If you’re a Canadian, you may be aware of the term “Snowbird,” which refers to Canadians who travel south during the winter to escape the cold winters. Snowbird insurance is a specialized type of coverage designed to meet the unique needs of individuals who spend extended periods of time away from their home country or region during the winter months.


Often you must meet specific requirements, such as being a Canadian citizen, at least 55 years old, and intending to leave the country for more than 30 days, to be eligible for Snowbird travel insurance. It is advisable to verify with your insurer to confirm their exact eligibility requirements as some insurers may have different age restrictions or trip duration limits.

How to Purchase Snowbird Travel Insurance

One can purchase of Snowbird travel insurance by contacting an insurance broker or buying coverage online. Compare policies from different insurers to ensure getting the best coverage for your needs. When choosing a policy, your should consider factors such as coverage limits, deductibles, and exclusions, as well as the reputation and financial stability of the insurer.


Snowbird travel insurance covers a range of potential risks and emergencies that may arise while you are outside of Canada. Some of the benefits of snowbird travel insurance include:

Emergency Medical Coverage: This type of insurance covers medical expenses that may arise due to unexpected illnesses or injuries while you are outside of the country. It includes hospital stays, doctor visits, and other medical costs.

Trip Cancellation Insurance: If you have to cancel your extended vacation due to an unforeseen occurrence, such as illness or natural disaster, this insurance can assist in covering the cost of any non-refundable charges.

Baggage Insurance: This sort of insurance protects lost, stolen, or damaged luggage and personal belongings.

Accidental Death and Dismemberment Insurance: This type of insurance pays a lump payment to the dependents in the unfortunate event of death or dismemberment while traveling outside the country.

Liability Coverage: This type of insurance covers any damages or injuries you may cause to others while traveling outside Canada.

How Snowbird Travel Insurance Differs from Other Travel Insurance

While Snowbird insurance shares some similarities with other types of travel insurance, such as trip cancellation cover and emergency medical coverage, there are some significant differences. It is designed for Canadian residents who spend an extended period outside Canada, typically during winters. It also frequently offers better coverage limits and more comprehensive benefits than regular travel insurance policies.

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Types of Travel Insurance

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