For many Canadians, "going south for the winter" isn't a vacation — it's a lifestyle. Whether you're a seasoned snowbird or planning your first season, a little preparation goes a long way.
Before you leave
- Sort your insurance early. Snowbird policies are designed for longer trips and often cover several months. Buy before you leave Canada; you generally can't purchase coverage mid-trip.
- Disclose pre-existing conditions honestly. Many snowbird plans cover stable conditions, but only if they're declared up front.
- Check your passport. Ensure it's valid for your entire stay, plus a buffer.
- Set up mail and bill payments. Forward mail, automate bills, and let your bank know you'll be abroad.
- Pack your medications. Bring enough for the season, in original packaging, along with copies of prescriptions.
Choosing the right coverage
Snowbird travel insurance differs from a standard two-week policy. Look for:
- Extended-trip medical coverage that matches the length of your stay
- High emergency medical limits — U.S. healthcare costs add up fast
- Emergency medical evacuation back to Canada
- Coverage for side trips if you'll travel beyond your main destination
- A reliable 24/7 assistance line you can reach from anywhere
While you're away
Keep your policy number and assistance number on your phone and a printed card. If you need care, call the assistance line first when it's safe to do so — they can direct you to a network provider and pre-approve costs, which can save you significant out-of-pocket expense.
A well-planned season means more sun, more relaxation, and fewer surprises.
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