Innovative Insurance Solutions

Travel Insurance

Snowbird and 50-Plus Traveller Tips

If you choose to travel during the pandemic, please do your due diligence to help protect yourself. Because the Government of Canada’s Level 3 Travel Advisory is not a ban, we know that some will travel abroad. If you plan to travel out-of-country, read the government advisories so you know the risks. IE: even with coverage for COVID-19 related expenses, it could be difficult to access vital medical services outside of Canada during the pandemic.

Click Here to read the Government of Canada’s COVID-19 Travel Advisories and advice.

Travel, home and auto insurance should never be considered as “get it and forget it” products. This is especially true for snowbirds. Along with changing protection needs, there could be limitations in place, or conditions that must be adhered to for coverage to be valid.

Take time to confirm your insurance requirements, the terms and conditions of your policies, and your responsibilities. It can be a costly mistake to assume you’re covered. If you have questions, check with your insurance provider before you leave for vacation!

Travel Insurance


  • Take a copy of your travel insurance policy with you, and keep the travel assistance telephone number in your wallet.
  • Do notify your insurer if your medical condition changes between the time you buy your insurance and its effective date. A health change in the interim might invalidate your coverage.


  • Don’t buy your travel insurance at the last minute. You need to understand your policy’s benefits, limitations and exclusions. If you need to provide medical information you may want to consult your doctor or your pharmacist or a family member who knows about your medical history.
  • REMEMBER: most claim denials are the result of customers not understanding what they’ve purchased, not reading their policy to learn exactly what is and isn’t covered, and not understanding their own obligations in the case of a medical emergency.


  • Be aware of your policy’s time restrictions for out-of-province coverage. If you decide to stay a few more weeks, can your policy be extended after you’ve left home? This is a question to ask before you leave!
  • You must meet “physical presence” requirements in order to maintain provincial health insurance coverage. IE: while Ontario residents can obtain out-of-province travel insurance coverage for up to 212 days in any 12 month period, you must be in Ontario for at least 153 days in any 12 month period. If in-province requirements are not met, you may be ineligible for provincial health insurance.
  • For the “physical presence” requirements across Canada, check with your insurance provider or on your provincial and territorial health insurance plan website.