Snowbird Travel Insurance: USA Travelers from Canada and UK


Are you a Canadian or UK national considering spending winter in the USA? If so, you’ll need to purchase Snowbird Travel Insurance. Here’s what you need to know.

What Is Snowbird Travel Insurance?

Snowbird travel insurance is a policy that is designed to protect Canadian and British expats who live in the United States for part of the year. It provides coverage for medical expenses, emergency travel home, and lost or stolen property.

It is important to note that snowbird travel insurance is not a substitute for health insurance. The policy will not cover pre-existing conditions, and you will need to purchase a separate policy if you plan to travel outside of the United States.

What Are the Benefits of Snowbird Travel Insurance?

There are several benefits of having snowbird travel insurance. Here are some of the most important ones:

  1. Peace of mind – Knowing that you’re protected in case of an emergency can give you peace of mind while you’re on your trip.
  2. Coverage for pre-existing conditions – If you have a pre-existing condition, many snowbird travel insurance policies will cover you.
  3. Coverage for lost or stolen luggage – If your luggage is lost or stolen, your policy will likely reimburse you for the cost of replacing it.
  4. Coverage for medical expenses – If you require medical attention while you’re on your trip, your policy will likely cover the cost of your treatment.

Who Is Eligible for Snowbird Travel Insurance?

Snowbird travel insurance is available to anyone who meets the eligibility requirements. The rules vary depending on your country of residence, so it’s important to check the specific conditions for your situation.

Generally speaking, you will be eligible for snowbird travel insurance if you are a Canadian or UK resident planning to spend more than 183 days in the United States in any 12-month period. You must also be in good health and have a valid Canadian or UK passport.

What Does Snowbird Travel Insurance Cover?

Snowbird travel insurance provides coverage for a variety of unexpected events, including medical emergencies, trip cancellation and interruption, baggage loss or delay, and more. Depending on the plan you choose, your coverage could include many of these benefits:

  • Medical expenses, including hospitalization and doctor visits
  • Emergency evacuation
  • Trip cancellation due to covered events
  • Trip interruption due to covered events
  • Baggage protection for lost or damaged items
  • Flight delay protection if your trip is delayed for more than a specified amount of time
  • And much more.

It’s important to carefully review the terms of your policy before you purchase it so you know exactly what type of coverage you’re getting. With the right snowbird insurance policy in place, you can rest assured that any expenses incurred while traveling will be taken care of.

How to Get the Best Rates on Snowbird Travel Insurance

If you’re planning a trip to the USA as a Canadian or UK resident, snowbird travel insurance is essential to ensure you’re covered while traveling. Getting the best rates on this type of insurance can be tricky, but with some careful research and knowledge of what to look for, you’ll be able to find the coverage that’s right for you at an affordable price.

First, it’s important to understand what types of insurance coverage are available and which ones you might need in order to get the best rates. 

Common coverages include:

  • trip cancelation/interruption
  • medical expenses
  • repatriation
  • and travel assistance

In addition, make sure you read the policy thoroughly and ask about any discounts or loyalty programs you may qualify for. You should also look into purchasing an annual policy if you plan on traveling more than once in a certain period of time – this can help save money in the long run.

FAQs on Snowbird Travel Insurance

There are many questions that US travelers from Canada and the UK may have about Snowbird travel insurance. To help answer some of these questions, here are a few FAQs:

Q: Is Snowbird travel insurance eligible for all USA travelers from Canada and the UK?

A: Yes, Snowbird travel insurance is available to all types of travelers in these countries.

Q: Does Snowbird travel insurance cover pre-existing conditions?

A: Yes, if the pre-existing condition is deemed acceptable by the provider, it will be covered under the policy.

Q: Does Snowbird travel insurance cover medical expenses?

A: Yes, depending on the type of policy purchased, medical expenses can be covered up to a certain limit.


If you’re a Canadian or UK citizen who spends winters in the USA, whether you’re retired or still working, it’s important to have the right travel insurance in place. Snowbird travel insurance can cover you for a range of situations, including medical emergencies, trip cancellations, and lost or stolen baggage.

When shopping for snowbird travel insurance, it’s important to find a policy that’s right for your needs. Some policies are geared specifically towards retired snowbirds, while others offer more comprehensive coverage. It’s also important to make sure your policy covers travel to the USA, as not all policies do.

Make sure you review your policy carefully to make sure you understand what’s covered and what’s not. If you have any questions, don’t hesitate to contact your insurance provider for more information.