Snowbird Medical Insurance

2011 Seniors Medical Insurance

October 4, 2011 - Canadian seniors planning to travel south this winter are encountering numerous challenges. The Canadian dollar has plummeted 10% recently which makes traveling to the USA more expensive this year. The global economy continues to cause financial uncertainty. Unrest on the USA/Mexican border is making the border regions unsafe. We feel this is a good opportunity to revisit some good ways to ensure our senior travellers have adequate medical insurance coverage for this travel season.

Will I be covered for my pre-existing medical condition? This is the most asked question from our traveling senior customers. Seniors should carefully understand how pre-existing condition exclusion clauses work and how they apply to their in their travel insurance plan. . read more

Already covered by a multi-trip annual plan but planning a trip longer than the maximum number of coverage days allowed? Then you can use our quote system to get rates on top-up coverage that will cover the days that your multi-trip plan will not cover. . read more

In most cases, purchasing single trip coverage is the least expensive option but not always! If you are a Canadian snowbird who takes several more shorter trips through the remainder of the year it may be more economical to combine (or blend) a multi-trip plan plus extra top-up days to cover your long snowbird trip. Then once you return your annual plan will continue to cover you through the remainder of the year. . read more

In most cases, our powerful travel medical insurance quote system will find coverage for senior customers with pre-existing medical conditions. If you do no qualify for one of the plans available from our quote system then you may still be able to obtain coverage by completing a medical underwriting application. On request we can supply you the necessary applications. . read more

What happens if you decide to stay longer then expected? If you have not had a claim then most companies will extend your trip. Although some companies may not extend beyond a maximum trip length (normally 6 months). If you are delayed due to weather or transportation delays most medical insurance policies have an automatic grace period from 42-72 hours. Please check the policy booklets for more details.

If you purchase medical travel insurance and your trip gets cancelled prior to departure then you can apply for a refund of the premiums paid. There may be a nominal administrative fee applied to refunds. Please check you policy booklet for details.