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Canadians Snowbird Travel Insurance for Pre-Existing Conditions

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
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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
star Rating: "A" (Excellent)
edit_square 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 First health care Provider Network
  • 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
star Rating: AM Best "A"
edit_square 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
star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
edit_square 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 First health care Provider Network or Unitedhealthcare United Healthcare Provider 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
star Rating: "A" (Excellent)
edit_square 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 First health care Provider Network or United HealthCare United Healthcare Provider Network
  • 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
star Rating: "A" (Excellent)
edit_square 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
star Rating: AM Best Rating: "A" (Excellent)
edit_square 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
star Rating: AM Best Rating "A" (Excellent)
edit_square 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
star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
edit_square 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 First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • 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

🌴 Snowbird Travel Insurance for Canadians With Pre-Existing Conditions

Many Canadian snowbirds spend several months each winter in the United States, Mexico, or other warmer destinations. While enjoying the sunshine, it’s important to stay protected — especially if you have an existing health condition. Most provincial health plans offer very limited coverage outside Canada, and a regular travel plan may not pay for treatment related to a pre-existing condition.

At American Visitor Insurance, we help Canadian travelers find the best health insurance for visitors to the USA with pre-existing conditions, offering travel medical plans that provide comprehensive coverage and peace of mind during your extended stay abroad.

🧳 Why Snowbirds Need Special Travel Insurance for Pre-Existing Conditions?

As a snowbird, you are away from home for a long time. Even a minor medical issue may quickly become expensive in the U.S., which is known for having some of the most expensive hospital costs in the world.

When you are away from home with a medical condition, for example, diabetes, hypertension, heart disease, asthma, or arthritis, you need a plan that offers you some protection in the event your condition flares up or worsens unexpectedly.

Without proper insurance, an emergency your care; hospital stay, or medical evacuation could easily cost you thousands of dollars. This is why it's critical to find the right travel insurance that covers pre existing conditions.

❤️ What Is a Pre-Existing Condition?

A pre-existing condition is any medical issue for which you received diagnosis, medication, treatment, or medical advice before the insurance start date. Examples include:

  • Diabetes or high blood pressure.
  • Heart disease or history of stroke.
  • Asthma or lung conditions.
  • Arthritis or joint disorders.
  • Thyroid disorders.

Each plan defines “pre-existing condition” differently, often with a look-back period (for example, 180 days or 12 months before the policy start date). Always review the policy wording carefully.

🩺 What Are the Types of Pre-Existing Conditions Travel Insurance in Canada for Snowbirds?

Pre-existing travel insurance Canada plans are designed to protect travelers who have existing health conditions while visiting another country, especially the U.S. There are two main types of coverage available — Full Pre-Existing Condition Coverage and Acute Onset of Pre-Existing Condition Coverage, helping Canadian snowbirds choose the right protection for their specific medical needs while traveling abroad.

1. Full Pre-Existing Condition Coverage

Full Pre-Existing Condition Coverage, which means medical expenses related to existing health conditions can be covered even if treatment or symptoms reappear while you are abroad.

  • Ideal for travelers who want broader protection for ongoing medical conditions.
  • Example: INF Elite X, Visitors Protect and INF Premier X plans provide full pre-existing condition coverage for Canadians, with eligibility up to age 99.
2. Acute Onset of Pre-Existing Condition Coverage

Other plans include Acute Onset of Pre-Existing Condition Coverage, which protects travelers in case of a sudden and unexpected flare-up of a known condition such as a heart attack or stroke. This coverage is meant for true medical emergencies that occur without warning.

🏖️ Canadian Snowbird Travel Insurance for Pre-Existing Conditions

Snowbird travel insurance for pre-existing conditions is designed for Canadians who escape the winter chill and spend months in warmer destinations like Florida, Arizona, Mexico, or the Caribbean.

This type of insurance provides medical protection for travelers with existing health conditions, ensuring peace of mind while abroad.

❓What Is Covered

💊 Pre-Existing Conditions Coverage

Covers medical issues you had before purchasing the policy such as diabetes, heart disease, or high blood pressure. It helps pay for expenses if these conditions worsen or cause complications while you’re traveling.

🩺 Medical Evaluation

You may need to answer a few health questions or complete a short medical form. Insurers use this information to assess risk and determine your eligibility and premium.

💵 Coverage Limits

Each provider sets its own limits for medical care, hospitalization, and medications. Always read the policy carefully to understand what’s included and what’s not.

📅 Waiting Periods

Some plans have a waiting period (for example, 90–180 days) before pre-existing conditions are covered. Check this before you buy.

💰 Premium Costs

Expect higher premiums than standard travel insurance. Cost depends on your age, health status, trip duration, and destination.

🚑 What’s Typically Included

  • 🏥 Emergency Medical Care – Covers hospital stays, doctor visits, lab tests, and prescribed medicines.
  • ✈️ Medical Evacuation or Repatriation – Pays for transport back home if you need treatment in Canada.
  • 🧳 Trip Cancellation or Interruption – Reimburses you for trip costs if you must cancel or return home early due to a health issue.

📋 Documentation & Claims

To make a claim, you’ll need to provide:

  • 🩺 Medical reports and doctor’s notes
  • 💼 Proof of diagnosis or treatment
  • 💳 Receipts for expenses

Keeping detailed records will make the claim process smoother.

📋 Documentation & Claims

To make a claim, you’ll need to provide:

  • 🩺 Medical reports and doctor’s notes
  • 💼 Proof of diagnosis or treatment
  • 💳 Receipts for expenses

Keeping detailed records will make the claim process smoother.

🧭 Tips for Choosing the Right Snowbird Plan

To make a claim, you’ll need to provide:

  • 🔍 Compare multiple insurance providers before purchasing.
  • 📖 Read the fine print — understand exclusions and waiting periods.
  • 🧑‍💼 Get expert advice from American Visitor Insurance to find a plan that fits your medical and travel needs.
  • 🕒 Stay updated — insurance terms and requirements can change yearly.

💰 Snowbird Travel Insurance for Pre-Existing Conditions — Cost Guide

The cost of snowbird travel insurance for pre-existing conditions can vary widely based on your health, age, trip length, and destination.

Understanding these factors helps you choose the right plan and budget wisely.

🩺 Key Factors That Affect the Cost

💊 Type & Severity of Pre-Existing Conditions

More serious or complex medical conditions (like heart disease or diabetes) can increase your premium since insurers see them as higher risk.

🎂 Age

Older travelers often pay higher premiums. Insurance costs typically rise with age due to increased health risks.

🗓️ Trip Duration

The longer your winter stay, the higher your premium. Snowbirds traveling for several months usually pay more than short-term travelers.

🌎 Destination

Healthcare costs vary by country. For example, traveling to theU.S. usually costs more to insure than visiting Mexico or the Caribbean..

💵 Coverage Limits

Choosing higher coverage limits for medical expenses and emergencies means better protection — but also a higher premium.

📋 Deductibles and Copayments

Opting for a higher deductible can lower your premium, but you’ll need to pay more out of pocket if you make a claim.

⏳ Waiting Periods

Some policies include a waiting period (e.g., 90–180 days) before covering pre-existing conditions. Longer waiting periods can sometimes mean lower costs.

🏢 Choice of Insurance Provider

Different insurers have different pricing models. Comparing multiple providers helps you find affordable, comprehensive coverage.

🧳 Policy Add-Ons

Extra benefits like trip cancellation, baggage loss, or rental car coverage can add convenience — but also increase your total cost.

👨‍👩‍👧 Group or Family Coverage

Traveling as a couple or family? Some insurers offer group plans that are more cost-effective than individual policies.

💡 Tips to Get the Best Rate

  • 🔍 Compare multiple quotes on American Visitor Insurance to find the best price and coverage.
  • 🩺 Be honest about your health conditions to ensure valid coverage.
  • 📖 Read the policy carefully — look for stability requirements, exclusions, and claim rules.
  • 💬 Ask questions — consult an agent if you’re unsure what’s included.

👉 Pro Tip: The cheapest policy isn’t always the best. Choose a plan that balances affordability and reliable medical protection while you enjoy your time in the sun.

🏆 Which Is the Best Travel Insurance for Canadian Snowbirds With Pre-Existing Conditions?

The best travel insurance for Canadian snowbirds with pre-existing conditions includes INF Elite X, INF Premier X, and Visitors Protect, which offer full coverage for existing medical conditions. For travelers who only need protection for sudden flare-ups or acute onset of pre-existing conditions, plans like Venbrook Premier, Patriot America Plus and Safe Travels USA Comprehensive are excellent choices.

Patriot America Plus Insurance

The IMG Patriot America Plus plan offers comprehensive medical coverage for Canadian travelers visiting the United States. It’s especially popular among senior travelers and snowbirds because it includes coverage for the acute onset of pre-existing conditions, making it one of the best-value IMG travel insurance options for Canadians.

Pre-existing coverage details:
  • Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
  • This coverage applies if a pre-existing condition suddenly worsens while in the U.S.
  • Includes up to $25,000 for emergency medical evacuation related to an acute onset of a pre-existing condition.
  • Offers flexible policy maximum options ranging from $50,000 to $1,000,000.
  • Can be purchased before you leave Canada for trips lasting up to 12 months.

Safe Travels USA Comprehensive Insurance

Safe Travels USA Comprehensive is an excellent travel medical insurance plan for Canadian snowbirds with pre-existing conditions. It offers comprehensive coverage for non-U.S. citizens visiting the United States and includes protection for the acute onset of pre-existing conditions (including cardiac conditions and stroke) for travelers up to 89 years of age.

Pre-existing coverage details:
  • For persons under 70 years of age, the plan covers the acute onset of pre-existing conditions up to the policy’s medical maximum.
  • For those aged 70 to 79, non-cardiac acute onset benefits are limited to $35,000, and for travelers 80 years and older, the benefit is limited to $20,000.
  • In the case of cardiac and stroke-related acute onset incidents, the plan offers up to $25,000 for those under 70, and $15,000 for travelers aged 70 and above.
  • Emergency medical evacuation covered up to $25,000 for any condition covered under Acute Onset of a Pre-Existing Condition.
  • Policy maximum options from $50,000 to $1,000,000.

Venbrook Premier Insurance

Venbrook Premier is one of the best visitor medical insurance plans for Canadian snowbirds, offering coverage for the acute onset of pre-existing conditions, including cardiovascular events like heart attacks or strokes. It covers one sudden episode for travelers up to age 70, provided treatment begins within 24 hours of the first symptoms.

Pre-existing coverage details:
  • For Non-cardiac events are covered up to the policy maximum limit for ages up to 70 years.
  • While cardiac-related coverage covers up to policy maximum for ages up to 64 years, up to $25,000 for those aged 65 to 69 years and $15,000 for ages 70 and over.
  • Emergency medical evacuation covered up to $25,000 for any condition covered under Acute Onset of a Pre-Existing Condition.
  • Policy maximum options from $50,000 to $1,000,000.

INF Elite X Insurance

INF Elite X is one of the best travel insurance for Canadian seniors with pre existing medical conditions. It provides full pre-existing condition coverage up to age 99, making it ideal for older travelers with chronic health issues such as heart disease, diabetes, or hypertension. This plan offers comprehensive protection for future medical emergencies related to existing conditions, ensuring peace of mind during long stays in the U.S.

Pre-existing coverage details:
  • Ages 0–69: Choose from maximum benefits of $25,000, $30,000, $40,000, or $50,000, with deductible options ranging from $1,500 to $10,000.
  • Ages 70–99: Coverage for pre-existing conditions up to $20,000 with a $1,500 deductible.
  • Includes $15,000 for Hospital/ICU, hospital miscellaneous, and surgeries; $7,500 for emergency services; $5,000 for assistant surgeon; and $500 for prescriptions.
  • Emergency medical evacuation covered up to $25,000.
  • Policy maximum options from $150,000 to $1,000,000.
  • Coverage from 90 days to 364 days.

INF Premier X Insurance

INF Premier X is one of the best travel insurance for seniors with pre-existing conditions. It offers full pre-existing condition coverage up to age 99, making it a great choice for travelers seeking affordable yet reliable protection. This plan is especially suitable for Canadian snowbirds, parents, and seniors visiting the U.S., and it covers future medical emergencies related to existing conditions.

Pre-existing coverage details:
    Ages 0–69 years:
  • Option 1 – Choose a pre-existing condition coverage limit of $20,000, $30,000, $50,000, or $150,000 with a deductible of $1,000.
  • Option 2 – Choose a pre-existing condition coverage limit of $40,000, $60,000, $100,000, or $200,000 with a deductible of $5,000.
    • Ages 70–99 years:
  • Option 1 - $15,000 Maximum Benefit; subject to a $1,000 Deductible.
  • Option 2 - $25,000 Maximum Benefit; subject to a $5,000 Deductible.
  • Emergency medical evacuation covered up to $25,000.
  • Policy maximum options from $100,000 to $1,000,000.
  • Coverage from 90 days to 364 days.

Visitors Protect Insurance

Visitors Protect offers temporary medical coverage for travelers with pre-existing conditions up to age 99, making it ideal for Canadian snowbirds and long-term visitors. It provides comprehensive protection for conditions such as heart ailments or diabetes and is a strong option for families hosting elderly parents in the U.S.

Pre-existing coverage details:
  • Ages 0–69 years: Maximum coverage $25,000 with a $1,500 deductible.
  • Ages 70–99 years: Maximum coverage $20,000 with a $1,500 deductible.
  • Emergency medical evacuation covered up to $25,000.
  • Urgent care covered up to $25 copay.
  • Policy maximum options from $50,000 to $150,000.
  • Coverage from 90 days to 364 days.

💵 How Much Does Snowbird Travel Insurance Cost for Canadians?

Snowbird travel insurance costs for Canadians vary by age, trip length, and coverage for pre-existing conditions. Many seniors choose plans with acute onset or full pre-existing condition coverage for peace of mind abroad. The rates below are for a 65-year-old traveler, with plans starting at around $173 per month.

Travel insurance USA Coverage Deductible Provider Network Cost #
Patriot America Plus IMG $50,000 $250 United HealthCare $173
Venbrook Premier Venbrook International $50,000 $0 Part of PHCS network $205
Safe Travels USA Comprehensive Trawick International $50,000 $250 First HealthCare $224
Visitors Protect IMG $50,000 $250 United HealthCare $364
Premier X INF $100,000 $250 United HealthCare $393
Elite X INF $150,000 $250 United HealthCare $1,369

🌟 Best Snowbird Travel Insurance Plans for Pre-Existing Conditions

Feature INF Elite INF Premier Patriot America Plus Safe Travels USA Safe Travels Elite Safe Travels Comprehensive
Type Comprehensive Comprehensive Comprehensive Fixed / Comprehensive Fixed Comprehensive
Covers Pre-Existing? Full coverage for stable pre-existing Broader coverage incl. acute onset Acute onset only Acute onset only Limited pre-existing coverage Limited cardiac/stroke coverage
Maximum Benefit Up to $1,000,000 Up to $1,000,000 Up to $1,000,000 Up to $500,000 $25,000 (≤69 yrs) / $15,000 (≥70 yrs) $25,000 (≤69 yrs)
Cardiac/Stroke Coverage Yes Yes Limited Limited Yes Yes
Eligible Ages Up to 99 Up to 99 Up to 79 Up to 89 Up to 89 Up to 89

🛂 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.

⭐ U.S. Travel Insurance Reviews

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Snowbird Insurance for Canadian Residents

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🔎 How to Find the Best Travel Medical Insurance for Canadian Snowbirds With Pre-Existing Conditions?

Canadian snowbirds heading to the U.S. for the winter should carefully select a travel medical insurance plan, especially if they have existing health conditions such as heart disease, diabetes, or hypertension. Many U.S. visitor insurance plans either exclude pre-existing conditions or only cover the acute onset of such conditions, so choosing the right coverage is essential for a worry-free stay.

Travel Insurance Tips for Canadian Snowbirds with Pre-Existing Conditions.

  • Choose a plan that specifically includes pre-existing condition coverage — either full coverage or acute onset protection.
  • Check the age limits and policy type before purchasing.
  • Review coverage limits for pre-existing conditions, as they may differ from the policy’s overall medical maximum.
  • Understand any waiting periods or exclusions before coverage begins.
  • Carry medical records and prescriptions while traveling.
  • Contact your insurance provider immediately in case of a medical emergency in the U.S.

❄️ Snowbird Travel Insurance for Pre-Existing Conditions

Unlike many U.S.-based insurers, some providers offer specialized coverage that includes both full pre-existing condition protection and acute-onset coverage, giving Canadian snowbirds flexible options based on their health and budget.

1. Full Pre-Existing Condition Coverage Plans

These plans are ideal for travelers who have ongoing or stable medical conditions and want complete protection during their stay.

  • INF Elite X, INF Elite Plus X, and INF Elite 90 – Offer full coverage for pre-existing conditions up to age 99, ideal for seniors and long-term snowbirds.
  • INF Premier X – A fixed-benefit plan providing full pre-existing condition coverage up to age 99, suitable for managing chronic conditions such as heart disease or diabetes.
  • INF Premier Plus X – Offers comprehensive coverage for pre-existing conditions up to age 69, along with preventive and wellness care benefits.
  • Visitors Protect – Another great choice offering full coverage for pre-existing conditions, including cardiac and chronic health issues, ideal for extended U.S. stays.
2. Acute Onset of Pre-Existing Condition Coverage Plans

These plans are designed for travelers who are generally healthy but want protection against sudden, unexpected flare-ups of a pre-existing condition that require urgent care.

💡 Why Pre-Existing Condition Coverage Is Important for Snowbirds?

Many Canadian snowbirds are retirees or seniors with ongoing health concerns. Medical treatment in the U.S. can be extremely costly, and Medicare does not cover care outside Canada. Having travel insurance with pre-existing condition coverage ensures:

  • Access to quality healthcare abroad without high out-of-pocket costs.
  • Protection for sudden cardiac events, diabetic complications, or respiratory flare-ups.
  • Peace of mind for both travelers and their families during long winter stays in the U.S.

🛡️ 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 Medical Insurance Canada – FAQs

1. What is snowbird travel insurance?

Snowbird travel insurance provides emergency medical coverage for Canadian seniors and long-term travelers leaving Canada for extended stays, especially in warmer destinations like the USA. Since provincial health insurance offers limited out-of-country benefits, having Canadian snowbird travel insurance ensures protection against unexpected medical expenses. Most plans cover emergency healthcare but exclude preventive or ongoing care.

2. What do snowbirds do for medical insurance?

The purpose of snowbird travel medical insurance is to cover medical emergencies or injuries while outside Canada. It helps pay for hospitalization, doctor visits, and emergency treatments that cannot wait until returning home. This is essential coverage for Canadian snowbirds spending winter months abroad.

3. Can a snowbird visitor get health insurance in USA?

Yes. Snowbird visitors and tourists can buy travel health insurance in the USA. It’s best to purchase coverage before leaving Canada, covering the entire trip duration. However, most insurance companies also allow purchasing after travel begins, ensuring protection for the remainder of the journey.

4. How does Snowbird travel insurance work?

Snowbird travel insurance works by covering unexpected medical costs during your stay outside Canada. Many plans also include trip interruption, baggage loss, or delay benefits. In emergencies, you can seek care from any hospital or doctor. For non-emergencies, staying in-network (if applicable) helps minimize out-of-pocket expenses.

5. Do Snowbird tourists need travel insurance?

Yes. Home country health insurance typically does not cover Snowbird tourists abroad. Given the high healthcare costs in the USA, travel health insurance for Canadian Snowbird tourists is vital. It covers medical emergencies, trip delays, interruptions, and baggage loss — helping travelers avoid financial stress while abroad.

6. How much travel insurance do Snowbird travelers need?

The ideal coverage amount depends on your travel destination. For example, $50,000 may be enough for Europe or Asia. However, Snowbird travelers to the USA should consider higher coverage — $500,000 to $1 million — because of expensive U.S. healthcare costs.

7. What happens if a Snowbird tourist gets sick in USA?

If a Snowbird tourist becomes ill in the U.S., they can visit an urgent care clinic, doctor, or hospital. However, without insurance, they must pay for all services out-of-pocket. Having a U.S. tourist health insurance plan for Snowbirds ensures that medical expenses are covered during their stay.

8. How long do Snowbirds have to stay in Canada?

To maintain Canadian residency and healthcare eligibility, Snowbirds must spend at least 183 days (approximately six months) in Canada within a 12-month period. It’s wise to confirm requirements with a qualified immigration or legal expert.

9. How long can a Canadian snowbird stay out of the country?

Canadian Snowbirds can remain outside Canada for up to six months without losing residency status. However, it’s crucial to have travel medical insurance during this period, especially for travel to the USA where healthcare costs are significantly higher.

10. Can I get snowbird travel insurance if I have a pre-existing medical condition?

Yes, you can get snowbird travel insurance with a pre-existing medical condition. Coverage depends on the condition and provider. Some insurers offer full coverage, others only for acute onset of pre-existing conditions, and a few may have exclusions or waiting periods. Always review the policy details carefully.

11. What is the best travel insurance for Canadian seniors with pre-existing medical conditions?

The best travel insurance for Canadian seniors with pre-existing conditions includes INF Elite X, INF Premier X, and Visitors Protect, which offer full coverage for existing health conditions up to age 99. For those who only need acute onset protection, plans like Patriot America Plus, Safe Travels USA Comprehensive, and Venbrook Premier are excellent choices. These plans can be easily compared and purchased through American Visitor Insurance.

12. Do travel insurance plans cover pre-existing conditions for Canadian seniors?

Most travel medical plans only cover the acute onset of pre-existing conditions (sudden and unexpected flare-ups). However, some providers like INF Insurance and Visitors Protect offer comprehensive coverage that includes ongoing or chronic conditions such as diabetes, hypertension, or heart disease.

13. What age limits apply for Canadian senior travel insurance with pre-existing coverage?

Many plans provide coverage up to age 99. For instance, INF Elite X and INF Premier X extend full pre-existing condition coverage to travelers up to that age, while others like Premier Plus X cover up to age 69 with additional wellness benefits.

14. What are the best health insurance plans for Canadian snowbirds?

The best health insurance with pre existing conditions canada include plans like INF Elite X, INF Premier X, Visitors Protect, Patriot America Plus, Venbrook Premier, and Safe Travels USA Comprehensive.

15. Which is the best travel insurance with pre-existing conditions Canada?

The best travel insurance that covers pre existing conditions Canada are INF Elite X, INF Premier X and Visitors Protect (for full pre-existing condition coverage), and Patriot America Plus, Venbrook Premier, and Safe Travels USA Comprehensive (for acute onset protection). These can be compared and purchased through American Visitor Insurance.

16. Which is the best travel health insurance for visitors to Canada with pre-existing conditions?

The best travel health insurance for visitors to Canada with pre-existing conditions includes INF Elite X, INF Premier X and Visitors Protect, which offer full coverage for existing medical conditions up to age 99. These plans are ideal for seniors and long-term visitors who want comprehensive protection for ongoing health issues such as heart disease, diabetes, or hypertension.

For travelers who only need acute onset coverage for sudden and unexpected flare-ups of a condition, plans like Patriot America Plus, Venbrook Premier, and Safe Travels USA Comprehensive are excellent options.

All these plans can be easily compared and purchased through American Visitor Insurance, helping visitors to Canada find the right protection based on their health status and travel duration.

17. Which is the cheapest snowbird travel insurance for pre-existing conditions?

The cheapest snowbird travel insurance for Canadian travelers with pre-existing conditions is Safe Travels Advantage, which starts at around US $19 per month at American Visitor Insurance. Other budget-friendly choices for Canadian snowbirds include Venbrook Essential (from about US $25/month) and Visitors Care, both of which offer lower-cost coverage with acute onset protection.

18. Which travel insurance plans are best for Canadian snowbirds in their 70s?

For Canadian snowbirds in their 70s, especially those with pre‑existing medical conditions, look for plans that offer strong medical coverage, flexibility for longer stays, and stable pre‑existing condition protection. Some of the best options include:

  • INF Premier X — Affordable fixed‑benefit plan designed for seniors with pre‑existing conditions, with full pre‑existing condition coverage up to age 99.
  • Safe Travels USA Comprehensive — Broad medical coverage including acute onset of pre‑existing conditions, up to age 89 for U.S. stays.

These plans are ideal for extended U.S. stays and help give peace of mind by covering unexpected medical emergencies during travel.

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🧾 Summary of Travel Insurance for Canadian Snowbirds With Pre-Existing Conditions

Canadian snowbirds planning extended stays in the U.S. should secure the right travel medical insurance, especially if they have pre-existing conditions like diabetes, heart disease, or hypertension. Many U.S. visitor insurance plans exclude such conditions or only cover their acute onset, making it crucial to choose wisely. Through American Visitor Insurance, travelers can compare top-rated plans that offer both full pre-existing condition coverage and acute onset protection.

Popular options include INF Elite X, INF Premier X and Visitors Protect, which provide full coverage for pre-existing conditions up to age 99. For those seeking acute-onset coverage, plans like Patriot America Plus, Venbrook Premier, Safe Travels USA Comprehensive and Visitors Care offer strong benefits for sudden medical flare-ups. These plans help Canadian snowbirds access quality healthcare in the U.S. without high out-of-pocket expenses, ensuring peace of mind throughout their winter stay.

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Which Are the Best Travel Insurance Companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, Travelex, INF insurance, HTH Worldwide and Venbrook International.

Which are the best visitors insurance companies in USA?

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