A vacation policy stretched past its limits isn't a snowbird plan.
Get a QuoteA standard travel insurance policy caps trip length at 30 or maybe 60 days. If you're heading south for the season — three, four, five months or more — you need a plan built for extended stays, not a vacation policy stretched past its limits.
Trip-length caps, stability requirements that kick in after 60 days, and coverage that voids if you overstay. A 30-day policy doesn't become a 60-day policy if you just pay for two — you need a long-stay plan designed for continuous coverage.
Extended-stay plans allow 120, 180, or even 365 days of continuous coverage. They include automatic extensions if you're hospitalized, and they're built around the reality that a snowbird's health situation can change over months, not weeks.
This is the part that matters most. Age 59 and under: typically 90 days stable. Age 60–69: 180 days. Age 70+: 365 days. 'Stable' means no change in medication, no new symptoms, no treatment changes. We help you understand exactly what your health history means for your coverage.
If you decide to stay longer (and who wouldn't?), you can extend your policy. But you must do it before the original policy expires — there's no gap coverage. If you're hospitalized, most plans auto-extend for free until you're discharged.
Long-stay emergency medical plans for 30 to 180+ days — with stability rules that fit your health history.
Get a Quote Learn more about snowbird coverageOne night in a Canadian ICU can top $14,000 — without coverage, that's on you.
Cost reality