Snowbird Travel Insurance

2011 Seniors Travel Insurance

October 4, 2011 - Canadian seniors planning to travel south this winter are encountering numerous challenges. The Canadian dollar has plummeted 10% recently which makes traveling to the USA more expensive this year. The global economy continues to cause financial uncertainty. Unrest on the USA/Mexican border is making the border regions unsafe. We feel this is a good opportunity to revisit some good ways to ensure our senior travellers have adequate medical insurance coverage for this travel season.

Pre-existing Conditions

Will I be covered for my pre-existing medical condition? This is the most asked question from our traveling senior customers. Seniors should carefully understand how pre-existing condition exclusion clauses work and how they apply to their in their travel insurance plan. ...read more

Top-ups

Already covered by a multi-trip annual plan but planning a trip longer than the maximum number of coverage days allowed? Then you can use our quote system to get rates on top-up coverage that will cover the days that your multi-trip plan will not cover. ...read more

Single Trip, Multi-trip, Annual, Blended Medical Insurance

In most cases, purchasing single trip coverage is the least expensive option but not always! If you are a Canadian snowbird who takes several more shorter trips through the remainder of the year it may be more economical to combine (or blend) a multi-trip plan plus extra top-up days to cover your long snowbird trip. Then once you return your annual plan will continue to cover you through the remainder of the year. ...read more

Medical Underwriting

In most cases, our powerful travel medical insurance quote system will find coverage for senior customers with pre-existing medical conditions. If you do no qualify for one of the plans available from our quote system then you may still be able to obtain coverage by completing a medical underwriting application. On request we can supply you the necessary applications. ...read more

Extensions

What happens if you decide to stay longer then expected? If you have not had a claim then most companies will extend your trip. Although some companies may not extend beyond a maximum trip length (normally 6 months). If you are delayed due to weather or transportation delays most medical insurance policies have an automatic grace period from 42-72 hours. Please check the policy booklets for more details.

Refunds

If you purchase medical travel insurance and your trip gets cancelled prior to departure then you can apply for a refund of the premiums paid. There may be a nominal administrative fee applied to refunds. Please check you policy booklet for details.