Snowbird Medical Insurance For Canadians Escaping Winter’s Wrath
It’s estimated about 500,000 Canadian snowbirds every year, flee the chill that comes with winter. Typically they’re heading to the United States, and specifically to the states of Florida, Arizona, California, Hawaii, or Texas (reportedly the top five snowbird destinations.)
Snowbirds routinely head south for three to six months ensuring that the worst of winter’s wrath is avoided. For their time away however, during these three to six months, snowbird insurance for seniors leaving winter behind is crucial to have for any emergency medical needs that may come up.
Easily compare snowbird insurance for out of country travel today:
- Enter your travel details
- Review your quotes as well as the policies to see who offers you the coverage you need at the best rate
- Connect with us (online or over the phone) so we can help you secure your rate and snowbird medical insurance coverage.
Snowbird Insurance for Canadians
Snowbird insurance for Canadians heading south for the winter can vary wildly in costs, which is why it pays to shop around. And, at InsuranceHotline.com, you can compare not just the rates online but the policies too helping you confidently buy the coverage you need at the best available price.
Tips for Buying Snowbird Insurance for Seniors
Snowbird medical insurance for Canadians travelling into the U.S. (and elsewhere) is a must-have travel document that you shouldn’t leave home without. The Government of Canada states on its website that, “Your Canadian insurance is almost certainly not valid outside Canada. Your provincial or territorial health plan may cover nothing or only a very small portion of the costs if you get sick or are injured while abroad.” And, the Canadian Snowbird Association estimates that, “On average, government provincial health insurance covers only about 7-9% of the costs incurred for medical services in the U.S.”
We’ve all heard how expensive healthcare is in the U.S., and having to pay the remaining 91-93% of the medical costs out-of-pocket could be financially ruining should you fall ill or be injured. That’s why it’s key to shop around and purchase your snowbird insurance for out of country travel wisely.
- Compare prices, but equally important, compare policy coverages and options too.
- Find out what’s included, what’s excluded, and the policy limits.
- Fully disclose any pre-existing conditions as well as any medications you’re taking. (If in doubt, chat with your doctor.)
- Review the policy wording.
- Buy your snowbird insurance for Canadians before you leave.
In addition to snowbird insurance for seniors planning on a few weeks or months out of the country, there are a few other insurance considerations for your time away, namely home insurance and auto insurance.
Snowbird Home Insurance Tips
Your number one snowbird home insurance tip is to contact your home insurer to see if they have requirements that must be met in order to ensure your coverage stays in force while you’re down south. Often they’ll require that you have someone check in on the house on a regular basis, and ask that you winterize your home.
Additional tips for around the home:
- Call your telephone, cable, internet, and/or satellite provider to temporarily suspend your service for the time you’re away (make sure doing this though doesn’t interfere with your home monitoring system if you have one).
- Cancel any regular deliveries you have coming to the home (e.g. newspapers).
- Arrange to have your mail forwarded.
- Ask a trust neighbour to regularly pick up any junk mail or flyers that end up in your mailbox or at the front door.
Snowbird Auto Insurance Tips
Just like home insurance, the best snowbird auto insurance tip is to reach out to your auto insurance provider. If you’ll be driving down to your sunny destination and staying there for a while, some auto insurers may require that you notify them of your plans. Also, by reaching out to them they’ll be able to make sure you’re fully covered wherever your travels take you. For example, did you know your Canadian auto insurance isn’t valid in Mexico? Additionally, they’ll be able to review your coverage options to ensure you’re adequately protected. Depending on what your policy’s current liability limit is, they may recommend that you up it given that claims can be high in the U.S.
Additional tips to ready your car for the drive:
- If your licence plates, auto insurance, or driver’s licence will expire while you’re away, make sure you renew them before leaving.
- Take your car in to a trusted mechanic for a tune-up and let him know that you’re taking it on a long drive so that he give it the special attention it needs.
- Make sure your vehicle is equipped with a spare tire and jack.
- Consider joining a roadside assistance program that can help you in Canada and outside of the country.
Snowbird insurance: Make sure you’re covered
Travel protected. Travel with insurance. Compare snowbird insurance for out of country travel today.
*The average savings found on insurancehotline.com for emergency medical travel insurance for single travellers, age 60 – 75, for single trips of 90 days or more, as compared with the published rates of 3 Financial Institutions for their equivalent emergency medical travel insurance. Actual savings vary depending on number of travellers, age, trip duration, medical conditions, and coverage selected. Based on research as of July 28, 2017.