Worry-Free
Extended Stay

Frequently Asked Questions

Browse through our frequently asked questions to learn more about our services and offerings.

• What does Snowbird Insurance cover?

  

  Snowbird insurance typically covers a range of services and situations, ensuring you're well-protected while you're outside of Canada. This includes emergency medical care, hospitalization, and doctor visits. Additionally, it may cover trip cancellations, interruptions, lost baggage, and certain trip delays. The exact coverage depends on the plan you choose, but in general, it’s designed to provide comprehensive protection to address the needs of snowbirds traveling abroad for extended periods.

• Does Snowbird Insurance cover pre-existing medical conditions?

  

  If you have a pre-existing medical condition, finding the right travel insurance can be challenging, but we make it easier. Our snowbird plans offer coverage for many pre-existing conditions as long as they meet stability requirements. That means if your condition has been well-managed for a certain period before your trip, you can be covered for emergency medical treatment related to it. You’ll have the protection you need to travel worry-free.

• Does Snowbird Insurance cover trips to multiple destinations?

  

  Yes, many Snowbird insurance plans provide coverage for trips to multiple destinations, making them ideal for snowbirds who travel to different countries or regions during their extended stay. Whether you’re planning to visit friends and family in multiple locations or explore different countries during your trip, you can rest easy knowing that your travel insurance will cover you as you move between destinations.

• What is a multi-trip Travel Insurance plan?

  

  If you travel frequently, a multi-trip plan offers seamless protection without the hassle of purchasing insurance for every journey. Ideal for snowbirds and frequent travelers, these plans cover multiple trips within a set period, ensuring you're protected whether you're heading home for the holidays or taking short getaways. With flexible coverage options and cost savings compared to single-trip policies, a multi-trip plan provides convenience, affordability, and peace of mind—so you can focus on enjoying your travels.

• What happens if I need medical assistance abroad?

  

  If you need medical assistance while traveling abroad, you can rest assured knowing you’ll have support. Should a medical emergency arise, simply contact the provider listed on your insurance policy. They will guide you through the process of receiving the care you need, whether that’s arranging for medical treatment or emergency transportation. Their 24/7 assistance team is always ready to help you, wherever you are. If you’re unsure about who to contact, our team is happy to provide guidance on the right steps to take for your specific plan.

• How do I file a travel insurance claim?

  

  To file a claim, you’ll need to follow the steps outlined in the documents sent to you when you purchase your travel insurance. These documents will provide you with the necessary contact information and detailed instructions on how to proceed with your claim. Should you have any questions or need help along the way, don’t hesitate to reach out to us. We’re here to make sure you have the right details and guidance to ensure your claim process goes smoothly.

• Will my policy cover trip interruptions or cancellations?

  

  Trip interruption and cancellation coverage is available as an optional add-on to your Snowbird insurance policy. If you choose to add this coverage, you’ll be protected in case you need to cancel or shorten your trip due to a covered reason, such as illness or an emergency. This coverage can reimburse you for non-refundable expenses, including flights, accommodation, and travel arrangements. Be sure to check the details of your selected plan to confirm what’s included in the add-on and understand the specific terms and conditions for coverage.

• Can I extend my travel insurance if my trip is longer than expected?

  

  Yes, you can extend your travel insurance if your trip goes longer than planned. Life happens, and if you need more coverage, we make it easy to adjust your policy. You’ll just need to contact us before your original policy expires, and we’ll help you extend your coverage for the additional time. Whether you’ve extended your vacation, need more time for a family visit, or your business trip has been extended, we’ve got your back. We understand that flexibility is important when it comes to travel, and we’re here to ensure you stay protected for the entire duration of your trip. Please note: your provincial health coverage must remain in place for your travel insurance to be extended.

• Can I purchase insurance after I’ve already left Canada?

  

  In most cases, you must purchase Snowbird insurance before leaving Canada to ensure you’re fully covered during your travels. However, some providers may allow you to purchase a policy even after departure, though coverage may be limited or not apply to certain situations like pre-existing conditions. It's important to contact us directly and speak with one of our agents to understand the options available to you if you’re looking to purchase insurance after you've already left the country.