Snowbird travel insurance, snowbird medical insurance , travel insurance for snowbirds, snowbird medicare coverage, snowbirds insurance

Best Travel Insurance for Canadians

Age

Spouse

Start Date

End Date

Coverage Region
Including USA

Citizenship
Canadians

QUOTES

Safe Travels USA Comprehensive

Plan Maximum

Deductible

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Patriot America Plus

Plan Maximum

Deductible

Pre-existing

YES NO

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Diplomat America

Plan Maximum

Deductible

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Visitors Protect

Plan Maximum

Deductible

Minimum Enrollment is 90 Days

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Travel insurance providers

Rating: "A" (Excellent)
Underwriter: Zurich Insurance Europe AG Belgian branch

Available for non U.S. citizens / residents visiting the USA, up to 89 years old
Coinsurance: After deductible, plan pays 100% up to the policy maximum
Direct Billing: First HealthCare
Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
Emergency medical evacuation: 100% up to $1,000,000
Maternity: Emergency medical treatment for pregnancy, up to $1,000
Urgent Care: $30 per incident; no copayment if deductible is $0
Optional add-on benefits
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $50,000

Rating: AM Best "A"
Underwriter: Zurich Insurance Europe AG Belgian branch

Coinsurance: After deductible, plan pays 100% up to policy maximum
Acute onset of pre-existing condition: $20,000 up to age 65 and $10,000 over age 65.
Emergency medical evacuation: Up to maximum limit
Urgent care: Covered
Trip interruption: Up to $7,500
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $1M

Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Underwriter: SiriusPoint Specialty Insurance Corporation

Best travel medical insurance for non-US citizens visiting the US, up to 99 years old
Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%
Direct Billing: First HealthCare or Unitedhealthcare
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to $1,000,000
Urgent Care : $30 per incident; no copayment if deductible is $0
Optional add-on benefits
Renewable: Can be renewed and extended up to 24 months
Repatriation of Remains: Up to maximum limit

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure sports:

Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.

Age	Maximum limit
0-49 years	$50,000 certificate period
50-59 years	$30,000 certificate period
60-64 years	$15,000 certificate period

Adventure Sports Rider - More Details

Chaperone/Faculty Leader Replacement Rider:

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (available on group plans)
Chaperone Replacement Rider - More Details

Enhanced Accidental Death & Dismemberment Rider AD&D Rider

The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Accidental Death & Dismemberment - More Details

Mobile Device Protection:
Available in select countries on individual plans only

Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans for U.S. residents only

Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

Teladoc Rider:

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

Rating: "A" (Excellent)
Underwriter: SiriusPoint Specialty Insurance Corporation

Best medical insurance for visitors to USA, up to 99 years
Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 80% up to $1,000, then 100% up to the max limit
Direct Billing: First healthcare network or United HealthCare
Pre-existing condition: Not covered
Emergency medical evacuation: Up to $1,000,000
Urgent Care: $30 per incident; no copayment if deductible is $0.
Optional add-on benefits
Renewable: Can be renewed and extended up to 24 months
Repatriation of Remains: Up to maximum limit

Rating: "A" (Excellent)
Underwriter: SiriusPoint Specialty Insurance Corporation

Coinsurance: After deductible, plan pays 100% up to policy maximum
Direct Billing: Through IPA Network
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to $1,000,000
Urgent Care: $30 per incident; no copayment if deductible is $0.
Optional add-on benefits
Renewable: Can be renewed and extended up to 24 months
Repatriation of Remains: Up to maximum limit

Rating: AM Best Rating: "A" (Excellent)
Underwriter: Underwritten by Crum & Forster, SPC

Coverage for non-US residents traveling to the USA, up to 99 years old
Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
Direct Billing: No PPO, visit any doctor or hospital
Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
Emergency medical evacuation: Up to $250,000
Optional add-on benefits
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $50,000

Rating: AM Best Rating "A" (Excellent)
Underwriter: SiriusPoint Specialty Insurance Corporation

Coinsurance: After deductible, plan pays 100% up to policy maximum.
Direct Billing: Through IPA Network
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to maximum limit
Urgent Care: 30 per incident; no copayment if deductible is $0
Optional add-on benefits
Renewable: Can be renewed and extended up to 36 months
Repatriation of Remains: Up to overall maximum limit

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure sports:

Age	Maximum limit
0-49 years	$50,000 certificate period
50-59 years	$30,000 certificate period
60-64 years	$15,000 certificate period

Adventure Sports Rider - More Details

Chaperone/Faculty Leader Replacement Rider:

Enhanced Accidental Death & Dismemberment Rider AD&D Rider

Mobile Device Protection:
Available in select countries on individual plans only

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans for U.S. residents only

Teladoc Rider:

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Underwriter: SiriusPoint Specialty Insurance Corporation

Best travel medical insurance for non-US citizens visiting the USA, Canada and Mexico, up to 99 years old
Coinsurance: In-network: After deductible, plan pays 75%
Out-of-network: After deductible, pays 60% of eligible expenses up to $5000, then 100%
Direct Billing: First HealthCare or Unitedhealthcare
Pre-existing condition: Covers up to 99 years.
Emergency medical evacuation: Up to $25,000
Urgent Care: $25 per incident; no copayment if deductible is $0
Repatriation of Remains: Up to $25,000

Snowbirds Travel Insurance – Highlights

This includes coverage for medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and accidental death & dismemberment.
Extendable with uninterrupted coverage for up to 24 consecutive months.
Sports Activity Coverage available.

Safe Travels International is a primary travel medical insurance.
Extendable with uninterrupted coverage for up to 24 consecutive months.
Optional Upgrades include - trip delay maximum, increased AD&D and athletic sports.

This is a comprehensive short-term travel medical plan.
US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. (when the $0 deductible is selected)

Short-term travel medical coverage.
Coverage for travelers outside their residence country whose destination excludes the US and its territories.
Patriot international insurance schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.

This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US.
This plan can be renewed for up to 2 years.
Patriot America offers coverage for adventure sports and other sports activities.

The Diplomat America plan is designed to cover Non-U.S. residents traveling to the United States

Accident and sickness plan that covers you inside the United States (15 days up to 365 days)
The plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible

The policy maximum options available $8M.
This plan is renewable up to 36 months.
Covers Emergency medical evacuation available for up to $1M.

The plan is ideal for visitors traveling from their home country to the U.S., Canada, and Mexico.

Limited pre-existing condition coverage.
Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone.

Canada travel insurance - Brochure & Details links

Travel Health Insurance for U.S. Snowbird Tourists Going Overseas

For American snowbirds aged 65 and older, GlobeHopper Senior from International Medical Group (IMG) is a popular and affordable travel medical insurance option.

✅ Key Highlights of GlobeHopper Senior

High Coverage Limits:
- Up to $1 million coverage for travelers up to age 79.
- $100,000 coverage for travelers aged 80+.
Pre-Existing Condition Support:
- $2,500 coverage for a sudden, unexpected recurrence of a pre-existing condition.
Emergency Protection:
- $25,000 for emergency medical evacuation.
Flexible Plan Options:
- Single-Trip Plan: Coverage from 5 days to 365 days.
- Multi-Trip Plan: Coverage for 12 months, with a maximum of 30 days per trip.

🌍 Why Choose GlobeHopper Senior?

Designed specifically for U.S. seniors traveling overseas.
Affordable premiums compared to many traditional travel insurance plans.
Tailored protection for longer seasonal stays or multiple trips abroad.

Best Health Insurance Options for Canadian Snowbirds in the U.S.

For Canadian snowbirds, escaping the harsh winter and spending months in the warm southern states is a wonderful lifestyle. But while enjoying extended stays in the U.S., having the right travel health insurance is essential.

Without proper coverage, even a minor medical emergency can lead to huge out-of-pocket expenses that could disrupt your trip.

Why Snowbirds Need Health Insurance in the U.S.

U.S. healthcare costs are among the highest in the world.
Provincial health coverage from Canada offers very limited benefits abroad.
Travel insurance ensures you are protected for hospitalization, doctor visits, prescriptions, and emergencies.

Travel Health Insurance Options for Canadian Snowbirds

Single-Trip Plans – Ideal for snowbirds staying in the U.S. for one continuous trip (weeks to several months).
Multi-Trip Annual Plans – Perfect for frequent cross-border travelers, offering year-round coverage with trip duration limits.
Pre-Existing Condition Coverage – Some plans offer limited or full coverage for stable pre-existing medical conditions.
Emergency Medical Evacuation – Ensures safe transfer to a hospital or back to Canada in case of serious emergencies.

FAQs Canadian Snowbirds Often Ask

🏥 Does my provincial health insurance cover me in the U.S.?
Only a small portion — you need private insurance for full protection.

💊 Can I get coverage if I have pre-existing conditions?
but it depends on stability periods and the plan you choose.

🕒 What is the maximum trip length I can insure?
Plans can range from a few days to up to 365 days per trip, depending on the policy.

📋 Are prescription drugs and routine checkups covered?
Travel insurance usually covers emergencies only, not routine care.

What Are the Important Things to Consider Before Purchasing Travel Insurance for Canadian Snowbirds for Travel to the US?

Medical Coverage: Make sure the travel health insurance for Canadian snowbirds offers comprehensive and flexible coverage for sickness, injuries, emergency medical evacuation, and repatriation. Choosing a plan that covers major medical expenses can help avoid unexpected costs during your stay in the US.
Pre-existing Conditions: Check if the travel medical insurance plan for Canadian snowbirds includes coverage for pre-existing conditions. Many plans provide benefits for the acute onset or sudden recurrence of pre-existing conditions, which is especially valuable for senior travelers.
Baggage, Personal Liability, Travel Delay, Missed Connections: Opt for a policy that includes baggage loss coverage in case your belongings are stolen or damaged. It is also beneficial to have personal liability coverage in case of accidental injury to others or property damage. Coverage for travel delays and missed connections can also help reimburse additional expenses caused by unforeseen disruptions.
Duration of Coverage and Cost: Ensure your Snowbird insurance for Canadian snowbirds covers the entire duration of your winter stay in the US and allows extensions if needed. Look for renewable travel insurance plans and compare different policies to find one that offers the best balance between cost and coverage.
Reviews and Exclusions: Carefully review the policy documents to understand what is excluded from coverage. Reading customer reviews helps you choose a reputed and reliable insurance provider for your Canadian Snowbird travel insurance.

👉 At American Visitor Insurance, we provide a range of travel health insurance plans for Canadian snowbirds visiting the US to escape harsh winter conditions. You can explore our detailed resources such as pre-existing travel health insurance and senior travel insurance pages. We also offer annual multitrip plans for Canadians visiting the US during winters, helping travelers find the best travel medical insurance coverage at affordable prices.

New Travel Requirement for Canadians Visiting USA for More Than 30 Days

Canadians traveling to the US for more than 30 days are required to register with US immigration authorities and provide fingerprints. This will be a strict enforcement of an existing law which was previously applied inconsistently and aims to improve compliance with US immigration regulations.

This new rule, issued by the Department of Homeland Security (DHS), applies to all foreign nationals crossing the US-Canada land border who are 14 years or older and staying for more than 30 days in the USA. This will impact close to 3 million Canadians annually, including around 1 million "snowbirds" who spend extended winters in the US.

Canadian professionals on long-term assignments in the US must comply with the new registration and fingerprinting requirements. However, short-term visitors to the US, such as tourists and cross-border shoppers should not be impacted.

How Much Does US Health Insurance for Canadian Citizens Cost?

The cost of US health insurance for Canadian citizens varies depending on several key factors such as the traveler’s age, duration of stay, type of coverage, policy maximum, and deductible amount chosen. Hence, the premium cost of the travel medical insurance for Canadians in USA is not fixed and can differ for each traveler.

Each travel insurance plan for Canadians visiting the USA offers different benefits and coverage levels. There are two main types of travel insurance plans: a Fixed Benefit Plan and a Comprehensive Plan. Fixed benefit plans have set limits for specific medical expenses, while comprehensive plans offer extended protection up to the policy’s maximum limit.

Choosing the right US travel health insurance for Canadian visitors depends on individual needs, travel duration, and budget. Comparing multiple plans can help find the most suitable and affordable option for your trip.

How much does the most affordable American health insurance for Canadians cost?

The most affordable option for Canadian snowbirds visiting the U.S. is the Safe Travels Advantage plan, which starts at around $20 per month.

💵 Premiums can range from $20 to $155 per month, depending on:

👤 Age of the traveler.

💰 Policy maximum (coverage limit).

🧾 Deductible amount chosen.

📌 Tip: On average, a fixed benefit visitor insurance plan like Safe Travels Advantage offers budget-friendly protection for Canadians in the U.S. — making it a popular choice for travelers who want reliable coverage without high premiums.

Plan Name	Plan max range	Deductible	Age 40	Age 60	Age 70
Safe Travels Advantage	$25,000 - $150,000	$0	$20 - $58	$39 - $102	$60 - $166
Visitors care	$25,000 - $100,000	$100	$25 - $47	$40 - $75	$66 - $152
Venbrook Essential	$25,000 - $150,000	$0	$26 - $81	$49 - $124	$68 - $147
Safe Travels Elite	$25,000 - $175,000	$0	$26 - $76	$50 - $134	$109 - $155

Source: American Visitor Insurance®

How much does the comprehensive and best travel insurance for Canadians in USA cost?

For Canadians seeking strong medical coverage in the U.S., one of the most popular comprehensive plans is the Safe Travels USA Cost Saver.

Premiums typically range from $71 to $353 per month
Pricing depends on:
- 👤 Traveler’s age
- 💰 Policy maximum (coverage limit)
- 🧾 Deductible chosen (average example: $250)

Unlike budget fixed-benefit plans, Safe Travels USA Cost Saver is a comprehensive plan, meaning it covers eligible expenses up to the policy maximum — offering broader protection and peace of mind for snowbirds and long-term visitors.

Plan name	Plan maximum	Age 40	Age 60	Age 70
Safe Travels USA Cost Saver	$50,000 - $1,000,000	$71 - $117	$139 - $250	$237 - $299
Venbrook Premier	$50,000 - $1,000,000	$77 - $135	$176 - $346	$352 - $437
Visitors Preferred	$50,000 - $1,000,000	$77 - $144	$148 - $301	$253
Patriot America Lite	$50,000 - $1,000,000	$72 - $130	$153 - $289	$252 - $337
Patriot America Plus	$50,000 - $1,000,000	$77 - $139	$164 - $311	$287 - $434
Safe Travels USA Comprehensive	$50,000 - $1,000,000	$90 - $168	$172 - $351	$294 - $470
SafeVista Comprehensive	$100,000 - $1,000,000	$93 - $127	$215 - $248	$320
Diplomat America	$50,000 - $1,000,000	$125 -$214	$229 - $301	$353

Source: American Visitor Insurance®

What is Snowbird Travel Insurance and Why is it Important?

Snowbird travel insurance is designed for travelers—often retirees or seasonal visitors—who spend extended periods away from home during the winter months. These “snowbirds” typically migrate from colder regions to warmer destinations such as Florida, Arizona, southern U.S. states, Mexico , the Caribbean, or even abroad to enjoy milder climates.

Why Snowbird Travel Insurance Matters

Healthcare in many popular snowbird destinations can be very expensive, especially in the United States. Without proper insurance, even a minor medical emergency could lead to overwhelming costs.

Key Benefits of Snowbird Travel Insurance

Emergency Medical Coverage – Protection for accidents, sudden illness, or hospitalization.
Pre-Existing Conditions – Many plans include limited coverage for the acute onset of pre-existing conditions, especially important for senior travelers.
Medical Evacuation – Covers the cost of emergency transportation to the nearest hospital or even back home.
Trip Interruption & Repatriation – Benefits in case your trip is cut short or in the event of a serious emergency.
Long-Term Coverage – Designed specifically for extended stays, often ranging from a few weeks up to a year.

👉 Snowbird travel insurance provides peace of mind by safeguarding both your health and finances during long winter stays away from home. It ensures you can fully enjoy the sunshine without worrying about unexpected medical expenses.

Top Snowbird Destinations & Travel Insurance Insights

Snowbirds often choose destinations based on climate, lifestyle, and healthcare access. While every location has unique attractions, insurance considerations remain essential for peace of mind during your seasonal stay.

Destination Type	Why Snowbirds Love It	Key Insurance Considerations
Warm U.S. States (e.g., Florida, Arizona)	Mild winters, established snowbird communities, strong healthcare infrastructure	Ensure coverage for hospitalization, acute onset of pre-existing conditions, and access to in-network providers
Mexico & Central America	Affordable cost of living, beaches, vibrant culture	Choose plans with cashless medical service and emergency medical evacuation; check local hospital networks
Caribbean Islands	Tropical climate, resort lifestyle	Focus on emergency medical coverage and hurricane/trip interruption protection; some facilities may require upfront payment
Southern Europe (e.g., Spain, Portugal, Italy)	Culture, cuisine, mild winter climate	Verify insurance meets visa requirements (e.g., Schengen €30,000 minimum); check language support and local hospital network
Southeast Asia & Tropical Destinations	Exotic locales, low cost of living	Ensure your plan covers private hospitals, medical evacuation, and travel assistance services
Australia & New Zealand	English-speaking, temperate winters	Confirm visa insurance requirements; include coverage for adventure/outdoor activities if relevant

Snowbird Travel Insurance Tips for All Destinations

Emergency Preparedness – Know local emergency numbers and nearest medical facilities.
Document Essentials – Carry insurance cards, medical summaries, prescriptions, and identification.
Pre-existing Conditions – Look for acute-onset coverage if you have chronic health conditions.
Telemedicine Access – Many snowbird plans offer virtual care — convenient for routine follow-ups.
Evacuation & Repatriation – Ensure your policy includes emergency transport to a hospital or home country if needed.

Travel Insurance & Healthcare Considerations

Even in the most tourist-friendly destinations, health and safety are top priorities:

Emergency Medical Coverage: Ensure your policy covers hospitalization, doctor visits, and surgeries.
Pre-Existing Conditions: If you have chronic health issues, select a plan that covers acute onset of pre-existing conditions.
Medical Evacuation: In case of severe illness or accident, evacuation to the nearest suitable facility or home country can be lifesaving.
Network Access: Check if your insurer has local partnerships to reduce out-of-pocket costs.

👉 A successful snowbird season combines travel, lifestyle, and safety planning. By selecting the right destination, securing appropriate Snowbird travel insurance, and preparing for health and logistics, snowbirds can enjoy a worry-free winter away from home.

Does Snowbird Insurance Cover Pre-Existing Medical Conditions?

⚕️ Acute Onset of Pre-existing Conditions

Many Snowbird insurance plans provide coverage for the acute onset (a sudden and unexpected flare-up) of pre-existing medical conditions. This valuable feature helps protect older travelers during emergencies.

⏳ Waiting Periods

Some travel medical insurance policies include a waiting period before coverage for pre-existing medical conditions becomes effective. Review the policy details carefully to know when coverage starts.

🎂 Age Limits

Coverage for pre-existing medical conditions may vary depending on the traveler’s age. Certain Snowbird travel insurance plans offer limited benefits or exclusions for older Canadian snowbirds.

📋 Plan-Specific Terms

Each Snowbird travel insurance plan defines what qualifies as a pre-existing condition and the scope of coverage. Reading the policy brochure helps ensure you understand plan limits and exclusions.

List of Snowbird insurance plans that cover pre-existing medical conditions:

Are Snowbird Insurance Plans Renewable for Long-Term Stays?

Yes, most Snowbird travel insurance plans are renewable for long-term stays. These policies are ideal for Canadian Snowbirds and travelers who spend an extended time in another country, such as those who live part of the year in the USA and Canada or other destinations.

Many Snowbird insurance plans offer annual renewal options, allowing you to extend your coverage for another year as long as you continue to meet eligibility requirements. This provides continuous protection against unexpected medical emergencies while abroad.

Popular Renewable Plans for Long-Term Snowbird Stays:

Patriot America Plus and Patriot Platinum — available from 5 days to 364 days, and both plans can be renewed for up to 2 years.
Trawick International Safe Travels USA plans — available from 5 days to 364 days, and these plans are also renewable for long-term coverage.

Does Snowbird Travel Insurance Provide Coverage for Medical Evacuation?

Yes, Snowbird travel insurance typically includes coverage for medical evacuation. This essential benefit ensures that if you suffer a serious illness or injury while traveling, you can be transported safely to the nearest medical facility or even repatriated back to your home in Canada or the USA for further treatment.

Medical evacuation coverage provides peace of mind for Snowbirds who spend several months away from home, protecting them from costly emergency transport expenses.

Can Snowbird Insurance Plans Be Purchased for Multiple Trips Throughout the Year?

Yes, Snowbird insurance plans can be purchased for multiple trips throughout the year, making them ideal for Canadian Snowbirds and travelers who frequently travel between cold and warm climates. These plans are perfect for individuals who split their time between the USA and Canada or other destinations.

Many Snowbird travel insurance plans offer annual coverage or multi-trip options, allowing you to be covered for several trips over a specific period, typically one year. Purchasing a multi-trip plan can save both time and money compared to buying separate policies for each individual trip.

Patriot Multi-Trip — annual multi-trip Snowbird insurance covering trips up to 30, 60, and 90 days in length per trip. Several trips are allowed within a one-year period. Maximum lifetime coverage is 12 months, extendable up to 36 months. Learn more about Annual Multi-Trip insurance plans for Canadian Snowbirds.

Why Buy Snowbird Travel Insurance from American Visitor Insurance?

American Visitor Insurance is your One-Stop Shop for Snowbird Coverage American Visitor Insurance partners with top rated US insurance providers like International Medical Group (IMG), Trawick International, and Global Underwriters to offer the best snowbird travel insurance plans for Canadians all in one place.

🧭 Compare and Buy with Confidence

Use our easy online compare engine to review several top insurance plans side by side and choose the best snowbird insurance coverage for your travel schedule, budget, and medical needs for destinations across the US, Mexico, the Caribbean, and other warm-weather regions.

🏖️ Trusted by Thousands of Snowbirds Every Year

American Visitor Insurance has been offering Snowbird insurance for nearly two decades now providing thousands of Canadian and international snowbirds easy purchase insurance options through our platform before heading south for extended stays in Florida, Arizona, Texas, Mexico, or island getaways in the Caribbean.

🤝 Expert Customer Support

Our licensed knowledgeable customer support team helps travelers understand coverage options, policy benefits, and claim procedures so you can make informed decisions with complete peace of mind.

🌎 Comprehensive Global Protection

Enjoy medical coverage for emergencies, hospital care, and evacuation, backed by leading international insurers and extensive PPO networks across North America and beyond.

⚡ Simple, Hassle-Free Experience

Compare, choose, and buy your plan online at American Visitor Insurance in minutes with 24/7 assistance available whenever you need help during your travels.

Best Travel Health Insurance Plans for Canadian Snowbirds Visiting the US for Long Winter Stays

For Canadian Snowbirds spending extended winter stays in the USA, selecting a travel health insurance plan that is cost-effective yet comprehensive is essential. These plans ensure protection against unexpected medical emergencies, pre-existing condition flare-ups, and other travel-related risks.

Safe Travels USA Comprehensive Insurance

Policy maximum: up to $1,000,000 starting from $20,000
Deductible options: $0 to $5,000
Co-insurance: covered up to 100%
Eligible ages: 14 days to 89 years
Duration: 5 to 364 days, renewable up to 364 days
Acute onset of pre-existing conditions: $20,000 for ages up to 64, $10,000 for ages 65-69, not available for 70+
COVID-19 coverage: included
Additional benefits:
- Emergency pregnancy care up to $1,000
- One wellness doctor visit per period: $125
- Cardiac & stroke coverage: $25,000 up to age 69, $15,000 for age 70+

Patriot America Plus Insurance ^{Comprehensive benefit}

Policy maximum: up to $1,000,000
Deductible options: $0 to $2,500
Acute onset of pre-existing conditions: covered for individuals under 70
COVID-19 coverage: included
Emergency medical evacuation: up to $1,000,000
Political evacuation & repatriation: up to $100,000
Additional coverage: dental treatment, personal liability, eye exams

Safe Travels USA Insurance

Policy maximum: up to $1,000,000 starting from $50,000
Deductible options: $0-$5,000
Pre-existing conditions: recurrence coverage up to $1,000 for ages up to 69
Eligible ages: 14 days to 89 years
Renewable: up to 364 days
COVID-19 coverage: included
Additional benefits:
- Cardiac & stroke coverage: $25,000 up to age 69, $15,000 for 70+
- Emergency pregnancy care up to $1,000
- One wellness doctor visit per period: $125

Diplomat America Insurance

Policy maximum: up to $1,000,000 starting from $50,000
Deductible options: $0-$5,000
Co-insurance: 80% up to $5,000, then 100% after deductible
Additional deductible: $250 per emergency room visit
Emergency medical evacuation & repatriation: up to $250,000

Popular Snowbird Destinations in the USA

☀️ Florida

The reason Florida is the most popular snowbird destination is its sunshine almost year-round and the lifestyle options available. From the busy beaches and nightlife of Miami, to the theme parks in Orlando, and retirement communities in Naples, loads of snowbirds choose Florida for the lifestyle options available.

🌵 Arizona

The warm, dry climate, desert landscape, and golf friendly winter make Phoenix, Scottsdale, and Tucson popular Snowbird destinations for those who prefer sun with less humidity.

🤠 Texas

The Rio Grande Valley, San Antonio, and Corpus Christi are popular because of their milder winter climate, culture, and low cost of living.

🏖️ California

Palm Springs, San Diego, and cities near the coast in southern California provide a lifestyle for snowbirds with great weather, beaches, and a relaxed way of life for snowbirds that want to relax, have an increase in activity..

🎰 Nevada

Las Vegas and Henderson have become one of the hottest snowbird spots because of their affordability, sunshine, and so many entertainment options.

⛳ South Carolina

Myrtle Beach and Hilton Head are popular golf communities with great golf courses, popular beach towns, and good winter weather.

🎨 New Mexico

Albuquerque and Santa Fe draw snowbirds with their desert warmth, art culture, and heritage.

🏖️ Alabama & Mississippi Gulf Coast

These underrated destinations can offer snowbirds sandy beaches, welcoming communities, and the slower pace of life.

Other Popular Snowbird Destinations for Canadian Travelers

Explore top snowbird destinations for Canadians seeking warm winter escapes. From tropical beaches to cultural hotspots, these locations are ideal for long winter stays, travel health coverage, and safe travel experiences.

Morocco

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Belize

Mexico

Nicaragua

Hawaii

Cuba

Panama

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Popular Snowbird Destinations in the USA

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Cuba

Panama

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