Snowbird insurance that protects.

– even when your feathers get ruffled.

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Before you nest.

Specially designed snowbird insurance starts with these benefits

Emergency Sickness and Injury

Emergency Sickness and Injury

Coverage for treatment of unforeseen medical events

Pre-Existing Medical Conditions

Pre-Existing Medical Conditions

Coverage for emergency expenses related to stable medical conditions



Coverage for hospital fees, including doctors, nurses, drugs, and tests

Multiple Trips

Multiple Trips

Coverage for an unlimited number of trips per year saves you time and money

Key Features & Benefits

Overall Maximum Limit $5,000,000
Covered Areas Worldwide including the US, worldwide excluding the US, or within Canada
Multi-Trip Annual Plan Options 5, 10, 20, 35, 60, 95, 125, 155, or 182 days per trip
Deductible Options No deductible, $250, $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000, $100,000 (CAD)
Pre-Existing Medical Condition Coverage Subject to stability period of 7-365 days (depending on age)
Hospital Accommodation Reasonable and customary costs (semi-private room)
Physician Reasonable and customary costs
Ambulance Reasonable and customary costs
Prescription Drugs 30-day supply (limit does not apply when hospitalized)
Dental Accident $4,000
Dental Pain $500
Emergency Transportation Air ambulance or economy airfare to the home province or territory
Specialists and Therapists $500 per profession for physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist
Excluded Sports Out-of-bounds skiing, snowboarding, snowshoeing, or non-motorized snow-biking
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Great customer service – free with every policy.

“We’re retired and like to winter in Phoenix. We added a cruise to Alaska this year. 170 days’ coverage @ $1,300 for me (dodgy heart) Margaret $750 (powerhouse) = $2,050.”

Patrick & Margaret Olson, mid 60s Snowbirds

“I’m a widowed snowbird, wintering in Miami and New Orleans. Dream day: Golf, beach, shopping, lawn bowling, play bridge to starvation, then dinner out. Unstoppable for 120 days @ $523.20.”

Janet Sugarbroad, 65 Snowbird

“As a widower on heart medication for high blood pressure and high cholesterol, I decamped to my new Mexican house for 120 days. Full coverage for $2,620.80 – no drama!’

Andrew Fletcher, 76 Snowbird