Travel insurance for snowbirds
August 2022 – 15 min read
Travel medical coverage can be essential if you’re spending time outside Canada
Your provincial coverage and/or personal insurance likely may not cover many emergency medical costs while you’re travelling outside the country
Travel medical insurance can be added as an affordable extra to a personal insurance plan
Take your health card with you
Before you jet off, make sure you haven’t left your provincial health information (like your card if you have one, for example) behind – and ensure that it’s valid and has your most up-to-date personal information on it, including your current address.
What does emergency travel medical insurance for snowbirds cover?
This varies from plan to plan, but if you take Canada Life’s Freedom to Choose as an example, it can cover needs like:
Emergency care, like an injury or sudden illness
Medical evacuation, either home to Canada or the nearest place with an appropriate level of care
Emergencies due to a pre-existing condition, although a level of pre-travel stability may be required
Can you get travel medical insurance if you’re over 70?
Yes, although you may pay a higher premium than a younger person would. In fact, Canada Life’s Freedom to Choose offers emergency travel medical coverage up to age 80.
Evaluate how much time you’ll be spending outside Canada this year, and find an insurance plan that works for your travel needs
Make sure your provincial health card is valid before you travel, and ensure you’re spending the correct number of days in Canada to maintain coverage