Most popular international Snowbird destinations

American travelers (65+ years) that International Medical Group (IMG) has designed GlobeHopper Senior as an affordable overseas travel medical insurance option.
The GlobeHopper Senior plan is attractive since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.
The GlobeHopper Senior plan is available as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as the GlobeHopper Senior Multi-trip plan that covers 12 months with a maximum of 30 days for each overseas trip.

For Canadian Snowbirds, leaving behind the harsh winters and enjoying the sunny southern states can be a truly delightful experience. While spending extended time in the US, it is crucial to find the right travel health insurance plan to get health care coverage in case of any unforeseen circumstances. Unexpected medical incidents can result in a huge out of pocket expense which can completely ruin your extended stay. Here's some insight on the plans available for Canadian snowbirds, their features and answers to the FAQs that the travelers might want to know before they begin their trip.

• Medical Coverage: Ensure that the travel health insurance plan provides comprehensive flexible coverage for sickness and injuries and for coverage for emergency medical evacuation and repatriation.
• Pre-existing conditions: It is beneficial to see if the travel medical insurance plan for Canadian snowbirds provides good coverage for pre-existing conditions related medical expenses. Typically, most plans provide coverage for acute onset or sudden recurrence of pre-existing conditions.
• Baggage, personal liability,travel delay, missed connections: It is good to have coverage for baggage loss in case the baggage is stolen or gets damaged with our personal items.Similarly coverage for personal liability is helpful in case we cause injury accidentally to someone or damaged their property accidentally.Coverage for travel delays and missed connections will be relieving when there is coverage for additional expenses incurred due to these factors.
• Duration of coverage and Cost: It is important that the Snowbird insurance for Canadian Snowbirds covers the entire duration of the stay and possible extensions of the stay during winter. Therefore, check to see if the travel insurance plan is renewable. Comparing different plans and their costs will help to get good value for the money while providing adequate coverage.
• Reviews and exclusions: Read the policy document carefully to know what is excluded in the coverage and read the customer reviews to see if the provider is a reputed provider.

At American Visitor Insurance, we offer travel health insurance plans for Canadian snowbirds coming to the US enduring harsh winter conditions keeping in mind the important list of factors mentioned above. Customers can visit our visitor medical insurance where you can find pre-existing travel health insurance and senior travel insurance pages to get good insight on the travel medical insurance plans including annual multitrip plans for Canadians visiting the US during Winters.

Snowbird travel insurance is designed for travelers from colder countries, often retirees or seasonal travelers, who spend longer periods away from their primary residence during the winter months. These travelers frequently move to warmer destinations such as Florida, Arizona, or other parts of the United States, Canada, or abroad to escape the colder climate.

Importance of Snowbird Travel Insurance:
Healthcare is quite expensive in the destination. Snowbird travel insurance ensures they are covered for medical emergencies, accidents, or illnesses during their stay. Some of the Snowbird plans provide coverage for the acute onset of pre-existing medical conditions, which is critical for older travelers who may have ongoing health issues. These plans often include additional benefits like medical evacuation, trip interruption, or repatriation, making them ideal for long-term travelers. Snowbird travel insurance is important for safeguarding health and finances while living temporarily away from home.

Yes, Some Snowbird travel insurance plans offer coverage for pre-existing medical conditions, but the extent of coverage depends on the specific plan. Typically, this coverage is provided under the following terms:

• Acute Onset of Pre-existing Conditions: Some plans cover the acute onset (a sudden and unexpected flare-up) of pre-existing medical conditions. This is a common feature in many Snowbird insurance plans.
• Waiting Periods: Certain policies may require a waiting period before the pre-existing condition coverage becomes effective.
• Age Limits: Coverage for pre-existing conditions may vary by age, with some plans offering more limited benefits for older travelers.
• Plan-Specific Terms: Each policy defines what qualifies as a pre-existing condition and the scope of the coverage.

List of the plans that cover pre-existing medical conditions:

• Safe Travels USA Comprehensive
• Patriot America Plus
• Safe Travels USA
• Diplomat America
• Patriot Platinum America

Yes, Snowbird insurance plans are generally renewable for long-term stays. Many of these plans are designed for travelers who spend an extended period of time outside their home country, such as those who split their time between the US and Canada or other destinations. These insurance plans typically offer annual renewal options, allowing travelers to extend their coverage for another year, as long as the policyholder meets the eligibility criteria.

Renewable Plans for Long-Term Stays:

• Patriot America Plus and Patriot Platinum plans available from 5 days to 364 days and these plans can be renewed up to 2 years.
• Trawick International Safe Travels USA plans available from 5 days to 364 days,these plans can be renewable

Yes, Snowbird travel insurance often provides coverage for medical evacuation. This is a key feature of many Snowbird insurance plans, ensuring that if you are injured or become seriously ill while traveling, you can be safely transported to the nearest medical facility or back to your home country for treatment.

• Safe Travels USA Comprehensive
• Patriot America Plus
• Safe Travels USA
• Diplomat America
• Patriot Platinum America

Yes, Snowbird insurance plans can often be purchased for multiple trips throughout the year, making them ideal for individuals who travel regularly, such as those spending part of the year in one country and the other part in another (e.g., traveling between cold and warm climates).

Some Snowbird insurance plans offer annual coverage or multi-trip options, which allow you to be covered for several trips over a specific period, typically one year. These plans can save time and money compared to buying separate policies for each individual trip.

• Patriot Multi-trip annual insurance multi-trip option through out the year. This Annual multi-trip insurance plan covers trips up to 30, 60 and 90 days in length per trip, but you may take several trips throughout a period of one year. Visitors insurance plan has a maximum lifetime of 12 months to continuous 36 months

Considering the essential factors for travel health insurance plans tailored for Canadian snowbirds during their extended winter stays in the US, here are some great cost-effective options that offer comprehensive coverage for important benefits:

• Safe Travels USA Comprehensive:
  The plan provides a policy maximum up to $1,000,000 starting from $20,000 and deductible options are available from $0 to $5000. Co-insurance is covered up to 100% by the company. Plan provides coverage for ages 14 days to 89 years of age. Plan is available from 5 days to 364 days and is renewable up to 364 days. The plan provides coverage of $20,000 for acute onset of pre-existing conditions up to age 64, $10,000 coverage for age 65- 69 and not available for 70+. Emergency medical treatment of pregnancy is available up to $1000. One wellness doctor visit per period of insurance for $125 is available with this plan. Cardiac conditions and stroke expenses are covered up to $25,000 for age up to 69 per period of insurance and $15,000 for ages 70+. For further benefit details, please check out the brochure of the plan. Covid-19 is covered under this plan.
• Patriot America Plus:
  The plan provides policy maximum up to $1,000,000 and deductible options available from $0 to $2500. The plan provides necessary coverage for acute onset of preexisting condition coverage for the individuals under 70. Covid -19 is covered under the plan as any other illness. Emergency Medical Evacuation is covered up to $1,000,000. Political Evacuation and Repatriation is covered up to $100,000. Coverage for Dental Treatment, Personal Liability, Eye Examination... is covered under this travel health insurance plan. For further information, please take a look at the brochure of the plan.
• Safe Travels USA:
  Policy provides a medical maximum up to $1,000,000 starting from $50,000 and deductible options up to $5000 starting from $0. For unexpected recurrence of pre-existing conditions, the plan pays $1000 up to age 69. Plan provides coverage for ages 14 days to 89 years of age. Plan is available from 5 days to 364 days and is renewable up to 364 days. Covid-19 is covered with this travel medical insurance plan. Cardiac conditions and stroke expenses are covered up to $25,000 for age up to 69 per period of insurance and $15,000 for ages 70+. Emergency medical treatment of pregnancy is available up to $1000. One wellness doctor visit per period of insurance for $125 is available with this plan. For further benefit related information , please have a look at the brochure of the plan.
• Diplomat America:
  The policy maximum options for this plan is available up to $1,000,000 starting from $50,000 and the deductible options are available up to $5000 starting from $0. The Co-Insurance of the plan is 80% of the incurred expense is covered by the plan up to $5000 of the expense and then the plan pays 100% after the deductible. Additional $250 deductible will be applicable for each emergency room visit as a result of an illness. Emergency Medical Evacuation and Repatriation is covered up to $250,000 with this comprehensive visitor health insurance plan from Global Underwriters. For further information on the plan, please check the brochure of the plan.