Why do snowbirds need travel insurance, how does snowbird travel insurance work.

• Do snowbird travel insurance plans cover pre-existing health conditions?

How much does snowbird travel insurance cost?

Which canadian insurance companies offer snowbird travel insurance, where to find the best snowbird travel insurance.

• How to get professional insurance advice

Every year, thousands of Canadians say goodbye to the Great White North as they embark on long trips abroad to escape the cold winter months. But, like many travellers, the topic of insurance may not cross these snowbirds’ minds until they’re on the plane. By then it may be too late.

Travel insurance is great for emergency expenses on shorter trips. But, what do Canadians rely on for peace of mind when they’re spending months abroad? This article will go into detail about how snowbirds can make sure they don’t have to pay a lot of money if they have an emergency while away from home.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Snowbird travel insurance is a special type of travel insurance just for Canadians who go on long trips away from their home area. These plans mostly offer good deals for seniors because they are the main group of snowbirds.

One of the main differences between regular travel insurance and snowbird travel insurance is how long the plans last. Regular travel insurance covers shorter trips, up to 21 days away from home. But snowbird travel insurance can cover up to 212 days.

When buying a travel insurance plan, snowbirds can choose one of the following:

• Single-Trip Plan: Covers just one trip
• Multi-Trip Plan : Covers more than one trip taken within a year
• Top-Up Plan: Extends coverage if they stay away for longer

Did you know?

Canadian “snowbird” travellers are called that because they travel south away from Canada when it gets cold, just like some species of birds do. It’s an affectionate and fitting nickname!

What is a snowbird?

A snowbird is a Canadian who travels away from home to spend their winter months somewhere with a warmer climate. Most snowbirds are retired Canadian seniors. Some of the most common places snowbirds travel to include:

• The Caribbean

Snowbirds usually spend months living in a warmer country during the winter. Or, they may “hop” to a few different places before returning back home to Canada once the weather’s warmer.

Travel insurance policies can help snowbirds pay for unexpected travel expenses that may come up on their journey to or during their stay in countries with warmer climates. And snowbirds have special considerations to keep in mind:

1 Longer trips = greater risk

2 Older travellers are more likely to need health care

3 Medical expenses can be extreme away from home

Depending on how long you travel for, your government health insurance plan may even lapse, leaving you with no coverage at all. This means you would be paying out of pocket for any medical attention you need. And 212 days, or about 7 months, is a long time to not have any insurance.

Does OHIP cover snowbirds?

Yes, the Ontario Health Insurance Plan (OHIP) and other provincial health insurance plans can cover Canadian snowbirds in some cases. But it’s very limited coverage. They will only pay for a very small amount of your medical expenses if you get sick outside of Canada. Or they may not pay for anything at all. And, if you stay outside of Canada longer than the allowed number of months, it will stop covering you.

This is why the Canadian government says that any Canadian going on a trip — including snowbirds — should make sure they get their own  travel medical insurance plan . It’s the best way to avoid having to pay extremely high bills if you need medical care while away from home.

With snowbird travel insurance, you pay a fee ( premium ) to an insurance company and in return, they will help pay for costs that may come up if you have a travel emergency. As with most travel insurance , snowbirds customize their plan to fit their needs. They have to pick:

• Coverage amount (ex: $500,000, $1M – $5M, etc.)
• Coverage period (number of days)
• Deductible options (how much you would have to pay in an emergency before insurance kicks in)
• Type of coverage (ex: medical only, trip interruption /cancellation, or more)

They also have to meet certain requirements to get a travel insurance plan, which we’ll discuss more later in this article.

What does snowbird travel insurance cover?

Snowbird travel insurance usually refers to emergency medical travel plans that help pay for costs if you suddenly have to see a doctor or go to the hospital while you’re away from home.

But it can also cover emergencies that aren’t about your health. Snowbird travel plans can cover things like:

• Trip cancellation
• Trip interruption
• Lost or stolen baggage
• Emergency healthcare  (hospitalization fees, ambulance fees, etc.)
• Emergency dental treatment
• Prescription drugs
• Emergency evacuation
• Emergency repatriation of remains
• 24-hour travel assistance services
• Pre-existing medical conditions

What you’re covered for depends on the type of travel plan you get and who your insurance company is . You should check the policy wording before you buy a plan to make sure that it covers everything you need. Or, you should speak with one of our travel insurance specialists  so they can help you get the plan you need.

What does snowbird travel insurance not cover?

In general, travel insurance will not cover:

• Routine checkups
• Planned medical procedures
• Cosmetic surgery
• Planned dental expenses

Insurance companies will list anything they won’t cover in a section called “exceptions” in the policy wording. Be sure to carefully read this section or speak with an insurance advisor to find out what you are and are not covered for.

Do snowbird travel insurance plans cover pre-existing health conditions? 

Yes, snowbird travel insurance plans can cover pre-existing health conditions that are stable. This means the health issue must not have:

• Gotten worse
• Caused new symptoms
• Needed a new diagnosis
• Needed new treatment

Insurance companies also look at how long a pre-existing medical issue has been stable. Different companies have different rules about this length of time. They call this a “ minimum stability period ”. It means that they will only cover a pre-existing condition if it has been stable for at least that amount of time. It’s usually for 90-180 days.

Insurance companies do this because they want to be sure your medical condition won’t cause problems when you’re away for an extended period of time. This is especially for snowbirds, who may be away from home for months at a time.

Some travel insurance companies may not ask you to meet the minimum stability period. Others, like Tugo, may have a special plan for unstable pre-existing conditions coverage. But these types of policies may be rare and will likely be more expensive.

What do Canadians need to get snowbird travel insurance?

To be eligible for snowbird travel insurance plans, travellers usually have to be:

•  At least 55 years old
• A Canadian citizen or permanent resident
• Travelling outside of their home province or territory for between 90 to 212 consecutive days

But different types of travel plans can also have different rules. For example, if someone buys annual multi-trip insurance that covers more than one trip they go on in a year, the company may have rules about how many days can be covered for each trip. ( Learn more about annual multi-trip travel insurance )

Also, if you’re younger than 55, don’t worry! This is just a general rule for some travel insurance companies. Many other companies have travel insurance options  for anyone older than 18 days old! So, you likely have a lot of insurance choices for your travels even if you can’t get some companies’ specific snowbird plans.

You should find out the exact details of any insurance plan you may be interested in. Read the policy wording or speak with one of our expert advisors to find out what the requirements are and make sure you have adequate coverage for your trip!

Snowbird travel insurance rates depend on:

• Trip duration
• Destination
• Type of coverage
• Amount of coverage
• Deductible options

You can expect a snowbird travel insurance policy to cost hundreds. But the cost is well worth the peace of mind of knowing that you’re covered in case an emergency happens. And it’s still far cheaper than the hundreds of thousands in medical costs you could have to pay for emergency health care. The table below shows some costs from top providers.

How much does a snowbird travel insurance policy cost?

This is just an example, but keep in mind that prices can change based on the factors we mentioned earlier in this article. For instance, choosing higher deductible options would make your premium lower. Or getting coverage for $1 million instead of $5 million would also change the price. You might also be able to get a discount for travel within Canada.

You can easily get a snowbird travel insurance quote on PolicyAdvisor.com ! We have a free quoting tool that lets you customize your plan and see travel insurance options from more than 30 of Canada’s best insurance companies in less than a minute. Plus, you can call us or chat with one of our travel insurance specialists online if you want a professional to help you out.

Many Canadian insurance companies sell travel insurance that snowbirds can use when they travel for the winter. Only some companies have travel packages that are just for snowbirds, though. Some of these companies are:

✈️ Blue Cross

A lot of Canadians recognize Blue Cross. They’re known for their travel insurance plans, and they offer really good rates to seniors. Blue Cross’ snowbird plans cover up to $5 million in emergency medical expenses. And they cover stable pre-existing conditions.

✈️ Desjardins

Desjardins is another insurance company that a lot of Canadians know about. They’re mostly known for other types of insurance products, but they offer travel insurance too. Their travel insurance plans for Canadian snowbirds cover up to $5 million for medical emergencies.

✈️ Group Medical Services (GMS)

GMS may not be as well-known, but they’re a good travel insurance company. They can also give Canadian snowbirds up to $5 million for emergency healthcare coverage. GMS’ snowbird travel insurance plans cover stable pre-existing health conditions. And they let you extend your plan day-by-day if you need additional travel insurance coverage.

✈️ Medipac

Medipac is another Canadian insurance provider that covers stable pre-existing conditions and can cover up to $5 million for urgent health care for snowbirds.

Canadian snowbirds can find the best travel insurance policy for their needs at PolicyAdvisor.com ! The best snowbird travel insurance policy is the one that meets your specific needs and budget. And you can easily shop around for the perfect one on our website.

There are a lot of different factors to consider when choosing a plan, so it’s important to do your research and compare or speak with one of our expert advisors who can help find the plan that works best for you.

Travel Insurance Tip

You should get travel insurance before your trip start s and long before you’re even at the airport. Many snowbirds get their travel insurance as soon as they confirm their travel dates.

Can snowbirds get travel insurance through their credit cards?

Yes, Canadian snowbirds can get some form of travel insurance coverage  through their credit cards. Many travel credit cards now come with “perks” like travel insurance. But, we strongly advise Canadian snowbirds not to rely on this type of coverage.

Credit card travel coverage usually comes with a lot of rules about what’s not covered. Many of them also only cover you for a very short period of time, so they’re not a great choice for snowbirds who travel away from home for months. They can also have rules like only covering one person, or not covering anyone who’s older than age 65.

If any traveller has credit card travel insurance , they should use it but still get their own travel plan too. This will make sure they actually get the coverage they need. And this is especially important for snowbirds, since they travel so far away for so long, and since they may need something to cover health issues they already have .

Can snowbirds get travel insurance after leaving Canada?

Yes, it is possible to get travel insurance after you’ve already left Canada — but here’s why waiting until the last minute is not a good idea:

⚠️ You’ll have fewer options

⚠️ You’ll leave yourself vulnerable to mishaps

It’s always a much better idea to get your travel insurance before your trip starts and long before you’re even at the airport. A lot of snowbirds arrange their travel insurance right when snowbird season starts and they decide which dates they’re going to leave and come back.

When is it too late to buy travel insurance?

Generally speaking, it’s too late to buy travel insurance if you’re already abroad and an emergency is happening. So, you absolutely do not want to get to that point! Speak with one of our advisors to get a travel insurance quote and make arrangements ahead of time.

Do travel advisories affect snowbird insurance coverage?

Yes, travel advisories affect whether snowbird travel insurance will cover you or not. This is the same for any travel insurance plan . If there is a travel advisory against your destination of choice but you still go there, your insurance company won’t cover you.

Travel advisories are just one of the cases where travel insurance won’t cover you — these are called “exceptions”. There are other exceptions too. For instance, if you go on a trip even when your doctor has told you not to travel. In this case, the travel insurance company again won’t cover you. Check your policy to find out what all of the exceptions for your snowbird travel plan are.

Is COVID-19 covered under snowbird travel insurance plans?

Yes, most snowbird insurance policies cover emergencies related to COVID-19 . When the pandemic just began, there was some confusion about what would be covered and what wouldn’t. But most travel insurance companies quickly adjusted to include it in their plans. That means most travel insurance plans will cover unexpected costs related to COVID-19, like quarantine or medical treatments.

Read more about COVID-19 travel insurance coverage .

How to get professional insurance advice? 

If you need help finding the best snowbird travel insurance, or if you’re unsure about something, don’t forget that you have a free resource available in us! The friendly, licensed agents at PolicyAdvisor are here for you if you need support. Click the button below to schedule a call and speak to an advisor when it’s convenient for you!

• Snowbird travel insurance covers medical emergencies or other unexpected travel costs for Canadian seniors who spend months away from home
• Snowbirds have more reasons than others to make sure they're protected when they travel to warmer climates during the winter
• Some companies have special snowbird travel insurance packages, but many others offer standard travel insurance policies that can work for snowbirds' needs

Find this informative? Share it with someone you care about.

The information above is intended for informational purposes only and is based on PolicyAdvisor’s own views, which are subject to change without notice. This content is not intended and should not be construed to constitute financial or legal advice. PolicyAdvisor accepts no responsibility for the outcome of people choosing to act on the information contained on this website. PolicyAdvisor makes every effort to include updated, accurate information. The above content may not include all terms, conditions, limitations, exclusions, termination, and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. All rights reserved.

If something in this article needs to be corrected, updated, or removed, let us know. Email  [email protected] .

Want more like this in your inbox? Subscribe to our newsletter.

© PolicyAdvisor Brokerage (PAB) Inc., is an insurance brokerage licensed to sell life insurance products in Ontario, British Columbia, Alberta and Manitoba. Not available in other provinces. Policy obligations are the sole responsibility of the issuing insurance company. Issuance of coverage is subject to underwriting by the respective insurance company. Please see policy documents for full terms, conditions, and exclusions. The logos and trademarks used here are owned by the respective entities. Refer to our Privacy Policy and Terms of Service sections for additional information.

• 1-800-265-3200

• Member Benefits
• Travel Insurance
• Currency Exchange
• COVID-19 Updates

MEDIPAC TRAVEL INSURANCE : 1-888-633-4722

• SAVE up to 20% with Claim-free and other Discounts
• New Clients Can SAVE, too!
• UP to $5Million USD Including COVID-19
• Medical Professionals for Travel Medical Insurance

The Canadian Snowbird Association exclusively endorses Medipac Travel Insurance .

Why we choose Medipac

For over 30 years, Medipac has covered most stable pre-existing conditions, regardless of age (and some of our members are over 90!). Their coverage is comprehensive, their policy is written in easy-to-understand language and with their discount program, their plans provide exceptional value. Some members save up to 30%!

Also, emergency assistance services is a topic that rarely is discussed by other travel insurance providers, yet they are an essential part of any plan. There is a reason for this; most travel medical insurance plans outsource these critical services to disinterested third parties where your calls for assistance may be answered by “call-center clerks”.

From application to assistance, Medipac is by far our preferred choice for our members.

Click here  to learn more about Medipac  Travel Insurance . Or call:

1-888-MEDIPAC  or  1-888-633-4722 .

Medipac Travel Insurance Plan at a glance:

Buy Travel Insurance Online Now, you can purchase the Medipac Travel Insurance Plan online , using the secure online travel insurance application.

New Client Incentives Medipac is the right choice for your travel insurance needs. First time Medipac clients can also earn up to 15%. Call for for your discount code and apply online.

Special Offer for Superannuates Medipac has coverage credits ( discounts ) for Federal Superannuates in addition to providing a FREE 40-day annual plan. This year, Medipac increased the credits by 20%.

MedipacMAX is the most popular option, offering nine important benefits for one low price, including:

• First claim forgiveness to protect your Claim Free Discount, • $10,000 accidental death benefit, • $5,000 relocation benefit, • $1,500 pet benefit, • $1,000 excess luggage benefit, • $4,000 return to Canada benefit, • $2,000 Canadian hospitalization benefits, • $5,000 inpatient rehabilitation benefit, • Increase of Policy Benefit Maximum to $5,000,000 USD, including coverage for COVID-19

Comprehensive Top-Up Coverage Medipac Travel Insurance provides comprehensive and cost-effective  Top-Up coverage  for Retired Teachers, Telephone and Hydro Retirees as well as Former Government Employees. Simply “buy what you need.”

Pre-Existing Conditions Coverage Most clients with stable and controlled medical conditions can purchase Medipac Travel Insurance and have full coverage for all of their medical conditions.

Medipac Loyalty Credit Returning Medipac clients receive an additional premium  discounts (1% per year) of up to 10%!

Claim Free Discount Medipac clients who have had no travel insurance claims deserve a better rate. You can earn up to an additional 10% discount  for your healthy lifestyle. NEW clients can qualify, too!

Short Term Travel Travelling for a week or two to visit a family member or taking a cruise? See Medipac’s short term rates and annual plans, using their Quick Quote function. It only takes a few minutes to travel with confidence and proper coverage.

Apply ONLINE Quick QUOTE  

Medipac Travel Insurance Application – Printable PDF file

Medipac Travel Insurance Guide and Policy – Printable PDF file

Defending the rights and privileges of Canadian travellers for over 30 years.

• News Releases
• Special Action Fund

Our Sponsors

© Copyright 2024. All Rights Reserved. Privacy Policy | Terms & Conditions

Snowbird Advisor

Popular topics, featured snowbird resources.

Travel Insurance

The travel insurance specialists for snowbirds...

Phone Plans

Get exclusive members-only pricing on Canada - U.S. roaming plans...

Currency Exchange

Snowbirds, save on foreign exchange rates...

Vehicle Transport

Have your vehicle shipped between Canada and the U.S.

Virtual Pharmacy

Free prescription medication delivery + virtual doctor visits...

Member Benefits

Gets exclusive discounts, services and resources for snowbirds...

Destination Guides

Get the inside scoop on select snowbird destinations...

Members save 15% at Choice Hotels...

CAR RENTALS

Get great prices on car rentals in over 180 countries...

Credit Card

No foreign transaction fee credit card for snowbirds...

Travel Services

Get exclusive travel offers and discounts...

MEMBER BENEFITS & RESOURCES FOR SNOWBIRDS

Exclusive 5% discount for Snowbird Advisor members!

What Type of Travel Medical Insurance Plan is Best For Snowbirds?

Michael has over 20 years of experience in the Canadian travel insurance industry. He is currently the President at Toronto based insurance advisory firm CSI Brokers Inc. ,‎ was a founding member of the Travel Health Insurance Association of Canada and is currently on the Board of ‎Advocis Toronto.

For Canadian snowbirds, travel medical insurance is an absolute must. However, choosing the best type of travel insurance policy to meet your specific needs isn’t always easy.

Snowbirds generally have the option to choose between two types of travel medical insurance plans: Single Trip Plans and Multi Trip Annual Plans .

The type of policy that’s right for you – both from a coverage and pricing standpoint – will depend largely on your travel plans over the winter and throughout the year - and how long you expect to be outside your province of residence in one stretch.

This practical guide can help you better understand the difference between the two types of insurance plans, and determine which option might better suit your needs.

What is a Single Trip Travel Insurance Plan?

Single Trip Plans are purchased on a per trip basis each time you leave your province of residence and the coverage period is based on the specific travel dates you provide at the time of purchase, specifically, your scheduled departure and scheduled return dates.

If you plan on coming back to Canada at any point over the winter and then returning to your winter destination, you may still be able to purchase a single trip plan, but it would need to cover the entire period, including the days you are back in Canada (even though there are no benefits while you're back home).

For example, if you plan on being away for the winter from January 1 – April 30 and returning to Canada for one week at the beginning of March, your coverage period would need to be January 1 – April 30. Make sure you speak to your agent or broker before purchasing a plan like this to ensure your policy allows it.

It’s also important to be aware that if you have a change in your medical condition, a medical episode, or a change in your medication while you are back in Canada, you may be denied coverage if you need medical attention when you return to your winter destination. Again, make sure you speak to your insurance agent or broker before you buy to ensure you understand the risks and the terms of your policy.

Premiums for Single Trip Plans are based on your age, health status and the duration of your trip, and if your trip is cancelled or cut short, you may be entitled to a full or partial refund, subject to an administration fee.

Who Should Consider a Single Trip Travel Insurance Plan?

Canadian snowbirds should consider a Single Trip Plan if you:

• Are going to be away for long periods over the winter without returning to Canada, or returning to Canada infrequently for brief periods, and
• Don’t plan on travelling much outside their home province at other times during the year.

What is a Multi Trip Annual Plan?

An Annual Plan, also referred to as a Multi-Trip Plan, allows you to purchase your travel medical insurance policy on an annual basis, giving you coverage for an unlimited number of trips over a full year up to a maximum specified number of days per trip, for example 15 days or 31 days. Longer durations may also be available; check with your insurance company.

Remember, when counting the number of trip days, your departure date is considered “Day 1” of your trip.

The benefits, limits, conditions and exclusions for both Per Trip Plans and Annual Plans are similar. The main difference is that the former ends once you return to your province, while the latter ends 365-days from the date originally purchased.

When considering purchasing an Annual Plan, you’ll want to look closely at the maximum number of days per trip you are allowed to be outside your home province. The longer you’re allowed to be away per trip, the more expensive the coverage is. Typical maximums are 15, 21, 31 and 45 days, while some policies allow for longer periods.

This can be an issue if you’re a snowbird who intends to stay outside Canada for several months at a time, as you would exceed the number of days per trip you are allowed to be away, causing you not to have coverage beyond your applicable duration.

Top Up Coverage

However, in most c ases Annual Plans have a solution for this issue, commonly referred to as “Top Up” coverage . It works like this: If one of your trips is longer than the maximum number of per trip days allowed under your Annual Plan, you can contact your insurance company to purchase top-up coverage for the extra number of days that you need for that one specific trip .

While Top Up plan structures can vary from insurer to insurer, the following is a typical example of how they work:

Suppose you purchase a 31 day Annual Plan, as you feel that none of your trips during the subsequent 12-months will exceed 31 days. Now, suppose that one of your trips ends up lasting 45 days in total. All you would need to do is contact your insurance company and purchase Top Up coverage for the additional 14 days. Some insurance companies may only sell additional days in fixed units, for example 0-5, 6-10, 11-15 etc...

It’s always best to purchase Top Up coverage at the time you purchase your insurance policy - particularly if you’re purchasing your policy prior to your first trip and you know your trip dates.

However, most policies don’t require you to buy Top Up coverage before you leave on your trip, provided you contact your insurance company to purchase it within their specified period prior to the end of your trip and you do not have a cause for claim . Although not ideal, this can help you in a pinch if your travel plans change, but make sure you know your insurer’s policy on Top Ups before you depart on your trip.

While Top Up coverage can be a great option, there are a few things you’ll want to know first:

• How does your insurer’s Top Up policy work?
• What is your insurer’s policy with respect to how and when you need to buy Top Up coverage?
• Is there a maximum number of Top Up coverage days you can purchase?
• How much does it cost to purchase Top Up coverage? It’s more expensive the longer the Top Up period is.

With respect to renewals, some insurance companies may automatically renew your Annual Plan policy each year if you don’t require a medical questionnaire. If this is the case, you should receive a renewal package prior to the renewal date showing your renewal premium, as it may have changed since the previous year. If you have moved into the next age bracket, your premiums will likely increase.

If your Annual Plan policy does not automatically renew, you should still receive a notice prior to the anniversary date so you can re-apply before your policy expires and ensure that your coverage is uninterrupted.

Who Should Consider a Multi Trip Annual Plan?

Canadian snowbirds should consider a Multi-Trip Annual Plan if you:

• Plan on only being away for part of the winter
• Plan on spending most of the winter outside Canada but making frequent trips home
• Plan on taking multiple trips outside your home province at other times during the year

Annual Plans can be an extremely convenient option for snowbirds who are frequent travellers, and can sometimes be a more cost effective solution than Single Trip plans, depending on how often you travel and the length of your trips.

Snowbirds who go back and forth from Canada to their winter residence will often tailor their stays to remain within the 30 or 35 days that their Annual Plan allows, thus not needing to go to the extra expense of a top up.

Enrollment Requirements

Single Trip Plans and Multi Trip Annual Plans have the similar enrollment requirements.

For example, depending on your age, you may be required to answer a medical questionnaire prior to enrolling.

If your Single Trip or Annual Plan did not require a medical questionnaire, your coverage will be subject to the policy’s Pre-existing condition period or Stability and Eligibility clauses. These will apply from the date you depart on your trip, not the date you purchased your trip.

If there is a change in your medical status between the date your enrolled and the date you depart on your trip, you must contact the insurance company to update them about your medical conditions.

If you have an Annual Plan and your medical condition changes in any way during your year long coverage period, be sure to inform your insurance provider right away, as this might affect your coverage. This includes a change to your medication, or a new medication.

Finally - Ask your agent or broker BEFORE you buy!

When you’re speaking to your agent or broker about purchasing or renewing your snowbird travel insurance policy, make sure you ask them to compare single-trip plans vs. annual plans. To help make this process go smoothly, be sure to have a good idea of what your upcoming travel dates are.

An experienced travel insurance broker/agent will know the right questions to ask so they can properly

compare plans and recommend the best option for you based on coverage, price and your travel plans.

And remember, you should always follow the advice from the Travel Health Insurance Association of Canada: “Know Your Health. Know Your Trip, Know Your Policy.”

Disclaimer:  The material provided on the SnowbirdAdvisor.ca website is for informational purposes only and does NOT constitute legal, tax, accounting, financial, real estate, medical or other advice, and should not be relied on as such. If you require such advice, you should retain a qualified professional to advise you.

Snowbird Services & Resources

The travel insurance specialists for snowbirds, boomers and seniors. Get the right coverage at the right price...

Free prescription medication delivery + virtual doctor visits and more...

Save on currency exchange with preferred rates from Snowbird Advisor...

Have your car shipped between Canada and the U.S. for the winter...

modal-shelf#titleToggle"> Get a Free Membership

Snowbird Advisor members receive exclusive snowbird tips, tools, offers, services and more!

We respect your privacy and will never share your personal information. View our Privacy Policy. Cross Border Media Inc. | 430 - 245 Eglinton Avenue East, Toronto, ON M4P 3B7

We keep your e-mail safe. You can unsubscribe at any time. Privacy policy.

HelloSafe » Travel Insurance » Snowbirds

Best travel insurance for snowbirds in 2024

comparatorTitles.name

The term snowbird refers to travellers who flock to warmer, sometimes tropical climates, to escape the frigid winter months back home. These are often senior citizens or retirees. Snowbirds living part-time outside of Canada can face serious out-of-pocket expenses for their medical care.

Did you know that the average cost for treatment for a heart attack in the United States is $21,500? And that the hospital stay is an average of 5.3 days? Some patients may even end up paying upwards of $100,000 when surgery is involved.

If you are growing tired of spending winter months in Canada's bone-chilling cold and would rather spend your days with your toes in the sand, this guide will break down what snowbird insurance is, why you need it and the best plans currently available on the market.

Top 5 best snowbirds travel insurance for 2024

• Manulife: No deductibles on its snowbird travel insurance

Destination snowbird insurance: 5% discount with a travelling companion

• Tugo snowbirds travel insurance: Covers all ages
• Allianz snowbirds travel insurance: Pet and car return included

soNomad: the most affordable snowbirds travel insurance

Top 5 best travel insurance for canadian snowbirds.

You are ready to pack your flip-flops and golf clubs, and know you need snowbird insurance before you hop on your flight. Not sure which travel insurance provider to choose?

Popular private travel insurance providers in Canada include:

Manulife: no deductibles on its snowbird travel insurance

Manulife is a reknown insurer in Canada, offering several travelling plans, such as:

• Single trip emergency medical
• Single trip all-inclusive
• Trip cancellation and interruption
• Covid-19 pandemic travel plan

This Covid-19 additional coverage can protect you from unexpected emergency medical expenses related to the pandemic. This plan offers up to $5 million for non COVID-19 related expenses and up to $1 million for COVID-19 related expenses.

• Multi-trip emergency medical
• Multi-trip all-inclusive

Some of the best features of Manulife's travel insurance include:

• Complete and comprehensive options for all travellers' profiles.
• The published rates for all plans include a zero deductible.
• Manulife's plans are available from the age of 30 onward.
• Possibility to extend your coverage while you're on your trip (under conditions).

Destination's travel insurance offer for snowbirds is one the most, if not the most, complete insurance plans on the market . Destination will cover your emergency medical care up to $5,000,000 CAD and covers the following:

• hospitalization
• out-patient services
• prescription drugs
• emergency transportation

Destination's snowbird policy can be purchased after departure from home province , which is not a feature all insurers offer. And, amongst its other benefits, we can also mention:

• A Covid-19 coverage (under certain conditions)
• A discount of 5% on its single trip plan for anyone with a travelling companion.
• An insurance plan available until the age of 89.

On the other hand:

• Destination applies a smoking surcharge of 15% if you smoked or used tobacco products within 24 months prior to your departure date.

Tugo snowbirds travel insurance: covers all ages

TuGo is a licensed insurance agency in all Canadian provinces and territories. It offers several plans for Canadiant travelling outside of Canada:

• Emergency medical insurance (Multi and single trips)
• Trip cancellation and interruption or Trip interruption only (Multi and single trips)
• Accidental death and dismemberment insurance (Multi Trip Annual and Single Trip)
• Non medical package (Single Trip)
• All inclusive Holiday package (Single Trip)

Some of the benefits covered by TuGo are the following:

• Ambulance services and emergency dental services
• X-rays and other diagnostic lab tests
• Prescription drugs
• Vision care and hearing aids
• Return of your travel companion
• TuGo Telemedicine (in the US only).

Other TuGo features include:

• Possibility to extend your coevrage if you’re already away and decide to stay a bit longer.
• TuGo' emergency medical Insurance covers all ages.
• TuGo's medical insurance covers Covid-19-related medical emergencies.

Allianz snowbirds travel insurance: pet and car return included

Allianz travel insurance offers plans for snowbirds and long-term travellers. Its main benefits are the following:

• Emergency medical care (up to $10,000,000) and transportation
• Meals and Accommodation ($300/Day - Max. $5,000)
• Vehicle Return ($5,000): covers certain costs related to returning your vehicle or rental vehicle if a medical emergency prevents you from doing so.
• Pet return ($500): reimbursement for the cost of returning your pet(s) travelling with you.
• 24-Hour Assistance all over the world

On the downside:

• Allianz requires a medical questionnaire for travellers above the age of 70
• Allianz does not cover travellers above the age of 84.

soNomad snowbirds travel insurance policy covers the following:

• coverage for emergency medical care
• Covid-19 coverage at no extra cost
• coverage for pre-existing medical conditions
• wide range of deductibles to choose from
• annual multi-trip options
• no administrative fees for date changes or cancellations

Other benefits of soNomad travel insurance for Canadians snowbirds include:

• a coverage accessible to snowbirds of all ages
• best rates on the market (up to 25% saved on your plan's price)
• 24/7 emergency assistance
• possible to subscribe after departure

By far one of the best products currently on the market. Only downside to this insurance would be its highly digital user experience (not for all seniors' cup of tea!).

What is snowbird travel insurance?

Snowbird travel insurance is single or multi-trip travel insurance that covers seniors spending the winter months away from home in a warmer climate . The insurance covers unforeseen medical complications and new medical conditions that develop. Many snowbirds from Canada travel to warm parts of the United States, like Arizona, Florida or New Mexico. Others decamp to places like Mexico or Costa Rica. While Canadians are well-covered by provincial insurance plans and supplemental private health plans while at home, that is not always the case while away at a sunny Caribbean beach. Not only are seniors more likely to need medical care while away, but the cost of medical care is also on the rise every year.

Good to know

Pre-existing conditions and routine maintenance or preventive care are typically excluded from snowbird travel insurance plans, but there are exceptions. Some insurance companies will cover controlled and stable pre-existing conditions.

What does travel insurance for snowbirds cover?

Snowbirds insurance makes a distinction between:

• Single-trip snowbird insurance: It covers you for a specified trip duration assuming you only stay in one place during that time. Do not worry if you end up staying at your destination longer, most plans allow you to extend the dates of your trip.
• Multiple-trip snowbird travel insurance: If you plan to make multiple trips to multiple destinations, it may be cost-effective to purchase an annual multi-trip travel insurance plan. Keep in mind, you can take any number of trips. Note that coverage for each trip may be limited to 30 or 45 days, depending on the terms of the policy.

What is covered by snowbirds insurance

Travel medical insurance for snowbirds commonly covers the following medical expenses:

• Medical treatments
• Prescription medications
• Paramedics and ambulance rides
• Repatriation to Canada
• Emergency dental care

What is not covered by snowbirds insurance

• Snowbird insurance policies do not usually cover elective treatments. Those should happen before you leave or wait until you return to Canada.
• Pre-existing conditions are also rarely covered. Some plans do include this guarantee though. A quick comparison of the market's offers should help you identify them.

Does snowbird insurance cover Covid-19?

Many insurance companies have started offering Covid-19 travel insurance coverage, so it is entirely possible to get it covered with your snowbird travel insurance. It is important to note, however, that coverage varies greatly under these insurance policies.

Some companies are also offering a Covid-19 rider add-on that will cover costs associated with the virus. Other companies may exclude Covid-19 coverage depending on pre-existing conditions you may have.

If you have a trip coming up, we highly recommend reviewing the terms of your policy carefully. Stay up to date by calling your insurance company or broker before leaving.

How much does snowbird travel insurance cost?

Average snowbird insurance price.

Our team was quoted $527.70 for a standard plan for a 63-year old with no major illnesses or pre-existing conditions travelling outside of Canada for 62 days. Like with many standard private health insurance plans, prices depend on:

• policy maximums
• insurer, location
• duration of coverage needed.

Also keep in mind that if you are over the age of 59, a lot of companies will require you to complete a medical questionnaire.

Remember to answer the questions truthfully. Omitting underlying health conditions may disqualify you from getting reimbursed for care while outside of Canada. This can leave you responsible for paying a hefty medical bill all on your own.

5 tips to get the cheapest travel insurance for snowbirds

There are some easy steps you can do to try to save money on your snowbird travel insurance:

• Inquire about discounts . For example, some companies like Destination offer a 5% discount if you have at least one shot of the Covid-19 vaccines while other companies offer companion discounts if you book your insurance with your partner.
• Make an appointment with your doctor, dentist and optometrist to make sure you are healthy, before heading south. Treatment back home is easier to access and less expensive than while away. They can help you be sure you are not suffering from any surprise pre-existing conditions that could be excluded from your travel insurance policy or increase your premium.
• Make sure your prescriptions are up to date and get them filled before leaving.
• Check your coverage amounts. It is a good idea to have a minimum of $100,000 in coverage. Medical care is expensive, but you may not require the $5 or $8 million coverage that some plans offer. Lower coverage amounts will bring down your premium significantly.
• Compare online options! To do so, refer to our comparison tool at the top of this page and get free snowbirds travel insurance quotes.

How is snowbird insurance different from medical travel insurance?

At a glance, snowbird insurance and medical travel insurance may seem like one and the same. The lines certainly blur. In fact, many providers do not use the term snowbird. Snowbird medical insurance can be thought of as an unofficial type of travel medical insurance catering specifically to seniors travelling for a long time.

There are a few important distinctions:

Snowbird travel insurance policies are also usually better adapted to working within the US healthcare system

How long can snowbirds keep their health insurance while being away?

Each province has different rules regarding how long you can spend out of your home and also keep your provincial health insurance.

It is important to spent some time each year at home in order to maintain residency and access to provincial health plans.

Provincial minimum residency requirements are as follows:

Are you planning to get away this winter? Compare the best travel medical insurances for canadian snowbirds currently on the market by using our free comparison tool below:

Compare the best travel insurance plans on the market!

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

This message is a response to . Cancel

If i go to India for 5.5 months, from Toronto, Ontario, will I receive the OHIP Coverage while in India for emergency medical conditions and hospitalization?

Hi Asit, When travelling abroad, your OHIP coverage is limited. Doctor services, emergency inpatient and outpatient services are covered up to a maximum. Other services such as ambulance services are not. You can find more information about Out of Country coverage on the Government of Ontario website.

Have a nice day, The HelloSafe team

if you have a pre-existing condition and travel to another province in Canada does OHIP cover medical costs in the event you need medical care for pre-existing condition

Hi John, OHIP does not consider pre-existing conditions separately. As long as you have a valid OHIP card, every condition is covered, pre-existing or not. When you travel outside of Ontario, your OHIP card allows to to be covered for physician services and every services provided in a public hospital. However, your coverage of ambulance services, prescription drugs, assistive devices or home-care services do not follow you outside of Ontario. If you are away for more than seven months, you need to confirm you coverage before leaving by calling ServiceOntario to determine what you may need to do.

Snowbird Advisor Insurance

COVID-19 Travel Insurance Coverage Options - UPDATE LEARN MORE

The Travel Insurance Specialists for Snowbirds, Boomers and Seniors

Travel insurance solutions for snowbirds, boomers and seniors.

We offer a variety of travel insurance plans and policies to meet the needs of every traveller

Whether you're travelling to the U.S. or somewhere more exotic, it's essential to make sure you have the right travel insurance coverage.

The cost and quality of medical care can vary greatly from one country to another, and not having the right travel insurance policy can lead to financial ruin if you suffer a medical emergency.

Our experienced agents can help you compare and combine multiple travel insurance options for snowbirds and seniors  to help you find the best solution to meet your individual needs, regardless of your travel habits or destination! 

READ FULL POLICIES

Annual Multi-Trip Travel Medical Insurance for Snowbirds and Seniors

Trip cancellation and interruption insurance for snowbirds and seniors, all-inclusive travel insurance plans for snowbirds and seniors, personalized travel medical plans for snowbirds and seniors, top-up travel medical insurance for snowbirds and seniors, single-trip travel medical insurance for snowbirds and seniors, travel insurance:.

Manulife coverage is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company , a wholly-owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.* Manulife and the Block design are trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates under license. 

Blue Cross coverage is underwritten by Canassurance Hospital Service Association and/or Canassurance Insurance Company .*

* Certain terms, conditions, limitations, and exclusions apply, see policies for details. Some products may not be available in all provinces.

Home & Auto Insurance:

Home and Auto insurance is arranged by Canadian Insurance Alliance (2018) Inc. o/a HUB SmartCoverage (all rights reserved) and is underwritten by a number of Canadian insurers.

Home and Auto insurance is only available in Ontario and Alberta at this time.

Why snowbirds should shop around for the best travel insurance policies

This is Globe Advisor’s weekly newsletter for professional financial advisors, published every Friday. If someone has forwarded this newsletter to you via e-mail, or you’re reading this on the web, you can register for Globe Advisor , then sign up for this newsletter and others on our newsletter sign-up page . For more from Globe Advisor, visit our homepage .

With winter weather now here, snowbirds are returning south of the border to escape the cold. But life is more expensive, so to save costs, they may just stay for part of the season instead of the maximum 180 days, says Michael Camacho, president of The Travel Health Insurance Association of Canada in Toronto.

He notes that snowbirds spend quite a bit of time investigating travel insurance policies and comparing prices. Mr. Camacho spoke recently with Globe Advisor about those options and how advisors can best assist their snowbird clients.

What sorts of travel insurance options are available to snowbirds?

Snowbirds typically have two options for travel medical insurance. They have per-trip plans for a specific number of days away from their province, and multi-trip annual plans in which they choose the maximum number of days for each trip during a 12-month period. So, it could be 15 days, 30 days or 40 days. If any one trip is longer, they can buy extension coverage for the extra days.

Has the pandemic made travel insurance more expensive?

Yes, it has, and like everything else, inflation, in particular medical inflation in the U.S., has caused insurance rates to increase. Exchange rates are also a large factor in setting premiums, as are older snowbirds who have multiple medical conditions. And if the snowbird is going south for six months, for example, then the exposure faced by both the snowbird and the insurer is greater.

The majority of companies offering travel medical coverage now cover COVID-19 so the client should make sure they speak to their travel provider to ensure they are covered.

What do advisors need to tell snowbird clients about travel insurance?

Given the high cost of claims, clients need to know why it’s important to have travel insurance. They need to know the stability period of their policy and about other exclusions. Does it cover mountaineering or scuba diving, for example?

Clients should also investigate whether they have any retiree benefits and the length of that coverage.

Advisors should review the travel questionnaire with clients. Clients don’t want to miss or not disclose a condition. And when they get the actual travel insurance policy, review the answers again, along with the coverage. If something isn’t right, call the travel insurance provider right away and let them know to correct the response.

– Deanne Gage, Globe Advisor reporter

This interview has been edited and condensed.

Must-reads from Globe Advisor this week

An advisor’s personal lesson on market diversification and what keeps her up at night

In this new series, Behind the Advice, we ask advisors about their relationship with money from a young age, lessons learned over the years, and how their experiences influence the advice they give clients today. Trixie Rowein, senior portfolio manager and financial advisor with PAX Portfolio Advisory at Raymond James Ltd. in Edmonton, discusses her brush with entrepreneurship as a child growing up in Edmonton and offers advice for women looking to pursue a career in finance. As told to Brenda Bouw.

How life insurers are simplifying the application process to increase uptake

Per Homer doesn’t miss the bulky life insurance contracts he used to drive over to clients’ homes for signing. There would be multiple home visits, a lengthy medical questionnaire to fill out, a nurse’s visit to do bloodwork, and a requirement for the applicant’s physician to prepare a report. Then, the pandemic hit and the changes that life insurers had been toying with became the new way of doing business, says Mr. Homer, senior financial planning advisor with WWH Financial Group at Assante Financial Management Ltd. in Mississauga. Anna Sharratt reports.

How this portfolio manager achieved double-digit returns amid volatile markets

Money manager Ed Sollbach isn’t buying big bank stocks to balance his portfolio or betting on the hottest artificial intelligence play for growth. Instead, the portfolio manager at Spartan Fund Management Inc. in Toronto puts together a mix of high-yielding large and medium-cap equities and lesser-known micro and small-cap securities he believes are set to rebound. Mr. Sollbach refers to it as a “core and more” strategy for the $65-million Spartan Fund Management MM Fund he oversees. He says the strategy has enabled the fund to generate double-digit compounded annualized returns since its inception in 2015. Brenda Bouw asks what he has been buying and selling.

Wealth management firms leverage advanced financial planning tools as battle for advisor talent intensifies

A technology arms race is underway among wealth management firms in Canada to retain and attract advisors. Specifically, they’re investing in advanced financial tools to ensure advisors can engage in more complex financial planning for clients, serve them better and gain an edge. Notably, several non-bank-owned wealth management firms are embracing the innovation fray, often able to adopt new financial planning software more quickly. “Smaller firms have that ability to pivot,” says Cameron Smith, vice-president of advisory services and client-relationship manager at Nicola Wealth Management Ltd. in Vancouver, a boutique wealth management firm that serves high-net-worth clients. Joel Schlesinger reports.

Six dividend stocks for bargain-hungry investors

More ESG-driven investors may be reconsidering defence companies amid threats to democracy

Recession readiness has made businesses stronger but three key risks remain

How changes to the alternative minimum tax will affect large donors’ charitable contributions

Q3 GDP to show whether Canada is in a technical recession in this week’s Advisor Lookahead

What you and your clients need to know

Securities regulators propose dispute settlement system for investors

Canada’s securities regulators want to design a binding dispute resolution process that would require investment firms to pay monetary fines if it is determined they committed wrongdoing against retail investors. The Canadian Securities Administrators – the umbrella organization of Canada’s provincial and territorial securities commissions – is proposing to modify the industry’s complaint handling process to require all Canadian investment firms to comply with any final decision made by a “designated ombudservice.” Clare O’Hara provides more details.

Ottawa to exempt Canadians from underused housing tax filings, with one exception

In the latest twist around a new federal tax on foreign-owned underused and vacant homes, Ottawa is proposing to largely scrap filing requirements that would also affect many Canadian and permanent resident homeowners and some Canadian corporations. But the changes would only apply starting in 2023, excluding the year 2022, when the measure first came into effect. The government presented the proposed amendments to the underused housing tax (UHT) in its 2023 fall economic statement. Erica Alini reports.

Government impersonation, phishing among biggest financial scams targeting Canadians, survey finds

Government impersonation is one of the most common financial scams plaguing people across Canada, a new survey from payment processing company Interac Corp. has found. The report, released Tuesday, said 42 per cent of survey respondents reported dealing with scammers pretending to be representatives of official government institutions. That was followed by 41 per cent for phishing scams and 33 per cent with fake banking, credit card and online account scams. Rikita Dubey has more.

Boomer women are mostly ignoring annuities in their retirement planning – is that a mistake?

Now happens to be a great time for all retirees to consider an annuity for retirement income, but particularly women. It looks more and more like we’re at a peak for interest rates, which play a big role in determining the payout from annuities. Lower interest rates in the future mean a lump sum of money used to buy an annuity will pay out less than you’d get today. If you don’t have a company pension, an annuity is worth considering as a way to convert a slice of your retirement savings into a guaranteed stream of income for life. Annuities can be a fit for all retirees, but women especially because they live longer on average than men. Rob Carrick provides some details.

– Globe Advisor Staff

Report an editorial error

Report a technical issue

Editorial code of conduct

Follow related authors and topics

• Adviser Follow You must be logged in to follow. Log In Create free account
• Travel insurance Follow You must be logged in to follow. Log In Create free account

Authors and topics you follow will be added to your personal news feed in Following .

Interact with The Globe

Health & Dental Quotes

• Health Insurance
• Dental Insurance
• Group Benefits
• Disability Insurance
• Critical Illness Insurance

Life Insurance Quotes

• Life Insurance
• No Medical Life Insurance
• Mortgage Life Insurance
• Funeral Insurance

Home and Auto Quotes

• Auto Insurance
• Home Insurance
• Condo Insurance
• Renters Insurance

Pet and Travel Quotes

• Travel Insurance
• Snowbird Travel Insurance
• Super Visa Insurance
• Pet Insurance
• Affordability Calculator
• Closing Cost Calculator
• Payment Calculator

COMPARE CREDIT CARDS

• Best Credit Cards in Canada
• Best No Annual Fee Credit Cards
• Best Rewards Credit Cards
• Best Cash Back Credit Cards
• Best Travel Credit Cards
• Best Business Credit Cards
• Best Student Credit Cards
• Best Credit Score Builder Cards
• Best Low Interest Credit Cards
• Best Balance Transfer Credit Cards
• Best No Foreign Exchange Credit Cards

OUR FEATURED CREDIT CARDS

• Neo Financial

CREDIT CARD REVIEWS

• Neo Financial Review
• Tangerine Money-Back Credit Card Review
• Scotiabank Value Visa Card Review
• Scotiabank No Fee Credit Cards Review
• Refresh Financial Secured Credit Card Review
• HBC Mastercard Review

CREDIT CARD GUIDES

• Annual Fee on a Credit Card - Is It Worth It?
• The Difference Between Mastercard and Visa: Answering Your Questions
• Purchases You Should Always Charge on Your Credit Card
• Why Having More than One Credit Card Makes Sense
• Spend to Earn: How to Earn Credit Card Reward Points Quickly
• Building Credit with a Credit Card
• Charge Card vs Credit Card: Understanding the Difference
• Easy Ways to Lower Your Credit Card Interest Rates
• Secured vs Unsecured Credit Card; The Best Way to Build Credit
• Personal Loans
• Business Loan
• Debt Relief
• Bank Accounts
• Free Credit Score
• Provincial Health Insurance Plans
• Insurance Companies
• Insurance Forms
• Insurdinary Reviews

CANADA RESOURCES

• My Service Canada Account: Step-by-Step
• SIN Number Application: Step-by-Step
• My CRA Account: Step-by-Step
• Canada Immigration 101
• Home 101: Understanding Your Home
• First-Time Home Buyer Guide in Canada
• Tax Resource for Canadians
• Beginner's Guide for New Drivers
• Canada's Food Guide
• Common Law Guide in Canada
• Pregnancy Guide for Canadians
• Renters and Landlords Guide
• Retirement Guide in Canada
• Best Places to Live in Canada
• Best Places to Retire in Canada
• 11 Best Places to Visit in Canada in the Wintertime
• Best Travel Destinations in Canada
• Best Travel Destinations for Canadians
• How to Log In
• How to Submit Claims
• 9 Benefits of Using A Health Insurance Broker
• Health Insurance for International Students in Canada
• The Complete Guide to Life Insurance
• Ultimate Guide to Buying Life Insurance at Every Age
• Best Life Insurance Options for Seniors
• Understanding Life Insurance for Children
• Understanding Life Insurance for Couples
• 6 Life Insurance Mistakes to Avoid
• Life Insurance for Drug Users
• Can Smokers Get Life Insurance
• Can Alcoholics Get Life Insurance
• Can I Get Life Insurance If I Have Asthma
• Can I Get Life Insurance If I Have Diabetes
• Can I Get Life Insurance If I Have Epilepsy
• Can You Get Life Insurance After A Stroke
• Can You Get Life Insurance with Cancer
• Canadiens Vs Maple Leafs - Digging Into The Rivalry
• How to Speak Canadian the Right Way
• Canada Road Trips
• How to Have a Side Hustle in Canada
• Top 5 Tourist Places in Each Province Revealed
• Top 5 Places to Go Glamping in Canada
• Best Free Tax Return Software for Canadians
• What Not to Post on Social Media while Traveling
• The Average Cost of Raising a Child in Canada
• The Real Cost of Owning A Pet in Canada
• The Real Cost to Build a House in Canada
• The Real Cost of Owning a Cottage in Canada
• The Real Cost of Owning a Boat in Canada

IN THE PRESS

• Insurdinary Surpasses 1000 Reviews!
• How Insurdinary Rakes in Great Reviews
• Optimize Your Finances with Insurdinary’s Expense Tracker App
• Insurdinary's Online Life Insurance Quoter: How It Works
• APOLLO Insurance Partners with Insurdinary

RESEARCH STUDY

• How COVID-19 Impacted Your Opinion on Life Insurance
• How COVID-19 Impacted Your Opinion on Travel Insurance
• Injured or Hospitalized While on Vacation
• How Do You Prefer to Buy Life Insurance
• Compare. Save. Get the Best Rates. Get Quotes Contact Us

Find Snowbird Travel Insurance Online

What is Snowbird Travel Insurance?

What is a snowbird, doesn’t my provincial health insurance plan cover me, what should my snowbird insurance cover, find the right snowbird travel insurance in minutes, get quotes fast.

Lowest Rates

Easy Sign Up

Escape the cold and be prepared with the best snowbird insurance.

How to Save Money On Your Snowbird Insurance

Compare rates, go for coverage bundles, ask for discounts, don’t go for the extremes, types of snowbird travel medical insurance, trip cancellation insurance, multi-trip travel insurance, travel health insurance, baggage insurance, protect your health, your family and your belongings.

Snowbird Travel Insurance Frequently Asked Questions (FAQ)

What is snowbird travel insurance, won’t my provincial health insurance cover me, how do i get a quote for snowbird travel insurance, how does snowbird travel insurance work, what happens if i don't have travel insurance, get the lowest rates on all types of insurance.

Stay Warm & Fly Safe Get Personalized Insurance Quotes Now

Let's get started, insurdinary blog.

• Advice & Tips

• Auto Insurance
• Antique & Classic Vehicles
• Commercial Auto Insurance
• Trailers, Campers & RV Insurance
• Motorcycle Insurance
• ATV Insurance
• Dirt Bike Insurance
• Snowmobile / Ski-doo Insurance
• Renters Insurance
• Condo Insurance
• Home Insurance
• Mobile Home Insurance
• Rental Property Insurance
• Seasonal & Cabin Insurance
• Watercraft Insurance
• Emergency Medical Insurance
• Trip Cancellation and Interruption Insurance
• Visitors to Canada Insurance
• COVID-19 Pandemic Travel FAQS
• Architects, Engineers & Geoscientists
• Consultants & Professional Services
• Contractor Insurance
• IT Consultant Insurance
• Photography Insurance
• Realty Insurance
• Surety Bond
• Corporate Farming Insurance
• Dairy Farm Insurance
• Grain & Cash Crop Insurance
• Hail Insurance
• Hobby Farm Insurance
• Ranch & Livestock Insurance
• Health Insurance
• Life Insurance
• Disability Insurance
• Critical Illness Insurance
• Loan Protection Insurance
• Group Benefits Insurance
• Key Person Insurance

What is the Best Travel Insurance for Canadian Snowbirds?

Are you a Canadian snowbird preparing for your annual winter escape to warmer climates? As you plan your trip, it’s crucial to secure the perfect travel insurance coverage to ensure a worry-free vacation. With so many options available in the market, choosing the right travel insurance can feel overwhelming. But fear not because we’re here to guide you through the process of selecting the perfect travel insurance for Canadian snowbirds. We understand that, as a snowbird, you have unique travel needs, and it’s essential to have coverage that aligns with your specific requirements.

Whether you’re heading to sunny Florida, Arizona, or anywhere else around the world, this article will provide you with valuable tips and insights to help you make an informed decision. From understanding essential coverage options to comparing different plans, we’ll break it down for you into manageable steps. Don’t let the fear of the unknown dampen your winter escape. With the right travel insurance, you can enjoy your time in the sun worry-free. So, let’s dive in and ensure you have the perfect coverage for a smooth and enjoyable snowbird season.

Why is Travel Insurance Important for Snowbirds?

Retirement may be the time in your life when you can make those travel dreams come true, but it also comes around the age when travel insurance gets seriously more complicated. Many travellers think they can get whisked back to Canada by plane in a medical emergency. However, there have been instances where a person in medical distress has been deemed unable to fly, leaving them at risk of paying large sums out of pocket without insurance. Relying on your credit card’s basic insurance likely will not cut it either, as credit card insurance often comes with limitations, including restrictions on trip duration and age eligibility.

Types of Travel Insurance Coverage

Canadian snowbirds generally have two options for travel medical insurance plans : Single Trip Plans and Multi-Trip Annual Plans. The choice between these two types of policies depends on your travel plans over the winter and throughout the year, as well as how long you expect to be outside your province of residence in one stretch.

Single Trip Plans

Single Trip Plans are purchased on a per-trip basis, with the coverage period based on the specific travel dates provided at the time of purchase. If you plan on coming back to Canada at any point over the winter and then returning to your winter destination, you may still be able to purchase a single trip plan that covers the entire period, including the days you are back in Canada, even though there are no benefits while you’re back home.

Annual Plans

An Annual Plan, also known as a Multi-Trip Plan, allows you to purchase your travel medical insurance policy on an annual basis, providing coverage for an unlimited number of trips over a full year, up to a maximum specified number of days per trip. Longer durations may be available, so it’s important to check with your insurance company. When counting the number of trip days, your departure date is considered “Day 1” of your trip. The benefits, limits, conditions, and exclusions for both Single Trip Plans and Annual Plans are similar, with the main difference being that the former ends once you return to your province, while the latter ends 365 days from the date of purchase.

Comparison of Popular Travel Insurance Providers

When it comes to choosing a travel insurance provider for Canadian snowbirds, there are several options to consider. Three examples of travel insurance providers are Bluecross Insurance , GMS Insurance , and Tugo Insurance . It’s important to understand the terms and conditions of each provider, as well as any specific requirements or limitations they may have. For example, depending on your age, you may be required to answer a medical questionnaire before enrolling. If your plan does not require a medical questionnaire, your coverage will be subject to the policy’s pre-existing condition period or stability and eligibility clauses.

How to Save Money on Travel Insurance for Snowbirds

Annual Plans can be an extremely convenient option for snowbirds who are frequent travellers and can sometimes be a more cost-effective solution than Single Trip plans, depending on how often you travel and the length of your trips. Snowbirds who go back and forth from Canada to their winter residence often tailor their stays to remain within the allowed number of days per trip, thus avoiding the extra expense of a top-up.

Tips for Making a Travel Insurance Claim

In the unfortunate event that you need to make a travel insurance claim, there are several tips to keep in mind to ensure a smooth process:

• Review your policy : Familiarize yourself with the coverage and limits of your policy before making a claim.
• Document everything : Keep all relevant documentation, including receipts, medical reports, and any other supporting evidence.
• Contact your insurance company: Notify your insurance company as soon as possible and follow their instructions for filing a claim.
• Provide accurate information: Fill out all claim forms accurately and honestly, providing all necessary details.
• Keep copies: Make copies of all documents and correspondence related to your claim for your records.

When speaking to your advisor or broker about purchasing or renewing your Snowbird travel insurance policy, make sure to ask them to compare single-trip plans vs. annual plans. To ensure a smooth process, have a good idea of your upcoming travel dates. An experienced travel insurance broker will know the right questions to ask to properly compare plans and recommend the best option for you based on coverage, price, and travel plans.

With the right travel insurance coverage, you can embark on your winter escape worry-free, knowing that you have protection and support in case of any unforeseen circumstances. So, don’t let the complexities of travel insurance deter you from enjoying your snowbird season. Take the time to research and choose the best travel insurance for your needs, and make the most of your time in the sun. Safe travels!

Thanks for reading our article; I hope you enjoyed this month’s topic on travel insurance for snowbirds. Here are some more ways to access more insurance information and tips:

• Visit our  Blog/article  page each month, where we publish various insurance articles and share information on specific industry products:

→ Learn more or get a quote for Travel Insurance and visit our PRODUCT PAGE

2. Follow us on LinkedIn to stay up to date on the latest business insurance articles and follow our company updates:

SUBSCRIBE ON LINKEDIN

Posted in Travel on November 30, 2018 by Harvard Western Insurance

Recommended Articles

Buy Travel Insurance: How to Prepare for your Trip Against COVID-19

5 Essential Car Insurance Coverages You Should Consider Adding

10 Tips to Protect Your Home from Flood Damage | Home Insurance

• Skip to Navigation
• Skip to Main Content
• Skip to Footer

Snowbird Vacation, Trip & Travel Insurance

In this article:.

When it comes to choosing travel insurance for your next snowbird vacation, there are a few key things to keep in mind. Firstly, you'll want to make sure that your policy covers you for the entire duration of your trip. This is particularly important if you're planning on a longer stay, as you don't want to find yourself without coverage midway through your holiday.

Secondly, it's essential to consider what type of coverage you need. You'll want to ensure that you have adequate coverage for any potential injuries. Additionally, you may want to consider coverage for trip cancellation or interruption, in case unforeseen circumstances prevent you from travelling.

Of course, budget is always a consideration when choosing travel insurance. It's important to find a policy that offers the right level of coverage for your needs, without breaking the bank. This is where our handy comparison tool comes in - simply enter some basic information about your trip, and we'll show you a list of policies from leading insurers. From there, you can compare coverage options and prices to find the perfect travel insurance for your snowbird vacation.

What is a snowbird?

For many Canadians, winter is a time to escape the bitter cold and snow at home and travel to warmer climes. They yearn for somewhere warm, preferably with swaying palm trees and a stunning beach in sight. Who wouldn't want to enjoy a tropical paradise while their hometown is buried under layers of snow?

These winter travellers, affectionately referred to as ‘snowbirds’, typically travel for extended periods to escape the harsh winter months. They often spend weeks or even months away from home, soaking up the sun and enjoying the tropical breeze. And while it’s wonderful to escape the winter, many people don't realize the amount of planning that goes into taking care of all the details beyond selecting a tropical region to temporarily relocate to.

Having the right snowbird travel insurance coverage for your vacation is an important consideration. It can help ensure your peace of mind while you're away and protect you from unexpected events that could spoil your stay. So, don't forget to pack your suntan lotion, your swimsuit and your snowbird travel insurance policy before you head off into the sun!

What to consider when choosing a snowbird travel insurance policy?

At Compare Your Travel Insurance, we believe that every snowbird is unique, with different travel insurance requirements that reflect their individual needs and holiday preferences. Whether you're taking a short break or an extended trip, it's essential that you have the right coverage to protect you from unexpected events and emergencies that could arise while you're away.

When choosing a policy, here are some key things you'll want to consider:

• The duration of your trip - when selecting a travel insurance policy, it's important to consider the duration of your trip. You'll want to make sure that your policy covers you for the entire length of your stay, including any potential delays or changes to your itinerary. This will ensure that you are fully protected and can enjoy your travels with peace of mind.
• The type of coverage you need - it's important to assess the type of coverage you require. Are you looking for emergency medical coverage in case of unexpected illness or injury while abroad? Or perhaps you're more concerned with trip cancellation or interruption coverage to protect your investment in case of unforeseen circumstances such as flight cancellations or natural disasters.
• Coverage for pre-existing medical conditions - it's important to consider coverage for pre-existing conditions. Do you have any health issues that require ongoing or future treatment? If so, you'll want to ensure that your policy includes them. Whether it's asthma, diabetes, or any other pre-existing condition, having the necessary coverage can give you peace of mind and protect you from unexpected medical expenses.
• Your budget - remember that the cheapest policy might not always be the best option. You want to find a policy that not only fits your budget but also meets your specific needs. Take the time to research different policies and compare the coverage and benefits they offer. By doing so, you can ensure that you're getting the coverage you need without breaking the bank.

To ensure you have the best coverage that meets your specific needs, it's essential to compare policies and take note of any differences. Some policies may offer additional benefits like emergency evacuation coverage, while others may have specific limitations or restrictions. Taking the time to research and compare policies can help you make an informed decision and give you peace of mind while enjoying your time away as a snowbird.

Why is duration an issue?

Your travel insurance coverage is effective for the entire duration that you are a resident of Canada and while you have valid provincial health insurance coverage. It’s important to note that your home province imposes limits to ensure that you still qualify as a resident to be covered under the government’s health insurance plan. For example, some provinces allow you to be absent for a total of 182 days or 212 days in a calendar year. Before purchasing travel insurance, be sure to check your province's regulations regarding absence limits. Additionally, it's important to note that you should get a quote for travel insurance that will cover the specific time that you will be away from your home province. This is especially important if you are planning multiple trips to and from your home province, as you will need travel insurance protection for each specific trip. However, you may be eligible for an annual multi-trip policy where the trips you’re taking fall within the duration of coverage, such as a 4-day annual plan.

What do you mean by a pre-existing condition?

A pre-existing condition is a medical condition you've been diagnosed with or treated for before taking out travel insurance. Travel insurance comes into play in the event of an unexpected medical emergency, providing you with protection.

It's crucial to know your health and what your policy covers, especially if you're travelling for an extended period, such as a snowbird. Many travel insurance policies offer coverage for specific pre-existing conditions, provided they've been 'stable' for a fixed period before your departure. This duration is typically termed as the stability period and may be measured by changes in medication, flare-ups, changes to the condition, new or worsening symptoms, hospital visits, new tests, amongst other indicators.

Tailored coverage for pre-existing medical conditions is also available. Medically-underwritten policies provide more comprehensive protection for individuals with complex medical histories, accounting for the unique circumstances of each applicant.

Can I get coverage for pre-existing conditions online?

At Compare Your Travel Insurance, we understand how important it is to get the right coverage for your pre-existing health conditions. That's why we offer coverage for certain pre-existing conditions that may not have been stable within a standard policy's stability period.

If you're aged 60 or over, you can easily declare your pre-existing condition(s) through our user-friendly online medical questionnaire. This will help us offer the best coverage for your situation, giving you peace of mind as you travel.

Gone are the days of filling out complicated paper forms or waiting for your travel insurance provider to give you confirmation of coverage. In just a couple of minutes, you can compare plans from our panel of providers and find the best coverage for you. With Compare Your Travel Insurance, you can travel with confidence, knowing you have the right coverage for your needs.

Understanding Pre-Existing Medical Conditions

We recommend reading our Ultimate Guide to understanding all about pre-exisitng medical conditions, medical screening, and their impact on your travel insurance. Jump in now to learn more.

Why do I need to tell you about my pre-existing health conditions?

Travel insurers are there to provide peace of mind for your trips abroad. To ensure that you are fully covered, it is important to disclose any pre-existing medical conditions when taking out travel insurance. This will allow insurers to offer you coverage without a stability clause, meaning that if you require medical assistance whilst abroad for a pre-existing condition you have declared, you can rest assured that you'll be covered under your plan. By telling your insurer about all your pre-existing medical conditions, you can enjoy your travels with the knowledge that you're fully protected and have access to the medical care you need if anything unexpected happens.

What pre-existing conditions do I need to tell you about?

When you apply for a quote online, we will ask you some questions about your medical history to determine if you need to inform us about any pre-existing health conditions. This is because it is important for us to know your medical history in order to provide you with the most accurate quote possible.

If you have any pre-existing conditions (or have had them in the past), we will likely ask you about the different medications you are taking, if you have ever been hospitalised, and when your condition was first diagnosed. This information helps us to better understand your current medical situation and provide you with the most appropriate coverage.

Rest assured that all information you provide us is kept confidential and is only used to determine your eligibility for coverage. So, don't hesitate to be honest with us about your health history, it can make all the difference in getting the right coverage for you.

Compare snowbird travel insurance

We've made every effort to streamline the process of obtaining coverage for snowbirds, ensuring your experience is as effortless as possible. With our intuitive travel insurance comparison tool, you can quickly compare quotes from multiple insurance providers in one easy-to-use application.

Our platform leverages cutting-edge technology to provide you with the most comprehensive coverage options, tailored to your unique needs. Whether you're travelling for a short getaway or an extended stay, our coverage solutions will give you the peace of mind you need to enjoy your travels to the fullest.

So why wait? Plan your next adventure with confidence, knowing that we've got you covered every step of the way.

If you are planning on making several trips a year, then an annual multi-trip plan could save you time and money. It is worth comparing coverage and rates.

Healthcare in other countries can be very expensive, especially in the United States. A simple emergency room visit can cost someone a few thousand dollars without health insurance. More severe reasons for conditions could cost hundreds of thousands.  

Emergency medical coverage is the benefit of the policy related solely to those medical expenses, such as the doctor’s visit, hospital stay, prescriptions, ambulances – essentially any item related to your medical event. Items such as baggage loss or trip cancellation would not be covered under this benefit.

An all-inclusive coverage bundle provides additional coverage on top of emergency medical expenses with benefits such as baggage loss/delay and trip cancellation/interruption.

Some standard policies may provide limited coverage for COVID-19 based on the Government’s travel advisory levels. There are some policies that offer specific coverage for COVID-19 should the Government have a travel advisory in place to limit travel due to COVID-19. It’s always important to review your policy’s terms and conditions.

Don't just take our word for it...

See what other travellers like you have to say about our service.

Tommy has over 15 years experience within the insurance industry, having worked with some of the worlds largest insurers. Tommy’s primary focus has been developing the best possible online experience for travellers looking to compare travel insurance rates. Music and travel are two of Tommy's greatest interests, and even better when he can combine the two together!

Sign up for regular updates

Get the latest news, travel tips, and destination inspiration straight to your inbox.

Travel Insurance for Snowbirds – Complete Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Winter is coming and that means it’s time for snowbirds to start heading south. But before you pack your bags and head for the sun, make sure you have the best travel insurance for your needs. Here are some tips to help you get the coverage you need at a price you can afford.

In this article...

How to Get the Best Travel Insurance for Snowbirds

When it comes to getting the best travel insurance for snowbirds, there are a few things that you need to take into consideration. The first is the type of policy that you need. There are two main types of policies that you can get – single trip and annual .

Single-trip policies are good for people who only travel once in a while, while annual policies are better for those who travel frequently.

The next thing to consider is the coverage that you need. Most policies will cover medical expenses, but you may also want to look into policies that cover lost luggage or trip cancellation .

You should also make sure that the policy covers for the activities that you plan on doing while you’re away. For example, if you’re planning on skiing, you’ll want to make sure that your policy includes coverage for winter sports.

Finally, you need to consider the cost of the policy. Travel insurance can be quite expensive, so you’ll want to make sure that you’re getting the best value for your money. The best way to do this is to compare quotes from different companies.

This way, you can be sure that you’re getting the most coverage for the least amount of money.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What are the requirements for snowbirds to qualify for travel insurance?

There is no definitive answer to this question as insurance companies have different requirements, but there are some general things to keep in mind.

Most importantly, snowbirds should make sure that their travel insurance policy covers them for the duration of their trip. They should also check to see if there are any age limits or pre-existing medical conditions that might exclude them from coverage.

Additionally, it is always a good idea to read the fine print of any policy before purchasing it to make sure that you understand all of the terms and conditions.

What are the benefits of travel insurance for snowbirds?

There are many benefits to travel insurance for snowbirds. One of the most important is that it can help cover the cost of emergency medical care if you are injured while away from home. Travel insurance can also help cover the cost of canceled or interrupted trips, lost or stolen luggage, and other unexpected expenses that can occur while traveling.

How to get the most out of your travel insurance for snowbirds

Assuming you are a snowbird traveling from Canada to the US, there are a few key things to remember when it comes to getting the most out of your travel insurance.

First and foremost, it is important to make sure that your travel insurance policy covers you for both medical and non-medical emergencies while you are away. This includes things like lost luggage, trip cancellation, and emergency evacuation .

It is also important to remember that your travel insurance policy will likely have a limit on the amount of coverage you can receive. For this reason, it is important to make sure that you are familiar with the terms and conditions of your policy before you leave on your trip.

Finally, it is also important to keep in mind that your travel insurance policy may not cover you for everything.

For example, many policies will not cover you for pre-existing medical conditions or for activities that are considered to be high-risk.

With all of this in mind, here are a few tips to help you get the most out of your travel insurance policy:

• Make sure you are familiar with the terms and conditions of your policy before you leave.
• Make sure your policy covers you for both medical and non-medical emergencies.
• Keep in mind that your policy may have limits on the amount of coverage you can receive.
• Be aware that your policy may not cover everything.
• If you have any questions, be sure to contact your travel insurance provider.

What to look for when choosing travel insurance for snowbirds

When choosing travel insurance for snowbirds, it is important to consider the following factors:

1. Coverage

Make sure that the travel insurance policy you are considering provides adequate coverage for your needs. Consider the type of coverage you need (e.g. medical, trip cancellation, lost luggage, etc.), and make sure that the policy you are considering provides this coverage.

Be sure to compare the cost of different travel insurance policies before you choose one. Make sure you are getting the coverage you need at a price you can afford.

3. Exclusions

Read the fine print of any policy you are considering to make sure that there are no exclusions that could affect you. For example, some policies may exclude coverage for pre-existing medical conditions.

4. Claims process

Be sure to understand the claims process for the policy you are considering. Make sure you know what documentation you will need to submit in the event you need to make a claim.

5. Customer service

When you are dealing with a company, you want to be sure that they have good customer service. Be sure to research the company you are considering to see what others have said about their customer service.

By considering these factors, you can be sure that you are choosing the best travel insurance policy for your needs.

Get Free Consultation

Safe Travels USA Cost Saver

January 24, 2020

Safe Travels USA Comprehensive

January 23, 2020

Patriot Platinum

Visitors Care

Patriot International

Patriot America

January 22, 2020

Patriot America Plus

January 21, 2020

Atlas America

January 16, 2020

Nationwide Prime Travel Insurance Review

September 21, 2023

Nationwide Luxury Cruise Travel Insurance Review

Nationwide choice cruise travel insurance review, nationwide universal cruise travel insurance plan review, nationwide essential travel insurance plan review, all clear travel insurance – all you need to know.

August 4, 2023

CoverMore Travel Insurance: Everything You Need to Know

Staysure travel insurance: everything you need to know, post office travel insurance – everything you need to know, argentina expatriate health insurance – ultimate guide.

August 2, 2023

Visitcover.com is a travel insurance review portal that will help you choose the right travel insurance plan for your next trip. By bringing you unbiased, fact-checked, verified information about travel insurance companies, plans, claim processes, and everything that's usually mentioned in the fine print. Make informed decisions, with us!

Opening hours

09.00 - 22.00

09.00 - 18.00

09.00 - 16.00

4422 Flamingo Villas, Ajman Media City, United Arab Emirates

Call Us: +1-972-985-4400

[email protected]

© 2023 VisitCover.com

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Browser Tips: For a better experience on LowestRates.ca, please update your browser.

Compare cheap  snowbird travel insurance quotes for free. 

Know all about saving unexpected costs with Snowbird Insurance.

Compare snowbird travel insurance quotes.

Get the best rates on snowbird insurance in Canada

34,888 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

What is snowbird travel insurance.

Ah, Canadian winters. If you ski, they’re great but many of us try to escape the winter blahs, if possible. Those people are so-called snowbirds. And if you travel in winter (or any time, for that matter), you’ll want to investigate insuring yourself.

Snowbird insurance policies are designed for Canadians who choose to live in warmer climates for part of the year and who need broad medical coverage while they're away. In the event that some sickness or accident befalls you while you're down south, a robust snowbird policy will help protect you.

Not only will snowbird insurance pay for your medical expenses in a foreign country, but it'll also cover a variety of unfortunate travel situations, including trip cancellations or interruptions, lost or damaged baggage, and flight and travel accident expenses.

The main difference between regular travel insurance and snowbird travel insurance is the length of your trip. Most regular policies cover trips up to 21 days. Snowbird travel insurance is for much longer stays and can cover up to 212 days.

People, most often retirees, traveling to the US, to places like Florida, Arizona or California, already know that healthcare costs in those places can rack up bills into the thousands or even hundreds of thousands of dollars. Add to that the currency exchange to US dollars, and you’ll get sick all over again from the sticker shock of your hospital bill.

A good snowbird travel insurance plan will help you save money on those costs.

What does snowbird travel insurance cover?

Different providers offering snowbird travel insurance will have variations to their coverage, but most offer the following as part of their packages.

Medical Emergencies - This provides coverage for common and reasonable expenses incurred because of a medical emergency from an accident or sickness while you are away.

Prescription Drugs - Expenses for prescription medications are taken care of. In some cases, deliveries can be made directly to you from certain providers.

Trip Interruption/Cancellation - This generally covers you if a serious or unforeseen event forces you to cancel, modify, interrupt or extend the planned trip.

Lost/Stolen Baggage – Provides cover for delayed, lost, stolen or damaged baggage during your trip.

Emergency Evacuation/Repatriation - In certain situations, your insurance ensures emergency transportation back to Canada for treatment and care.

Stable pre-existing Conditions – Even if you are travelling with pre-existing conditions, most insurers will provide insurance. Some require a “stability period” where your conditions are not getting worse, cause new symptoms or require new medical treatments. Stability periods can sometimes range from 90 days to as high as 180 days.

Different types of snowbird insurance coverage

Like auto or home insurance, snowbird travel insurance comes in different forms with various types of coverage depending on your travel needs and how long you are traveling for.

Here are the most common types of snowbird travel insurance coverages offered by Canadian travel insurance providers.

Single-trip insurance: You might be a snowbird who only travels once a year. In that case, a single trip plan will be the best and most cost-efficient option for you.

Multi-trip insurance: Some people are lucky enough (and have the desire to) take multiple trips per season. In that case, choosing a multi-trip travel insurance plan will help you reduce cost risks while you are away from your home and native land. The good news is that you only need to pay for one plan at the beginning of your travels, rather than multiple purchases. You will still need to maintain your provincial health insurance and renew any expired health cards.

Travel health insurance: Snowbird travel insurance only covers unexpected medical costs like emergency hospital visits and surgeries. It will not cover any routine check-ups or pre-existing medical conditions. Travel health insurance will help cover your routine medical care abroad, so you won’t pay for anything out of your pocket.

Why you’ll love using LowestRates.ca to find cheap snowbird insurance quotes.

Spending extra money on snowbird travel insurance doesn’t make sense. Find the cheapest home insurance rates from a wide range of insurance companies.

Finding the lowest rates on snowbird travel doesn't take long. Actually, it only takes 3 minutes. All you need to do is provide a few details about yourself and your trip.

Put that credit card away. Our comparison service is absolutely 100% free, so finding the best snowbird travel insurance quotes won’t cost you a dime.

No rocket science here — just provide us with a few quick details about yourself and type of travel you intend on doing, and then leave the hard part to us.

At LowestRates.ca, top snowbird travel insurance providers compete for your business on a level playing field.

Comprehensive

One or two quotes won’t do. Get multiple snowbird travel insurance quotes from all the top insurers in your area.

We ask only for the details we need to find you the best snowbird travel insurance quotes. Your personal information will never be given to a third-party.

There are perks to shopping for snowbird travel insurance with us. On top of getting the best rates, the process is quick — it only takes 3 minutes — and it's free.

Factors that affect your snowbird travel insurance quotes

Some of the factors that determine the cost of your snowbird travel insurance premiums include:

Your age – the older you are the more of a risk you might be for getting sick or injured. Costs will vary depending on your age.

Trip duration – Shorter trips will cost less because the risk for a sickness or injury are diminished on a shorter trip.

Any pre-existing medical conditions – Many snowbird travel insurers will provide coverage for pre-existing conditions but will require a “stability period” where you are not getting sicker, showing new symptoms or requiring new medical treatments.

Any medications you take – Because snowbird travel insurers cover medical prescriptions, more expensive drugs may raise your costs.

The type of policy – There are different policies such as multi-trip or single-trip plans will cover, which can affect costs depending on how much coverage you need or take.

Whether you smoke or not – Smokers can expect to pay 15% to 30% more for snowbird travel insurance.

The deductible amount – Higher deductibles mean lowering premium costs up front but could mean higher costs when making a claim.

If it’s a single policy or a couples’ policy – Discounts are often applied to couples versus a single person taking out a policy.

The destination - Generally this doesn’t have the biggest impact, but some insurers offer different rates if the destination is in the United States due to the high costs of healthcare in the country.

Frequently asked questions about snowbird travel insurance

How much snowbird travel insurance coverage is enough.

It's smart to go with a snowbird policy that offers at least a few million dollars worth of coverage. Most snowbird policies range from $1 million to $5 million.

What's a stability period?

'Stability period' clauses apply to snowbird insurance applicants with pre-existing medical conditions. A 'stability period' is a predetermined amount of time stated in the policy where a medical condition reported by the policyholder must not have changed. These periods usually range from 7 to 365 days, depending on the specific condition and the insurer underwriting the policy.

How much does snowbird travel insurance cost?

Snowbird travel insurance costs vary depending on your trip length, age, pre-existing health conditions and various other factors. Different companies also offer different rates, which is why comparing travel insurance quotes is the best way to find the best rates.

Based on an analysis conducted on our internal data on snowbird insurance, we have found that a snowbird between the age group 55 to 64 years and no pre-existing health conditions, who travelled to the U.S. from January 2023-May 2023, paid an average premium of $535 for the travel period. Snowbird with pre-existing conditions, who travelled in the same duration, paid an average premium of $739 for the travel period.

My credit card has travel insurance benefits, why do I still need to buy snowbird travel insurance?

Some credit cards offer truly great travel rewards such as annual travel insurance, but often the limits on the coverage require you to top up your travel insurance to ensure you’re adequately protected. If you’re not sure, talk to your credit card provider so you can understand exactly what you are covered for and for how much.

Does OHIP cover me when I travel outside of Ontario?

The Ontario Health Insurance Plan (OHIP) pays for most of your health care costs when you are outside of Ontario but still in Canada. OHIP only pays for some services when you travel outside of Canada, which is why it is best to top up with snowbird travel insurance when you leave the country.

Snowbird travel insurance news

Is going to a travel clinic before your trip worth it?

I admit I may have a few hypochondriac tendencies. I’m a regular reader of WebMD. I diagnose myself with illnesses...

What to know about car insurance when you drive to the States

Whether you have fully embraced the Canadian “snowbird lifestyle” and spend months south of the 49th paralle...

*Shoppers who obtained a property quote on LowestRates.ca from January to December 2021 saved an average of 31%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca. Excludes tenant and condo insurance.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

AXA Assistance USA travel insurance review 2024

Travel Insurance Jennifer Simonson

10 worst US airports for flight cancellations last week

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Best travel insurance companies of April 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024