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Travel Insurance question

Posted date : Jul 21, 2022.

We are new to being snowbirds. Please tell me that there is a travel insurance plan out there which covers you for 150 days without having to come across the border every 30-33 days? What is the point of buying travel insurance if you have to come back every 30-33 days? It is very costly to have to cross the border each month? Confused on travel insurance…help…

Nerepis, NB

Ed.: Medipac will be happy to insure you for any trip up to 212 days in length. And there is no requirement for you to cross back and forth across the border. The U.S. allows you to visit for up to six months, in any 12-month period. That is not a calendar year; it is ANY 12-month period. Don’t forget to take advantage of Medipac’s Early Bird Discount. Buying your insurance now can be very effective for savings.

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Home / Travel Insurance / Learning Center /

Guide to snowbird travel insurance for Canadians (2024)

Snowbird travel insurance is a type of insurance designed for Canadians who go on long trips outside of their home province or territory. This type of policy is usually for older travellers, like seniors, because they are the main group of snowbirds.

What is snowbird travel insurance?

Why do snowbirds need travel insurance, how does snowbird travel insurance work.

• Do snowbird travel insurance plans cover pre-existing health conditions?

How much does snowbird travel insurance cost?

Which canadian insurance companies offer snowbird travel insurance, where to find the best snowbird travel insurance.

• How to get professional insurance advice

Every year, thousands of Canadians say goodbye to the Great White North as they embark on long trips abroad to escape the cold winter months. But, like many travellers, the topic of insurance may not cross these snowbirds’ minds until they’re on the plane. By then it may be too late.

Travel insurance is great for emergency expenses on shorter trips. But, what do Canadians rely on for peace of mind when they’re spending months abroad? This article will go into detail about how snowbirds can make sure they don’t have to pay a lot of money if they have an emergency while away from home.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Snowbird travel insurance is a special type of travel insurance just for Canadians who go on long trips away from their home area. These plans mostly offer good deals for seniors because they are the main group of snowbirds.

One of the main differences between regular travel insurance and snowbird travel insurance is how long the plans last. Regular travel insurance covers shorter trips, up to 21 days away from home. But snowbird travel insurance can cover up to 212 days.

When buying a travel insurance plan, snowbirds can choose one of the following:

• Single-Trip Plan: Covers just one trip
• Multi-Trip Plan : Covers more than one trip taken within a year
• Top-Up Plan: Extends coverage if they stay away for longer

Did you know?

What is a snowbird?

A snowbird is a Canadian who travels away from home to spend their winter months somewhere with a warmer climate. Most snowbirds are retired Canadian seniors. Some of the most common places snowbirds travel to include:

• The Caribbean

Snowbirds usually spend months living in a warmer country during the winter. Or, they may “hop” to a few different places before returning back home to Canada once the weather’s warmer.

Travel insurance policies can help snowbirds pay for unexpected travel expenses that may come up on their journey to or during their stay in countries with warmer climates. And snowbirds have special considerations to keep in mind:

1 Longer trips = greater risk

2 Older travellers are more likely to need health care

3 Medical expenses can be extreme away from home

Depending on how long you travel for, your government health insurance plan may even lapse, leaving you with no coverage at all. This means you would be paying out of pocket for any medical attention you need. And 212 days, or about 7 months, is a long time to not have any insurance.

Does OHIP cover snowbirds?

Yes, the Ontario Health Insurance Plan (OHIP) and other provincial health insurance plans can cover Canadian snowbirds in some cases. But it’s very limited coverage. They will only pay for a very small amount of your medical expenses if you get sick outside of Canada. Or they may not pay for anything at all. And, if you stay outside of Canada longer than the allowed number of months, it will stop covering you.

This is why the Canadian government says that any Canadian going on a trip — including snowbirds — should make sure they get their own  travel medical insurance plan . It’s the best way to avoid having to pay extremely high bills if you need medical care while away from home.

With snowbird travel insurance, you pay a fee ( premium ) to an insurance company and in return, they will help pay for costs that may come up if you have a travel emergency. As with most travel insurance , snowbirds customize their plan to fit their needs. They have to pick:

• Coverage amount (ex: $500,000, $1M – $5M, etc.)
• Coverage period (number of days)
• Deductible options (how much you would have to pay in an emergency before insurance kicks in)
• Type of coverage (ex: medical only, trip interruption /cancellation, or more)

They also have to meet certain requirements to get a travel insurance plan, which we’ll discuss more later in this article.

What does snowbird travel insurance cover?

Snowbird travel insurance usually refers to emergency medical travel plans that help pay for costs if you suddenly have to see a doctor or go to the hospital while you’re away from home.

But it can also cover emergencies that aren’t about your health. Snowbird travel plans can cover things like:

• Trip cancellation
• Trip interruption
• Lost or stolen baggage
• Emergency healthcare  (hospitalization fees, ambulance fees, etc.)
• Emergency dental treatment
• Prescription drugs
• Emergency evacuation
• Emergency repatriation of remains
• 24-hour travel assistance services
• Pre-existing medical conditions

What you’re covered for depends on the type of travel plan you get and who your insurance company is . You should check the policy wording before you buy a plan to make sure that it covers everything you need. Or, you should speak with one of our travel insurance specialists  so they can help you get the plan you need.

What does snowbird travel insurance not cover?

In general, travel insurance will not cover:

• Routine checkups
• Planned medical procedures
• Cosmetic surgery
• Planned dental expenses

Insurance companies will list anything they won’t cover in a section called “exceptions” in the policy wording. Be sure to carefully read this section or speak with an insurance advisor to find out what you are and are not covered for.

Do snowbird travel insurance plans cover pre-existing health conditions? 

Yes, snowbird travel insurance plans can cover pre-existing health conditions that are stable. This means the health issue must not have:

• Gotten worse
• Caused new symptoms
• Needed a new diagnosis
• Needed new treatment

Insurance companies also look at how long a pre-existing medical issue has been stable. Different companies have different rules about this length of time. They call this a “ minimum stability period ”. It means that they will only cover a pre-existing condition if it has been stable for at least that amount of time. It’s usually for 90-180 days.

Insurance companies do this because they want to be sure your medical condition won’t cause problems when you’re away for an extended period of time. This is especially for snowbirds, who may be away from home for months at a time.

Some travel insurance companies may not ask you to meet the minimum stability period. Others, like Tugo, may have a special plan for unstable pre-existing conditions coverage. But these types of policies may be rare and will likely be more expensive.

What do Canadians need to get snowbird travel insurance?

To be eligible for snowbird travel insurance plans, travellers usually have to be:

•  At least 55 years old
• A Canadian citizen or permanent resident
• Travelling outside of their home province or territory for between 90 to 212 consecutive days

But different types of travel plans can also have different rules. For example, if someone buys annual multi-trip insurance that covers more than one trip they go on in a year, the company may have rules about how many days can be covered for each trip. ( Learn more about annual multi-trip travel insurance )

Also, if you’re younger than 55, don’t worry! This is just a general rule for some travel insurance companies. Many other companies have travel insurance options  for anyone older than 18 days old! So, you likely have a lot of insurance choices for your travels even if you can’t get some companies’ specific snowbird plans.

You should find out the exact details of any insurance plan you may be interested in. Read the policy wording or speak with one of our expert advisors to find out what the requirements are and make sure you have adequate coverage for your trip!

Snowbird travel insurance rates depend on:

• Trip duration
• Destination
• Type of coverage
• Amount of coverage
• Deductible options

You can expect a snowbird travel insurance policy to cost hundreds. But the cost is well worth the peace of mind of knowing that you’re covered in case an emergency happens. And it’s still far cheaper than the hundreds of thousands in medical costs you could have to pay for emergency health care. The table below shows some costs from top providers.

How much does a snowbird travel insurance policy cost?

This is just an example, but keep in mind that prices can change based on the factors we mentioned earlier in this article. For instance, choosing higher deductible options would make your premium lower. Or getting coverage for $1 million instead of $5 million would also change the price. You might also be able to get a discount for travel within Canada.

You can easily get a snowbird travel insurance quote on PolicyAdvisor.com ! We have a free quoting tool that lets you customize your plan and see travel insurance options from more than 30 of Canada’s best insurance companies in less than a minute. Plus, you can call us or chat with one of our travel insurance specialists online if you want a professional to help you out.

Many Canadian insurance companies sell travel insurance that snowbirds can use when they travel for the winter. Only some companies have travel packages that are just for snowbirds, though. Some of these companies are:

✈️ Blue Cross

A lot of Canadians recognize Blue Cross. They’re known for their travel insurance plans, and they offer really good rates to seniors. Blue Cross’ snowbird plans cover up to $5 million in emergency medical expenses. And they cover stable pre-existing conditions.

✈️ Desjardins

Desjardins is another insurance company that a lot of Canadians know about. They’re mostly known for other types of insurance products, but they offer travel insurance too. Their travel insurance plans for Canadian snowbirds cover up to $5 million for medical emergencies.

✈️ Group Medical Services (GMS)

GMS may not be as well-known, but they’re a good travel insurance company. They can also give Canadian snowbirds up to $5 million for emergency healthcare coverage. GMS’ snowbird travel insurance plans cover stable pre-existing health conditions. And they let you extend your plan day-by-day if you need additional travel insurance coverage.

✈️ Medipac

Medipac is another Canadian insurance provider that covers stable pre-existing conditions and can cover up to $5 million for urgent health care for snowbirds.

Canadian snowbirds can find the best travel insurance policy for their needs at PolicyAdvisor.com ! The best snowbird travel insurance policy is the one that meets your specific needs and budget. And you can easily shop around for the perfect one on our website.

There are a lot of different factors to consider when choosing a plan, so it’s important to do your research and compare or speak with one of our expert advisors who can help find the plan that works best for you.

Travel Insurance Tip

Can snowbirds get travel insurance through their credit cards?

Yes, Canadian snowbirds can get some form of travel insurance coverage  through their credit cards. Many travel credit cards now come with “perks” like travel insurance. But, we strongly advise Canadian snowbirds not to rely on this type of coverage.

Credit card travel coverage usually comes with a lot of rules about what’s not covered. Many of them also only cover you for a very short period of time, so they’re not a great choice for snowbirds who travel away from home for months. They can also have rules like only covering one person, or not covering anyone who’s older than age 65.

If any traveller has credit card travel insurance , they should use it but still get their own travel plan too. This will make sure they actually get the coverage they need. And this is especially important for snowbirds, since they travel so far away for so long, and since they may need something to cover health issues they already have .

Can snowbirds get travel insurance after leaving Canada?

Yes, it is possible to get travel insurance after you’ve already left Canada — but here’s why waiting until the last minute is not a good idea:

⚠️ You’ll have fewer options

⚠️ You’ll leave yourself vulnerable to mishaps

It’s always a much better idea to get your travel insurance before your trip starts and long before you’re even at the airport. A lot of snowbirds arrange their travel insurance right when snowbird season starts and they decide which dates they’re going to leave and come back.

When is it too late to buy travel insurance?

Generally speaking, it’s too late to buy travel insurance if you’re already abroad and an emergency is happening. So, you absolutely do not want to get to that point! Speak with one of our advisors to get a travel insurance quote and make arrangements ahead of time.

Do travel advisories affect snowbird insurance coverage?

Yes, travel advisories affect whether snowbird travel insurance will cover you or not. This is the same for any travel insurance plan . If there is a travel advisory against your destination of choice but you still go there, your insurance company won’t cover you.

Travel advisories are just one of the cases where travel insurance won’t cover you — these are called “exceptions”. There are other exceptions too. For instance, if you go on a trip even when your doctor has told you not to travel. In this case, the travel insurance company again won’t cover you. Check your policy to find out what all of the exceptions for your snowbird travel plan are.

Is COVID-19 covered under snowbird travel insurance plans?

Yes, most snowbird insurance policies cover emergencies related to COVID-19 . When the pandemic just began, there was some confusion about what would be covered and what wouldn’t. But most travel insurance companies quickly adjusted to include it in their plans. That means most travel insurance plans will cover unexpected costs related to COVID-19, like quarantine or medical treatments.

Read more about COVID-19 travel insurance coverage .

How to get professional insurance advice? 

If you need help finding the best snowbird travel insurance, or if you’re unsure about something, don’t forget that you have a free resource available in us! The friendly, licensed agents at PolicyAdvisor are here for you if you need support. Click the button below to schedule a call and speak to an advisor when it’s convenient for you!

• Snowbird travel insurance covers medical emergencies or other unexpected travel costs for Canadian seniors who spend months away from home
• Snowbirds have more reasons than others to make sure they're protected when they travel to warmer climates during the winter
• Some companies have special snowbird travel insurance packages, but many others offer standard travel insurance policies that can work for snowbirds' needs

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The information above is intended for informational purposes only and is based on PolicyAdvisor’s own views, which are subject to change without notice. This content is not intended and should not be construed to constitute financial or legal advice. PolicyAdvisor accepts no responsibility for the outcome of people choosing to act on the information contained on this website. PolicyAdvisor makes every effort to include updated, accurate information. The above content may not include all terms, conditions, limitations, exclusions, termination, and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. All rights reserved.

If something in this article needs to be corrected, updated, or removed, let us know. Email  [email protected] .

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I haven’t travelled because of COVID-19. Do my discounts still apply?

Many Canadians were not able to travel for the past few seasons. In many cases for returning clients, Medipac has maintained your discounts.

Does the Medipac Policy provide coverage for Covid-19?

The Medipac policy provides coverage for COVID-19 related illness that may occur while you are travelling. For even more coverage, we recommend you add MedipacMAX to your policy. Terms and Conditions Apply.

Do I have to be a member of the Canadian Snowbird Association (CSA) to purchase Medipac Travel Insurance?

No, CSA membership is not required to purchase Medipac Travel Insurance. However the CSA, as an independent not-for-profit volunteer-based organization, has exclusively endorsed Medipac Travel Insurance for more than 25 years. Medipac is the  Canadian Snowbird Association’s  preferred choice for travel insurance. Visit  www.snowbirds.org  to learn more about the advocacy work of the CSA; it supports travelling Canadians and snowbirds alike. We encourage you to become a member and to support their efforts. Membership in the CSA also includes access to benefits designed for the unique snowbird and travelling Canadian lifestyles.

How can I complete an application and purchase a Policy?

You can purchase your insurance online. The  Medipac  website has a complete copy of the policy for you to review prior to purchase, so there are no surprises. Purchasing online is the most efficient way to buy your insurance coverage. Once you have completed your application and paid your premium, your policy confirmation documents will be sent to your email immediately. It’s that simple! If for some reason you do not receive your confirmation immediately, try checking your junk (spam) folder instead of your inbox. If you still have not received it, call  1-800-633-4722  or  416-441-7070 . Our representatives are here to help.

You can also purchase coverage by completing a hard copy application and mailing it to our office, along with your premium payment. Be sure to complete the application in full; should you miss completing a part of your application it will need to be returned to you for completion and resubmitted prior to issuing a policy, which may further delay processing. Once all is complete, payment is received, and your application is processed, your policy confirmation will be forwarded to you by mail.

Irrespective of your purchase method, we recommend that you buy your policy early to ensure that coverage is in place before you travel. Remember, it is your responsibility to ensure that you have a valid policy prior to travelling.

When purchasing online, the system asks me for an electronic signature. What does this mean?

An electronic signature has the same significance as a written signature. Being asked to complete an electronic signature means that each individual applicant is signing off that they have completed the application personally and that they declare that their answers are true and complete. The electronic signature is located at the end of the application process. Applicants 1 & 2 (if applicable) must type in their full name (first and last) and date of birth. The name and date of birth must correspond to the name and date of birth you placed under applicant 1 & 2 at the beginning of the application process. Applicant 1 cannot sign for applicant 2 and vice versa. Be sure to double check your spelling.

What should I have ready when completing my application?

Having the following information ready for when you complete your application will make for an easier process:

• Your dates of travel or, if uncertain, tentative dates (remember you can always modify your travel dates when you know your departure date is confirmed, but a policy cannot be issued without travel dates).
• Your doctor and specialist’s name and phone number.
• The name and phone number of someone you wish to use as your emergency contact; this person should not be travelling with you.
• Discount authorization code, as found in your personalized letter (if you are unable to locate your code call customer service at the number provided below).
• Your credit card number
• If you have other insurance and want to top-up (combine) your coverage with Medipac, or you have a Medipac Annual Add-on and want to purchase more coverage, you should have the name of your plan, the insurance company and policy number available to enter on your application. For a more detailed understanding of how to combine coverages review the “ I have other insurance coverage ” question.
• Your travel address/destination.

Whether purchasing online or by mail, we encourage you to familiarize yourself with the policy and application in advance. If you find yourself with questions regarding your health, you should review the question and how you should respond with your doctor to ensure accurate completion of the application; if you have questions, call  1-800-633-4722  or  416-441-7070 . Our representatives are here to help.

Can someone other than me complete my application?

There may be penalties, limitations in coverage and even the possibility that your policy will be NULL and VOID if your application for insurance is not accurately completed. For these reasons, we recommend that you complete your application yourself, as you are ultimately responsible for ensuring that the answers to all medical questions on your application are true and complete. Where you are unsure of an answer to any of the medical questions on the application, we recommend that you review the question and the appropriateness of your response with your doctor. Further, as the application form becomes a part of the insurance contract, as the insured, you must sign your own application or risk voiding your policy. Persons appointed as your Power of Attorney (POA) may sign the application form; however, supporting documentation confirming their authority as POA is required. The POA should be familiar with your medical history and should review the policy prior to completing and signing the application, as the applicant and POA are interchangeable and responsible for completing the application correctly. Applications signed under a POA must be accompanied by a copy of the POA document, therefore all applications completed by a POA must be submitted by mail or email.

How do I receive my discount when applying online?

Existing clients can receive their discount by entering their discount authorization code during the application process. The code consists of one letter and 6 digits. Existing clients will have received their code either by mail and/or email. If you have misplaced your code, call  1-800-633-4722  or  416-441-7070 . Our representatives are here to help.

Clients new to Medipac may be able to receive a discount if they have not been hospitalized and have not made a travel medical insurance claim for the past three to five consecutive years. The discount is based on the number of consecutive years you were not hospitalized and were claim free.

If you are eligible for the new client claim-free discount, you must complete an affidavit declaring your eligibility. Contact our office to get a copy of the affidavit. Once completed, the affidavit document can returned to our office; the savings cannot be received online during the application process, however once the affidavit document is received by our office you will be refunded the applicable amount of savings.

What is the difference between Medipac’s categories: Preferred Plus, Preferred and Standard?

Preferred Plus, Preferred and Standard are the terms used to identify the three different rate categories under the Medipac Travel Insurance Plan. The rate category you qualify for is determined by the answers you provide to the medical questions on the Medipac Travel Insurance Application and is used in the calculation of your premium. The coverage and benefits provided are the same for all rate categories.

I have other insurance coverage. Can I combine it with Medipac?

Medipac has several options for clients who have other insurance coverage and are looking to increase their policy limit and/or lengthen their trip.

If you have an existing policy that provides for a limited number of travel days, you can have your Medipac policy begin on the day your other coverage expires. Simply select the Effective Date upon which you want your Medipac policy to begin and pay the premium for the extra number of days you need to complete your trip. This is called “topping up.”

Note:  We recommend that you only top up a policy that has coverage of at least $1,000,000. An example of such existing coverage is the retired teachers plan of Ontario. For all top-up plans, the eligibility, rate category and pre-existing requirements apply prior to your Medipac Effective Date of Insurance. Therefore, if you have a change in health after your date of travel and prior to your Medipac policy coming into effect, your coverage will be limited and/or possibly VOID and you may not have continued coverage under your other insurance plan.  For this reason, we recommend that you purchase insurance with Medipac for the entire duration of you trip.

Lifetime Maximum Coverage:

If you have other insurance coverage with a limited lifetime maximum limit, you may choose to use a portion of your benefits under the plan to pay your Medipac deductible and, by choosing a $5,000 or $10,000 deductible, you can substantially reduce your premium. You will be required to pay your deductible to Medipac upfront at the time of a claim. Therefore, it is important for you to understand what your other insurance covers.

Co-insurance:

If you have existing insurance that provides coverage for your whole trip, but includes a co-insurance feature that requires you to pay a percentage of any bill (typically 20%) Medipac may be able to provide you with premium savings through our co-insurance program.  Simply call and request a special Co-insurance Application Supplement. 

Federal Superannuates:

Most retired federal civil servants, military personnel and retired RCMP officers participate in the Public Service Health Care Plan, which provides out-of-country insurance coverage with a policy maximum of up to $1,000,000 CAD for 40 days.

For those who are travelling for more than 40 days, Medipac offers a Federal Superannuate premium credit to Public Service Health Care Plan members (Federal Superannuates) who purchase coverage from Medipac for the entire duration of their trip. This purchase option will increase the Federal Superannuate coverage limit from $1,000,000 CAD to $2,000,000 USD for the first 40 days.

We are aware that some Federal Superannuates choose to buy Medipac as a top-up and have Medipac’s coverage start on the 41 st  day of their trip. Under these circumstances, normal top-up rules apply. Medipac cautions that the $1,000,000 CAD policy limit for the first 40 days may not be enough, and therefore may not provide the protection necessary in the event of a major accident or illness.

By purchasing Medipac for the entire duration of your trip and applying the Federal Superannuate premium credit, you are covered from your date of departure to your date of return with Medipac’s maximum policy benefit of $2,000,000 USD. In addition, you will receive a 40-day annual plan (which begins on your effective date of insurance) at no extra cost.

I’ll be staying longer in destination than expected. How can I purchase an extension of coverage?

Extensions may be available for policies that are still in force, and have not yet expired.

To extend your policy, simply call our customer service centre at  1-800-633-4722  (or direct from outside the U.S. and Canada at  (416) 441-7070)  at least 5 days before your Medipac Travel Insurance Policy expires. All extensions must be applied for and, if approved, paid for by credit card in advance. No extensions will be granted if you had an event that resulted or may result in a claim under your Medipac Travel Insurance Policy. In addition, if you sought medical attention and you are not submitting a claim, your extension is not guaranteed. A declaration of good health must be made and a brief questionnaire answered before an extension can be issued, therefore extensions cannot be completed by email. Extensions are available in trip length units as published. A non-refundable $10 administration fee per person, per extension will apply.

Remember that the Annual Add-on is for trips of up to either 23 or 33 days only (depending on which option you chose). If you want to travel for longer than 23 or 33 days you must call in to purchase additional coverage.

I purchased an Annual Add-on. How long can I travel for?

The Annual Add-on provides coverage for multiple individual trips of up to either 23 or 33 days (depending on which option you chose). The coverage is available for one year from the date you chose your Annual Add-on to begin. For each trip under the Annual Add-on, you must return to Canada before the 23 or 33 days expire; this will restart the coverage and allow you to take another 23 or 33 day trip.

If any of the trips you are planning during your Annual Add-on coverage period will be longer than 23 or 33 days, simply call us to purchase additional days.

Do I need to notify Medipac every time I travel on my Annual Add-on?

No, you are not required to notify Medipac before you depart on any trip under the Annual Add-on. You are, however, required to provide proof of your departure dates in the event of a claim.

What happens if I can’t travel on my scheduled departure date and need to make a date change?

If you plan to travel before the date on which you were originally scheduled to leave, you  MUST  call Medipac to change your departure and effective dates to ensure you have a valid policy.  

If you leave later than scheduled, your original expiry date will remain the same. Your expiry date is not dependent on your departure date; meaning it will not  automatically shift  forward an equivalent number of days, should you depart later than expected. You  MUST  inform Medipac of all date changes.

With all Medipac policies, the first change to your Travel Insurance Policy is FREE; subsequent changes will incur a $20 non-refundable administration fee.

What if I have to cancel my policy and want to request a refund?

If you have to cancel your policy and request a refund, you may do so free of administration fees if your refund request is for medical reasons or a death in your immediate family. If you request a refund for any other reason, a $50 administration fee will apply. Your request for refund must be made prior to your effective date; otherwise only a partial refund will be issued. See “Refund Policy” on page 11 of the  Medipac Travel Insurance Policy  or page 37 of the  Medipac Travel Insurance Guide . You may also cancel your policy within 10 days of purchase with a full premium refund provided you have not departed on your trip and there is no claim in progress.

What is the maximum time I can travel outside of my home province?

To remain eligible for your Canadian provincial/territorial government health insurance, you cannot travel outside your province/territory of residence for a total of more than 7 months (212 days) within a year, or 6 months (183 days) if you live in Quebec, PEI or Nunavut. This includes travel within Canada. A year may be a calendar year or a 12-month period; check with your ministry of health for full details. Foreign countries have their own rules on how long they will permit a visitor to stay within their borders. In the U.S., Customs and Border Protection (CBP) officers have complete authority to limit your stay, for any reason, to a duration less than the 6-month maximum; they can also deny your entry altogether. In addition, CBP officers may use a simplified method of calculating your maximum 6 month stay (6×30=180), which could result in your being admitted for less than 183 days.

For more information, join the Canadian Snowbird Association. Included in membership dues ($25 per year or $325 for a lifetime membership) is a Travel Information Guide that answers many of these and other important questions related to travelling Canadians’ lifestyles.

I am not eligible for the Medipac Plan; how can I purchase Individual Underwritten Insurance?

Medipac has developed Individual Underwritten Insurance for those who do not qualify for coverage or find themselves excluded from coverage due to recent changes in their health, changes in their medications or hospitalizations within the past year. Completing a more detailed questionnaire enables our medical staff to thoroughly assess an individual’s health and determine if coverage can be offered, and if so, at what price.

Due to the more detailed nature of the application, and the need for each application to be reviewed by our medical underwriting team, we are unable to provide personalized quotations immediately over the phone. Underwritten applications can be requested via our Specialty Services Department at  1-877-888-5259  or  416-391-9016 . Once your fully completed application is received by the Specialty Services Department, you will be notified of your offer of acceptance or decline within 7 to 10 business days. Offers of acceptance expire after 60 days, so if you are going to accept the offer you must confirm in writing within that time frame.

Are your rates different for travel to countries other than the U.S.?

Medipac Travel Insurance rates do not vary based on your travel destination.

How much does my provincial health insurance plan pay?

Canadian provincial/territorial government health insurance plans vary and are limited in terms of out-of-country coverage. Provinces can pay as little as $75.00 CAD a day, whereas the average daily cost for a hospital stay can be more than $10,000 USD. Provincial coverage is inadequate and you should not rely solely on your provincial health care plan to cover costs of sickness or injury while traveling outside your province/territory of residence.

What if my health changes after I purchase my insurance?

If you have a change in health after you purchase your insurance and prior to your effective date of insurance, your coverage will be limited and may be void. As such it is important that you contact Medipac at 1-800-633-4722 to understand how your policy is affected, which will include a reassessment of your eligibility and rate category.

A change could be (but is not limited to) a diagnosis, symptom, or something more subtle that you might think could be postponed until you return from your trip, such as a recommended physician referral to a specialist, a test, and recommended investigations or evaluations.

Regardless of the change in your medical status it is important that you notify Medipac to understand how your policy is affected.

Are there things I am not covered for under my policy?

Insurance, by its very nature, has benefits, exclusions and limitations. Travel insurance is not different. You are encouraged to fully read your  policy ; in particular, the Pre-existing Conditions, General Exclusions and General Limitations sections.

Does the policy provide coverage for private transportation and/or personal expenses if I am stuck in another country and can’t get home on or near my scheduled return date?

The Medipac Policy is for emergency medical treatment only. It is not a Trip Cancellation/Interruption policy. Should your means of transportation to return to Canada be delayed, expenses related to your extended stay will not be a benefit of your policy.

Emergency Assistance

Does the medipac policy cover me if i need a covid-19 test.

If you are required to have a COVID-19 test for non-medical reasons, the test will not be covered by your Medipac policy. When a test is required as part of the treatment for a medical emergency, the cost of your test would be deemed a policy benefit.

Why am I required to call Medipac Assist prior to seeking medical treatment?

Medipac Assist will help you to navigate the claims process from start to finish. Failure to contact Medipac Assist prior to seeking medical treatment will limit all eligible covered expenses under your policy (75% to a maximum of $50,000 USD). You will be responsible for any remaining charges. When you call Medipac Assist they will direct you to the appropriate medical facility and will work with the treating facility to ensure that only medically necessary procedures are performed, ensuring that you do not have to pay for expenses that have not been approved in advance and are not a policy benefit. Medipac Assist will also let you know if there are any limits or restrictions in your policy, helping you to make an informed decision about your treatment.

Where possible, Medipac Assist will arrange for direct billing with the facility; there will be times when you may be required to pay a facility directly and be reimbursed (subject to policy terms and conditions).

Irrespective of the severity of your medical condition, whether you are planning to make a claim or not, you are required to contact Medipac Assist prior to seeking medical treatment.

What happens if I am not able to call in advance?

Obtaining care while having a life-threatening condition such as a severe accident, heart attack or stroke must be your priority. If your medical condition prevents you from calling before seeking treatment, you must call as soon as medically and reasonably possible. You can also have someone else call on your behalf (a friend, hospital staff or family member). It is important that you carry your insurance information with you at all times and arrange to have someone who understands what is required from your policy in the event of a medical emergency. If you have instructed the hospital staff to call, you or someone you know should confirm that your insurer was indeed informed.

What happens after I arrive at the treating facility?

Medipac Assist will send a verification of benefits letter to the provider letting them know you have an insurance policy that provides coverage for emergency medical treatment subject to the policy terms and conditions. You may be required to sign a Medical Release Form by the treating facility; this provides authorization for the insurer to obtain medical notes from the treating facility. Receiving the release forms and medical notes early in the claims process may help to speed up bill processing times.

What can I expect if I have to return to Canada for further treatment?

If it is determined that you should return to your province or territory of residence to continue treatment, Medipac Assist will arrange for your transportation and continued care. It is important that you have your passport documents in an easily accessible location and that you have arranged for someone to assist with this step should you be unable to do so. In some situations it may be some time before you can return to your out-of-country destination, so thought should be given as to where you will stay upon your return to Canada, and who could help you pack any belongings and close up your out-of-country place of residence, if required.

Does calling Medipac Assist and making a claim affect my coverage?

If you have a medical claim while travelling which has been deemed eligible under the terms and conditions of your policy, you will have coverage for that claim. Medipac also covers you for a recurrence of the same condition unless Medipac Assist has offered to return you to Canada. 

You may be required to return to your province or territory of residence for medical reasons before the completion of your trip. If this is the situation and you choose not to return to your province or territory of residence, you will not have further coverage for anything directly or indirectly related to that condition. Your policy may even be void as of the date and time you refuse the request to return.

If you are not required to return, your policy remains in effect for the remainder of your trip.

If I need care, will my travel policy pay my medical costs up front?

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible. However, in some cases you may be required to pay up-front for medical treatment, then seek reimbursement for those expenses. Always make sure you get itemized receipts for any medical treatment and/or medication, along with detailed medical records outlining your diagnosis, treatment, tests and results.

What kind of things should I consider in case I have a medical emergency while traveling?

Nobody expects to experience a medical emergency while traveling; having travel insurance can help with any unexpected surprises. Here are a few things you may want to plan for in the event that you have a medical emergency.

Emergency Support Person

It is important to establish who will make your decisions when you are unable or require assistance to do so. Even though you may not be incapacitated, it is difficult to make decisions and plans from within a hospital setting. Your decision maker should have access to funds to provide payment of any expenses that may not be a policy benefit (i.e. inpatient rehab), as well as your deductible (if applicable). Your decision maker should also be able to receive and convey information to other members of your support system. If you are incapacitated, it is important that your Power of Attorney (POA) has easy access to your POA document.

Travelling with Pets

Create a plan that outlines what will happen to your pet(s) if you are hospitalized while travelling. Give consideration as to how your pet(s) will return to Canada in the event you are unable to return home by the same way you travelled to your destination

Access to your medical records

Access to your medical records is not only necessary to complete the claim process, it is often required for medical management should you have a claim while traveling. Speak with your doctor before traveling to let them know that they may need to discuss your medical history with your insurer, should you have a medical emergency. Plan ahead. If your doctor has retired, request that a copy of your records be transferred to your new doctor or, if you don’t yet have a new doctor, ensure you have a copy of your own medical records.

Returning to Canada

Many individuals have their winter residence outside Canada. It is important to plan where you and/or your loved one will stay if you need to return to Canada for continued treatment in case of a medical emergency.

How do I make a claim under my policy?

When you call Medipac Assist prior to seeking medical attention, part of their role is to facilitate the claims process. Medipac Assist can mail you a Claim Kit or you can  download the forms  that you need. Either way you will be provided with everything necessary to submit your claim. All documentation should be returned to our office as soon as possible to ensure prompt processing of your claim.

When can I expect a claim under my policy to be settled?

Before a claim can be settled, certain requirements need to be fulfilled. This includes, but is not limited to, the receipt of your fully completed, signed and witnessed claim form and any provincial forms; payment of your deductible (if applicable); and proof of departure if claiming under the Annual Add-on. In addition, Medipac Assist will need to obtain medical records and official billing from medical and other providers. Upon receipt of all required documentation, we will begin processing your claim.

Who can witness my claim form?

A witness can be anyone who sees you sign the claim form; this can include a family member, friend or neighbour.

How do I make a claim on behalf of the estate of a deceased insured?

To make a claim on behalf of a deceased insured, you must complete Claim Form B (for incapable or deceased insureds) and provide a notarized copy of their Last Will and Testament along with a notarized copy of the death certificate. In the absence of a Will, provide a Certificate of Appointment of Estate Trustee. All other steps to submitting a claim are the same; any correspondence (including payments) will be sent directly to the estate.

What is the currency of my deductible? Do I have to pay it more than once, if I have more than one claim?

The deductible is in USD no matter where you travel. The deductible applies only once during a single trip policy term. If you have purchased an Annual Add-on, the deductible applies per trip.

When do I have to pay my deductible?

Payment of the policy deductible is required at the time of claim. Therefore, if you selected a deductible when you purchased coverage, you must be prepared to pay your deductible to Medipac at the time you incur a claim.

If you have made payments directly to one or more healthcare providers, Medipac may be able to apply any amounts paid toward your deductible. Be sure to review the back of your insurance card and ask your health care providers for the specific types of invoices that Medipac requires for reimbursement. If the right invoice is not submitted, the invoice cannot be applied to your deductible and you will need to make an additional payment.

Why are original invoices required?

Bills must meet certain criteria in order to prevent fraud and for submission to Government Health Insurance Plans. Most provinces and territories will only accept an original invoice in order to provide reimbursement. Usually this means an invoice that includes procedure codes, diagnostic codes, the tax ID of the medical provider, etc.

If payment has not yet been made, Medipac will attempt to obtain an original invoice directly from the service provider. If we are not able to obtain the information, the invoice will not be processed.

If you have paid the service provider directly, you will be required to obtain the proper invoice. If you submit a non-original invoice, you will be notified and no reimbursement will be made. If you receive a proper invoice within one year from the date of service, submit the invoice to Medipac Assist for processing.

Do I have to complete “Other Insurance Information” section of the claim form?

If you have other insurance with out-of-country benefits (in addition to your Medipac plan), you must complete the Other Insurance Information section of the claim form. Where two or more insurance plans exist, each plan will contribute to the claim subject to their overall limits and based on their terms and conditions.

An exception to this rule applies to group retiree plans. Where there is a group retiree health plan with a lifetime maximum limit of $100,000 or less, there will be no coordination of benefits. However, where your limit exceeds $100,000, coordination of benefits will take place in excess of the $100,000 lifetime limit. If you do not want to coordinate your lifetime benefits, Medipac may be able to help. Call Specialty Services at 1-877-888-5259 for more information. Be sure you know your retiree plan limits and how your insurance provider coordinates coverage.

What if my claim is denied?

Although the majority of our travel insurance claims are paid, in the event that your claim is denied, you can  appeal the decision .

To avoid having your claim denied, review your policy thoroughly, in particular the pre-existing condition clauses, general exclusions and limitations sections of the policy. In addition, if you are unsure of how to answer any medical question on the application, review the question and your medical conditions with your doctor.

It is important to remember that any change to your health, including any recommended tests, follow-ups or referrals, can affect your coverage. Therefore, should you have a change in health between your date of purchase and your effective date of insurance, you should call Medipac for an understanding of how your policy is affected, including having a reassessment of your eligibility and rate category.

Why does Medipac recommend MedipacMAX?

Health care costs in the United States and elsewhere continue to increase. With the emergence of COVID-19, medical expenses have become a concern of insureds and insurance companies, alike. MedipacMAX is a must-have endorsement that provides maximum coverage available under the Medipac policy – $5,000,000 USD – which includes coverage for COVID-19. MedipacMAX costs only $147 and includes 8 additional and important benefits which are not available in the standalone policy. We recommend that you add MedipacMAX to your policy.

How does the Claim-Free Discount Protection apply?

If you have one (1) payable medical claim which exceeds your deductible, MedipacMAX protects your ‘Claim Free’ status and applicable discount for the following year’s purchase of  Medipac Travel Insurance . Should you have a second payable claim on the same policy which exceeds your deductible, then you would not be entitled to a Claim-Free Discount for purchases made the following year. You will, however, retain your Loyalty Credit.

When is the Return to Canada benefit applicable?

The Return to Canada benefit is applicable when a member of your immediate family dies while you are on your trip and you wish to return to Canada. This benefit will not apply for any trip you make to visit a family member who is not yet deceased. In addition, the Return to Canada benefit applies in the event that your primary residence in Canada becomes uninhabitable due to a natural disaster while you are on your trip. Refer to the endorsement you received with your Medipac Travel Insurance policy or to the  Medipac Travel Insurance Guide  for further details.

How do I make a Return to Canada claim?

The following documentation must be provided to Medipac:

• Claim Form (section A and E only);
• Return to Canada Benefit affidavit ;
• original or notarized copy of the death certificate;
• boarding pass/flight information and receipt for your travel back to Canada; and
• boarding pass/flight information and receipt for your travel back to your destination.

Do I have to pay a deductible for a Return to Canada (RTC) claim?

If you have a deductible on your policy, it does not apply to this benefit.

Who are considered to be Immediate family members?

This information is outlined in the endorsement you received with your Medipac Travel Insurance policy , as well as in the  Medipac Travel Insurance Guide . To clarify, immediate family is defined as spouse, mother, father, son, daughter, mother-in-law, father-in-law, son-in-law, daughter-in-law, granddaughter or grandson. Siblings are not included.

Medipac strives to provide customer experience that is both easy and professional. Our call center lines are staffed with dedicated customer service representatives who can help you better understand the Medipac Plan, help you to enrol in the plan and or make changes to your existing policy.

Remember: if you have a change in health prior to your Effective Date of Insurance – CALL US.

Call Centre Hours (EST)

Monday to Friday : 9:00 a.m. – 7:00 p.m. Saturday : 9:00 a.m. – 5:00 p.m..

Walk-in Centre Hours (EST)

Monday to Friday : 9:00 a.m. – 5:00 p.m. Saturday : 9:00 a.m. – 5:00 p.m.

For Emergency Medical Assistance Only - Available 24 hours:

*Please note that changes and extensions to existing policies cannot be accepted via e-mail.

Snowbird Advisor Insurance

COVID-19 Travel Insurance Coverage Options - UPDATE LEARN MORE

The Travel Insurance Specialists for Snowbirds, Boomers and Seniors

See what our clients are saying about us:, get the right coverage at the right price.

At Snowbird Advisor Insurance, we specialize in providing Canadian snowbirds, boomers and seniors with travel insurance solutions designed to meet your unique needs.

Our experienced insurance agents are here to help you compare and combine coverage options to ensure you get the right coverage at the most cost effect price .

Learn about our cutting-edge Personalized Travel Medical Policies with no stability period requirement for snowbirds and seniors!

Brought to you by the team from Snowbird Advisor , your trusted snowbird resource.

Our Travel Insurance Plans

We offer a wide variety of travel insurance coverage options to meet the needs of every traveller, including single-trip, multi-trip, top-up and all-inclusive plans:

Get travel medical coverage based on your unique health status with no stability period requirement

Get travel medical coverage for a single trip with a defined start and end date

Get travel medical coverage for multiple trips over a full year

Use a Top-Up plan if you need to add coverage days to your travel medical insurance plan

Get travel medical, trip cancellation and baggage protection insurance - all in one plan

Get protection for your non-refundable travel expenses if you need to cancel or come home early

Features & Benefits

We provide our clients with a unique combination of travel insurance plans, features and benefits that's hard to beat:

Our licensed travel insurance agents have extensive experience assisting snowbirds and seniors, allowing them to help you find the right coverage at the right price to meet your unique needs.

Snowbird Advisor members receive an exclusive 5% discount on travel medical insurance plans, as well as other discounts.

We offer a variety of travel insurance plans to meet the needs of every snowbird, boomer and senior traveller.

Our cutting edge Personalized Travel Medical plans can provide a number of advantages over standard plans, including cost savings and more extensive coverage.

Get medical attention and prescriptions delivered right to your house, condo or hotel.

Our free mobile app provides easy access to emergency contact numbers, local medical service providers and more.

All of our partners are members of the Travel Health Insurance Association of Canada (THIA) and adhere to THIA’s Bill of Rights.

Our streamlined claim process and online claim submission platform makes it fast and easy to submit a claim.

We take pride in helping you make smart travel insurance choices and avoid pitfalls, regardless of who you choose to provide your policy.

We only work with trusted, reputable insurance industry partners with proven track records.

Speak to one of our experienced agents by phone or get a quote online, whichever you prefer.

We offer phone support in both English and French, allowing us to assist travellers from across Canada.

Travel Insurance:

Manulife coverage is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company , a wholly-owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.* Manulife and the Block design are trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates under license. 

Blue Cross coverage is underwritten by Canassurance Hospital Service Association and/or Canassurance Insurance Company .*

* Certain terms, conditions, limitations, and exclusions apply, see policies for details. Some products may not be available in all provinces.

Home & Auto Insurance:

Home and Auto insurance is arranged by Canadian Insurance Alliance (2018) Inc. o/a HUB SmartCoverage (all rights reserved) and is underwritten by a number of Canadian insurers.

For more than 20 years, HUB SmartCoverage has worked with some of the largest insurance companies in Canada, servicing the home and auto insurance needs of Canadians in Alberta, Ontario and the Atlantic provinces, as well as providing residents of British Columbia with home insurance solutions.

The Comprehensive Guide for Canadian Snowbirds

The ultimate guide for canadian snowbirds.

This Page's Content Was Last Updated: March 13, 2024

For many Canadian retirees, the allure of the snowbird lifestyle — temporarily migrating to warmer climates during the winter months — is as irresistible as the call of the loon. The idea of trading in cold, snowy weather for sun-soaked beaches and pleasant temperatures is not only a wishful notion but an actual reality for thousands of snowbirds each winter. However, making this seasonal migration successful requires thoughtful planning and a comprehensive understanding of the lifestyle's many facets.

If you're considering a stint as a Canadian snowbird, this guide covers everything you need to know to turn your seasonal escape into the adventure of a lifetime, including the benefits, challenges, and practical considerations involved in living as a snowbird in the USA and Mexico.

• Check your destination’s visa requirements to know how long you can legally stay in the country, and what you will need to do to satisfy entry requirements.
• It’s a good idea to purchase travel insurance to cover medical emergencies, as your provincial health insurance may have limited coverage outside Canada.
• Prepaid plans provide a cheap way for snowbirds to stay connected without committing to a lengthy mobile contract, while eSIMs can be affordable for those who just need data.
• If you’re looking to purchase property abroad, look for programs such as cross-border mortgages in the U.S., as it can make it easier to qualify for a mortgage.

• Use your Canadian credit history
• No pre-payment penalty
• Save up to $4,500 USD on closing costs on U.S. mortgages **

Legal and Practical Considerations

Visa and entry requirements.

Understanding the visa procedures and duration you can stay is important for any snowbird. For shorter stays, you may be able to visit without applying for a visa; however, if you plan to stay longer, a visa or extension application could be necessary. Below are the visa requirements for some popular snowbird destinations for Canadian citizens . If you are not a Canadian citizen, visa requirements may vary depending on the passport that you hold.

United States

Most Canadian citizens can enter the United States visa-free and stay for up to six months, or 182 days, at a time. This means that you can reset your stay by returning to Canada, which then allows you another six-month period in the United States without requiring a visa.

If you need to extend your stay beyond six months at a time, you will need to request an extension of stay with the US Citizenship and Immigration Services (USCIS) by filling out an Application to Extend/Change Nonimmigrant Status ( Form I-539 ). USCIS recommends that you make your extension application at least 45 days before the end of your original authorized stay.

Canadian citizens do not need a visa to travel to Mexico and can stay visa-free for up to six months (180 days). However, you will be required to complete a Mexican tourist card, Forma Migratoria Múltiple (FMM). This is your proof of entry into Mexico, and you will need to have it to leave Mexico at the end of your stay.

You will get your tourist card at the port of entry. You may also obtain it online if you’re arriving by air with the Electronic Multiple Migratory Form for Air Travel ( FMME Aérea ). It will need to be printed out in advance so that it can be stamped at your arrival airport.

• Obtain a tourist card or digital tourist card, unless staying for less than 72 hours in the northern border zone

Europe (Schengen Area Countries)

Canadians can visit Schengen area countries in Europe without a visa for up to 90 days in any 180 day period. This means that leaving will not reset the 90-day limit within any 180-day period. Starting in 2025, Canadians will also need to apply for an online ETIAS visa waiver. If you’re looking to stay for more than 90 days, you will need to get a visa.

Schengen area countries include Austria, Belgium, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland. You can travel visa-free between these countries for up to 90 days in any 180-day period.

Canadians can visit Costa Rica without a visa for up to 180 days at a time. You cannot request an extension of this 180-day limit.

• Have US$100 per month of stay
• Return or onward ticket to exit Costa Rica

Canadians can visit Panama without a visa for up to 180 days at a time. You must leave Panama for at least 30 days in order to stay in Panama for another 180 days. You will also need to change your residency status.

• Have US$500 in cash or credit card
• Obtain an entry stamp
• Return or onward ticket to exit Panama

Canadians are required to obtain a visa, or tourist card, that grants stays of up to 90 days at a time. You can extend the stay in Cuba for up to 6 months. Canadians who have booked a vacation package or flight will generally have a tourist card included, but you can also obtain your own tourist card from a Cuban government office in Canada or certain airports.

• Complete the Cuba D'Viajeros Travel Form within 48 hours of departure to Cubad
• Show proof of health insurance, such as a Canadian provincial health insurance card
• Return or onward ticket to exit Cuba

Healthcare Options

Healthcare is a top concern for any traveller, but it’s especially critical for retirees. Many snowbirds opt to purchase travel insurance with comprehensive medical coverage to assure peace of mind in case of emergencies.

Medipac Travel Insurance

Endorsed by the Canadian Snowbird Association, Medipac Travel Insurance offers extensive insurance coverage that even covers many stable pre-existing conditions, regardless of age.

Some benefits include coverage of up to $5 million USD, including COVID-19 coverage, accidental death insurance, relocation and return to Canada benefits. Single-trip coverage is available for trip lengths of 1 day up to 212 days, while you can buy an annual add-on for unlimited trips in a year of up to 23 days or 33 days each, perfect for frequent travellers.

Deductible options include a zero deductible, $99, $1,000, $5,000, and $10,000. Rates start from $215 for a 41-50 day trip with a $99 USD deductible for those under the age of 55.

Manulife offers a variety of single trip and multi-trip travel insurance plans. Its single-trip COVID-19 pandemic travel plan covers up to $5 million CAD in emergency medical costs unrelated to COVID-19 and up to $1 million for costs related to COVID-19. This coverage increases to $5 million if you have been immunized.

TD Insurance

The TD Insurance Single-Trip Medical Plan covers up to $5 million for medical costs such as physician and hospital bills, ambulance services, accidental dental coverage, and the cost of emergency return home. It doesn’t cover pre-existing conditions that are not stable.

RBC Insurance

RBC Insurance is unique in that its TravelCare Medical (Gold) plans offer unlimited coverage for emergency medical costs, compared to other insurers that may have a limit up to $5 million. However, multi-trip annual plans offered have a shorter duration of up to only 16 days at a time.

AIG Travel Guard

American International Group (AIG), one of the world's largest insurance organizations, offers comprehensive travel insurance plans for snowbirds. Their policies cover emergency medical expenses, trip cancellation/interruption, baggage loss/damage, and more. With AIG Travel Guard, you can choose between a single-trip plan or an annual multi-trip plan for those planning to take multiple trips in one year.

Travel Guard’s Gold Emergency Medical Plan covers emergency medical expenses up to $10 million.

Your provincial health insurance plan may provide some coverage outside Canada, but it may not cover all expenses. Moreover, depending on your destination, healthcare costs can be exorbitant and can exceed your provincial health insurance coverage cap or what would normally be covered in your province.

Medical care in some countries, such as the United States, can be expensive without insurance. In case of any medical emergency, travel insurance with comprehensive medical coverage can help alleviate financial burdens and ensure you receive the necessary care.

For example, OHIP will pay up to $400 CAD per day for emergency inpatient services in an operating room, ICU, coronary care, neonatal, or pediatric special care unit, or $200 CAD per day for lower levels of care. According to Debt.org, the average cost of a hospital stay in the United States is $2,883 per day. You will be on the hook to pay the difference between what your provincial health insurance covers and the cost of your medical services.

Types of Snowbird Travel Insurance

Comprehensive coverage.

The most all-inclusive option, comprehensive travel insurance typically covers emergency medical care, trip cancellation/interruption, and baggage loss/damage. It may also include coverage for pre-existing conditions.

Emergency Medical Coverage

You can opt for emergency medical coverage only. This type of insurance is typically cheaper but doesn't cover other potential travel expenses.

Trip Cancellation/Interruption Coverage

If you're concerned about cancelling or cutting short your trip due to unforeseen circumstances, such as a medical emergency or severe weather, trip cancellation/interruption coverage can provide financial protection.

Baggage Coverage

Lost or damaged baggage can be a major inconvenience and expense. Baggage coverage can reimburse you for the cost of replacing essential items or damaged belongings.

Pre-Existing Conditions

If you have a pre-existing medical condition, make sure to read the policy carefully to understand if it's covered and any restrictions or limitations that may apply. If your plan covers pre-existing conditions, it may have to be stable for a certain period of time before your trip.

Tips for Choosing the Right Snowbird Travel Insurance

• Compare policies from multiple providers to ensure you're getting the best coverage for your needs.
• Consider purchasing an annual policy if you plan to travel frequently throughout the year.
• Read reviews and ask for recommendations from other snowbirds who have experience with travel insurance.
• Be honest about any pre-existing conditions when applying for insurance to avoid potential issues with claims in the future.
• Understand the coverage limitations and exclusions of your policy, such as age restrictions or maximum coverage amounts.
• Double-check the policy's fine print to ensure it covers the specific activities and destinations you plan to visit.
• Keep a copy of your insurance information easily accessible while traveling in case of emergencies.

The top destination for Canadian snowbirds continues to be the United States, according to a survey commissioned by CIBC . That’s split between 34% of U.S.-destined snowbirds heading to the Southeastern states of Florida, Georgia, and South Carolina, while 14% heads to the Southwestern states of Arizona and Texas, and 10% to the Western states of California and Nevada. 7% head off to Hawaii.

Beyond the United States, a considerable portion heads to Mexico, Central America, and South America, at 24%. The Caribbean welcomes 14% of snowbirds, while Europe is a winter home for 14% of snowbirds.

SIM Cards and Phone Plans

Staying connected while abroad is essential for many snowbirds, whether it's to keep in touch with loved ones back home or for emergencies. Purchasing a SIM card and phone plan in your destination country can be an affordable option for staying connected rather than relying on expensive roaming charges.

Prepaid Plans in the U.S.

Just like Rogers, Bell, and Telus in Canada, there are three major mobile providers in the United States: AT&T, Verizon, and T-Mobile. These companies offer various plans for voice, data, and messaging services that cater to different needs and budgets. For snowbirds and occasional visitors to the U.S., purchasing a prepaid plan can be a more cost-effective option.

AT&T Prepaid

AT&T Prepaid offers several no-contract plans that include unlimited talk and text. Perhaps the best prepaid plan for snowbirds frequently travelling between Canada and the United States, AT&T’s unlimited data plan costs $40 per month with autopay, making it a competitive option for snowbirds who require constant access to the internet. The best feature of this plan is that it includes unlimited talk and text in Mexico and Canada too! Plus, it also gives unlimited data in Mexico and 25 GB of data in Canada per month. This means you can freely travel between Canada, the US, and Mexico, all on one mobile provider, without needing to change SIM cards or phone numbers!

T-Mobile Prepaid

T-Mobile offers a $15 per month international add-on, allowing you to make texts and calls in Canada and Mexico in addition to your unlimited talk, text, and data in the United States for $50 per month.

Verizon Prepaid

Verizon offers prepaid plans for snowbirds who frequently travel between Canada and the U.S., with unlimited talk and text available at an affordable price. The plan includes unlimited calls, text, and data from Canada, Mexico, Puerto Rico, and the US Virgin Islands. However, data is reduced to 3G speeds after using more than 2 GB per day, and you may be restricted from international service if more than 50% of your plan usage is outside the United States.

Best No-Contract Prepaid Plans in the U.S.

There are smaller mobile providers that use one or multiple major carrier networks. They offer affordable no-contract plans with varying data and talk options, making it an ideal choice for snowbirds on a budget. Some of them, such as Visible and Cricket Wireless, are owned by the major players, Verizon and AT&T. The no-contract prepaid plan prices below are in U.S. Dollars.

Tello Mobile

Boost Mobile

Mint Mobile

Cricket Wireless

Esim data plans.

In addition to traditional SIM cards, you can also purchase an eSIM data plan. An eSIM is a digital SIM card that does not require a physical card to be inserted into your phone. Instead, it can be purchased and downloaded digitally and activated on your device. This can be a convenient option for snowbirds who want to avoid the hassle of physically purchasing and inserting a new SIM card each time that they travel.

However, not all devices support eSIMs, so be sure to check that your phone supports eSIMs before purchasing an eSIM plan. eSIM plans are also generally data-only plans, and do not include talk and text. You can always use free apps, such as Google Voice , to make and receive calls and text messages using your mobile data or WiFi. The eSIM data plan prices below are in U.S. Dollars.

Cheap eSIM Data Plans for the U.S.

Cheap eSIM Data Plans for Mexico

Things to Know About Mobile Plans

Research before you travel.

Before you leave, research the different cell phone providers in your destination country and their available plans. If you have a locked phone, you won't be able to use a local SIM card outside of your phone’s carrier network, so consider unlocking your phone before you travel.

You can also purchase an unlocked phone before your trip, which will allow you to switch out SIM cards for different countries and carriers as needed.

Consider Your Usage

When choosing a plan, consider how much data and minutes you will need. If you plan to use your phone frequently, purchasing a larger data package may save you money in the long run.

Pay-As-You-Go Options

Many countries offer pay-as-you-go options for data and calling, allowing you to only pay for what you use. Depending on your usage, pay-as-you-go plans, or prepaid plans, can be more cost-effective than traditional monthly plans and don't usually require a contract.

Don't Forget About Roaming Charges

Even if you don’t plan on buying a local SIM card and intend to only use Wi-Fi, such as at your accommodation or public spaces, make sure to turn off your cellular data to avoid any unexpected roaming charges back home.

RBC doesn’t charge bank or lender fees on its cross-border U.S. mortgages 8 , such as foreign national premiums. This can save the average Canadian homebuyer up to $4,500 USD in closing costs 42

Mortgages and Accommodations

Renting vs. owning property.

One of the biggest expenses for snowbirds is accommodation. While most snowbirds choose to stay in a long-term rental, a short-term rental such as an Airbnb, or even just stay at a hotel or resort, others may opt to purchase a property for their extended stay in the U.S. Here are some factors to consider when deciding between renting and owning property as a snowbird:

• Cost: Renting a property is usually the more affordable option, as there are no long-term financial commitments or additional expenses such as U.S. property taxes and maintenance costs.
• Flexibility: Renting allows for more flexibility in terms of duration of stay, location, and type of accommodation. This can be beneficial for snowbirds who like to explore different cities or prefer to switch up their living arrangements.
• Ownership: Owning a property can provide a sense of stability and the ability to customize your living space. It also allows for potential rental income when you are not using the property.
• Seasonal Prices: Busy vacation periods in tourist hotspots can lead to higher costs for accommodations. By owning a property, snowbirds can avoid these peak season rates and have a comfortable place to call their own.
• Long-term expenses: While renting may be more affordable in the short term, owning a property requires long-term financial planning for expenses such as mortgage payments and home insurance.

Comparing the costs of renting vs. buying can help you make a more informed decision. When calculating, remember to consider that mortgage interest rates in different countries can be quite different than the rates you’re used to in Canada. Mortgage terms and amortizations can also be different.

Mortgages in the U.S.

Obtaining a mortgage as a non-U.S. citizen can be challenging, but not impossible. Here are some options for snowbirds considering purchasing property in the U.S :

• U.S. Banks: Some banks in the U.S. may offer mortgages to non-U.S. citizens, but they often require a larger down payment and may charge a foreign national premium, making these mortgages more expensive.
• Canadian Banks: Some Canadian banks also offer financing for purchasing property in the U.S., known as cross-border mortgages .

Get pre-approved for a U.S. mortgage 8 with RBC using your Canadian credit history and income, and start shopping for a home with your Pre-Approval Certificate that is good for 120 days. Plus, there are no bank or lender fees with RBC, saving the average borrower up to $4,500 USD in closing costs! 42

Utilities and More

If you plan on renting a property in the U.S. as a snowbird, it's important to understand how utilities are typically handled. Some rentals may include all utilities in the rent, while others may require you to set up and pay for your own. Short-term rentals, such as Airbnb, often include utilities in the overall cost. However, for longer-term rentals, you may need to set up your own accounts and pay for each utility separately. If you own a second home in the U.S., you will be responsible for all utilities. Some key things to keep in mind include:

• Electricity, water and sewer: These utilities may also be included in the rent or billed separately. Be aware that some states have higher water rates than others.
• Gas: If your property has gas appliances, you will likely need to pay for this utility separately as well.
• Internet and cable: These are often not included in the rent and will need to be set up and paid for separately.

It's important to budget for these additional expenses when planning for your snowbird lifestyle. Make sure to research and understand the average costs for utilities in your destination area. And don't forget to factor in any installation or set-up fees that may apply.

Internet and Cable Providers in the U.S.

When setting up your internet and cable services in the U.S., you may come across a variety of providers. Some common ones include:

• Xfinity (Comcast)
• Verizon Fios

It's important to research and compare these providers to find the best deal for your needs. Consider factors such as pricing, packages offered, and availability in your area. You may also want to consider bundling services for potential savings.

According to a survey commissioned by CIBC, only 7% of snowbirds own their own residence abroad. The majority of snowbirds rent, with a smaller portion staying at a hotel, resort, an R.V., or with friends.

Snowbirds were most likely to use a short-term rental, such as Airbnb and Vrbo, at 26% of snowbirds. 24% of snowbirds used a long-term rental, while 7% stayed with a friend, 6% stayed at a hotel/motel, 6% at a resort, 6% in a recreational vehicle (RV), and 2% in a timeshare. Only 7% owned a second property.

Cost of Living Comparison

Budgeting tips.

While the initial thought might be that living abroad is cheaper, this isn't always the case. Be sure to budget for all possible expenses, keeping in mind additional costs that may pop up when you least expect it.

Cost-Saving Strategies

There are numerous ways to make your snowbird adventure more affordable, from joining loyalty programs to taking advantage of seasonal discounts. Additionally, living like a local and shopping strategically can keep your costs down.

Most Canadian snowbirds, 71%, do banking abroad through their Canadian banks’ mobile or online banking platforms. A smaller portion, 29%, also visit their Canadian bank before their trip. An international bank is used by 14% of Canadian snowbirds. Having a cross-border bank account in the U.S. can make banking during a trip more convenient.

Benefits of the Snowbird Lifestyle

Financial advantages.

Escaping the cold isn’t just about fun in the sun; for many snowbirds, it's a shrewd financial move. From leveraging favorable exchange rates to renting out your Canadian residence and reducing seasonal costs on home maintenance and utility bills, the snowbird lifestyle can offer significant savings. By understanding and managing your finances wisely, you can make the most of your time abroad without breaking the bank.

Health Benefits

Environmental change can have a positive impact on your health, providing relief from the aches and pains often associated with cold and damp conditions. Plus, many snowbirds enjoy the side effect of increased physical activity through swimming, walking, or other outdoor pursuits — doing wonders for both body and mind.

Choosing the Right Destination

Factors to consider.

Picking the best snowbird destination is a personal choice, but there are several factors you should consider. Climate, cultural amenities, language, healthcare access, and cost of living are all crucial elements to research.

Popular Locations in the USA and Mexico

From the golfing paradises of Arizona to the beachfront bliss of Florida, the USA offers a diverse range of snowbird destinations. Meanwhile, Mexico's resorts, colonial towns, and beach cities cater to expats with a taste for adventure and luxury alike.

It’s a good idea to register with the Canadian government when travelling or living abroad, so that they can contact you and make you aware of any emergencies at your destination or at home. The Registration of Canadians Abroad is a free service offered by the government.

Crime Awareness

Crime rates can differ significantly from those at home, so it's important to educate yourself to avoid high-risk areas. Learn about local laws and customs and be cautious with your belongings when visiting another country.

Emergency Preparedness

Having a plan in place for emergencies is important. This includes knowing where the nearest embassy or consulate is, or their contact information, as well as having a basic understanding of the local healthcare system. Canadian consulates and embassies offer assistance to Canadians traveling abroad in case of things such as lost passports, if you have been arrested, or local emergencies.

Other Practical Considerations

Apart from visa requirements, mobile service and insurance options, there are many other practical considerations for snowbirds. These can include:

• Banking and financial arrangements: Set up online banking or consider opening a local bank account in your destination country. Online banking can help you pay bills and manage your finances even while abroad.
• Secure your home: Make sure to take necessary precautions to secure your home while you're away. This could include installing a security system, having someone check on the house periodically, and stopping mail and newspaper delivery.
• Winter-proof your home: Properly prepare your home for the winter , such as turning off your water, keeping the heat on at a low temperature, and unplugging electronics.
• Mail forwarding: If you will be away for an extended period, consider setting up a mail forwarding service with Canada Post or having someone check your mail regularly to avoid any issues with bills or important documents.
• Property management: If you own property, consider hiring a property management company to take care of it while you're away.
• Taxes: Consult with a tax professional to understand any potential tax implications of being a snowbird , such as foreign income and taxes on rental income.
• Vehicle insurance: If you plan on driving a vehicle in your destination country, make sure to research and understand the local insurance requirements. It may also be helpful to have an International Driving Permit (IDP).

Most snowbirds, 49%, withdraw foreign currency before their trip or use a no foreign transaction fee credit card . Foreign currency being withdrawn during their trip is something that 38% of snowbirds do, with regular credit, debit, and prepaid credit cards making up the bulk of remaining purchases.

Living the snowbird lifestyle can be immensely rewarding and can add a thrilling chapter to your retirement years. By weighing the benefits against the challenges and taking proactive steps to plan your extended stay, you can make the most of this unique life experience. Whether it's basking in the Florida sun or exploring the markets of Mexico, the snowbird lifestyle offers endless opportunities for growth, relaxation, and adventure. Take flight with confidence and enjoy the seasonal shift — the snowbird way.

Disclaimer:

• Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
• The calculators and content on this page are for general information only. WOWA does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
• Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
• Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.

Here’s what you need to know about snowbird travel insurance

When it comes to getting travel insurance coverage, what are some things older travellers should know, even if they’re as active and healthy as they were in their thirties, can travellers with pre-existing medical conditions still get coverage.

What are some ways to reduce cost for travellers over 60 and help Canadians save more money?

What other coverage should canadian travellers and snowbirds get before travelling this fall and winter, find your perfect travel insurance policy today.

• All pre-existing medical conditions must be stable within 7 days prior to departure. Certain exclusions, limitations and restrictions apply.
• Applies to CAA Members in good standing (CAA Membership dues paid in full by Membership expiry date). Up to twenty percent (20%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Subject to change without notice. Excludes Visitors to Canada Insurance. CAA Everyday, Classic®, and Plus® Members save 10%. CAA Premier® Members save 20% at CAA Stores or by calling 1-800-267-8713. CAA Premier Members save 10% and earn 10% in CAA Dollars® when booking online.
• Medical Multi-Trip Plans cover 4, 8, 15, 30, or 60 days per trip depending on the plan you purchased. Top-Up coverage is available for longer trips. Coverage cannot extend beyond 365 days from departure date or effective date. 
• Multi-Trip Annual Vacation Packages covers 4, 8, 15 or 30 days per trip depending on the plan purchased. Top-Up coverage is available for longer trips. Coverage cannot exceed 365 days from departure date or effective date. There is a maximum travel coverage of 63 days including Top-Up for travellers aged 60 to 84 years of age.

Snowbird Insurance

Enjoy worry-free time away.

For decades, Medi-Quote has been proudly providing Canadian snowbirds with customized travel insurance plans. We understand that finding the right coverage can be challenging when you are over 55 and spending a significant amount of time outside of the country. As snowbird travel insurance experts, we’re in your corner and we’re here to help.

We work differently.

Our experienced licensed insurance brokers care about finding you the right travel coverage. While other companies have a single insurance provider at their disposal, Medi-Quote has relationships with a majority of Canada’s leading insurers. This means we can develop unique plans that no other broker can offer. We are the expert so you don’t have to be. We’ll negotiate on your behalf to ensure you’re paying the best possible price for the right total coverage.

We’re there when you need us.

After learning about your specific travel plans and medical needs, we’ll shop for the best policies to fit you. We’ll explain your options to you in easy-to-understand terms, so you know exactly what you’re getting before you sign.

Our relationship with you doesn’t end once you purchase a plan. We’re always available to answer any questions you may have, and if you have to cancel or change your travel plans, we won’t impose a fee.

Snowbird Travel Insurance Coverage Options

Each situation is unique and requires specific benefits to ensure you’ll have the coverage you need, when and where you need it. We can build many components of insurance coverage into your customized plan. Learn more about us .

Coverage for COVID-19

We have a range of COVID-19 travel insurance plans that include benefits designed to assist you in the event that you contract COVID while travelling.

Coverage for Pre-Existing Medical Conditions

We make sure your pre-existing medical conditions are covered by getting you on the right plan and provider for your needs. We discuss your medical history and guide you through the application process.

Top-Ups & Extensions

Whether you’re topping up an annual plan or need to extend your insurance because you’ve decided to stay at your destination longer, we’re here to help with that.

7-Day Stability Buy-Down Options

If you’ve had a recent change in medication or treatment, it may mean your medical condition won’t be covered under some plans. We have plans that allow paying a fee to cover conditions with recent changes to stability.

Family Plans

When you’re taking the whole family for a vacation, we’ve got plans that make getting everyone covered under the same policy simple and affordable. Letting you focus on your trip with a little extra peace of mind.

Trip Cancellation Insurance

Trip cancellation and interruption insurance covers non-refundable costs due to travel delays and cancellations that can make travel worrisome and financially challenging. We can provide peace of mind during challenging times with coverage for unexpected events that prevent or interrupt your trip.

Call Us for a Snowbird Travel Insurance Quote

We’ll take the time to understand your specific needs and situation, and we’ll support you throughout the buying process and beyond.

We serve all of Alberta, British Columbia, Manitoba, Nova Scotia, Ontario and Saskatchewan as well as travellers to Canada through our offices in Calgary and Winnipeg. Call 1-800-661-3098

Our biggest reward is hearing that our attention to superior, friendly service makes a difference to our customers.

About medi-quote – by the numbers, number of insurance products we currently offer our clients, number of valued customers we have dealt with in the past 15 years, number of policies we issued in the past 10 years, number of quotes we provided to customers in 2023, we’re here to help.

Whether you’re ready to discuss your best insurance options or have questions about our services, we’re ready to serve you online or by phone. Learn more about us .

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A Quick Guide to Canadian Snowbird Travel Insurance

Tired of living in the cold? Wish you were someplace warmer? If you are unattached to Canada’s harsh winter season, it may be in your best interest to consider spending that time abroad. And while having a few yearly getaways is important for your well-being, it is equally as important to make sure those trips are well insured and protected. Insuring the snowbird lifestyle has never been easier, and this form of travel insurance is becoming more popular with seniors and northern vacationers alike. This article is a short and simple guide to help you understand Canadian snowbird insurance and make the right decision.

BEST SNOWBIRD TRAVEL INSURANCE PLANS IN CANADA

ONTARIO BLUE CROSS                                               

• Emergency medical care, health follow-up in Canada
• Trip cancellation/interruption protected, baggage protection
• $5,000,000 CAD in medical coverage per trip
• Hospital bills, professional medical worker fees, and emergency treatment dues are all covered
• Transportation expenses covered for visiting relatives (if hospitalized for over one week)
• $5000 CAD for driving service vehicle returns back to Canada
• $3000 CAD for meals and comfort if medical emergencies delay travel
• $2000 CAD for emergency dental operations
• Partnered with BlueCross/BlueShield (large U.S. healthcare network)

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MEDIPAC TRAVEL INSURANCE                                                

• All short trips covered within a year (23-33 days each)
• One trip covered within a year (1-212 days)
• $2,000,000 – $5,000,000 USD in total coverage per trip
• Claim free discount = up to 10% savings
• Loyalty discount = up to 8% savings
• Province-based discount = 5% savings (PEI, Nunavut, Northwest Territories, Yukon)
• Top-up option provided
• Official member of the Canadian Snowbird Association

WHAT YOU NEED TO KNOW ABOUT SNOWBIRD TRAVEL INSURANCE

What is snowbird travel insurance.

Snowbird travel insurance is a financial product for Canadian travelers that desire to move somewhere with pleasant weather during cold seasons. In most cases, it is purchasable as a bundle of policies that includes both medical and travelling expense coverage. Snowbird protection plans work to keep you financially secure during your stay abroad in the case of negative unforeseen events. Even the most basic snowbird travel insurance plans will help ease the burden of foreign medical bills, and relieve some of the stress related to travel accidents. Much like other versions of travel insurance, there is no “standard” snowbird package – your policies (and snowbird insurance premiums) will be tailored to your needs.

Why Do I Need Snowbird Travel Insurance?

If you get injured outside of your current healthcare jurisdiction, the costs for any medical procedures or pharmaceuticals won’t be automatically covered. Snowbird policies are especially important for Canadians who plan on travelling to warm parts of the U.S. during winter, since U.S. medical costs are notoriously high. Without any form of out-of-province health insurance, an unfortunate accident can easily set you back thousands of Canadian dollars in hospital bills. As a result, it is generally recommended to pick a snowbird plan that offers at least a few million dollars in total coverage – after all, insurance is all about being on the safe side.

What Are The Types of Snowbird Insurance Policies?

When travelling to a foreign destination, you can either sign a single-trip or multi-trip snowbird policy. A single-trip plan is a cheaper alternative to multi-trip offerings, but it only protects you for one annual fixed period (usually the total duration of your stay abroad). If you planned on making additional trips in the same year, a multi-trip plan may be necessary. Multi-trip plans will typically grant unlimited trip coverage for 365 days since the effective starting date of the policy, although they come with a limit on how many days you’re able to spend in one destination (generally no more than 30-60 days per location). To remedy this, some snowbird insurance providers offer “top ups,” which allow you to pay in advance for additional days on the end of your stay. You could even find snowbird travel insurance plans that allow you to buy top ups from your destination – although these are likely offered at a higher fee.

How Much Does Snowbird Travel Insurance Cost in Canada?

The cost of a snowbird travel insurance policy is reflected in its insurance premium. Theoretically, the higher your snowbird insurance premium is, the greater the amount of coverage you will have. Most importantly however, there is no “one size fits all” snowbird premium because every traveller is unique and has their own separate needs. As a result, it is important to search for snowbird travel insurance plans that best suit your travelling requirements, not necessarily whichever one has the lowest premium. Another important factor to consider about snowbird insurance policies is the deductible amount in a claims situation. Snowbird providers will seek a deductible amount that you pay out of pocket for any medical/travel related expenses before they pay for the remaining balance. Deductibles however can be agreed upon early for your advantage, since locking in a high deductible can significantly lower your insurance premium. On the other hand, if you suspect you could run out of short term funds on your trip abroad, the other option is to lock in a low or zero-deductible (although this would drive up the insurance premium as a result).

OUR THOUGHTS ON CANADIAN SNOWBIRD TRAVEL INSURANCE

Snowbird travel insurance is the ultimate travel insurance for senior cold weather escapees. It’s the ideal coverage plan for retirees that plan to leave the country for a generous period of time, since it puts an emphasis on medical security. If you don’t have any obligations to endure a cold Canadian winter, why stay? Take advantage of snowbird travel insurance and join the thousands of Canadian retirees who temporarily migrate south for a warmer climate.  The best part is, you could insure more than one trip per year under the same plan, if you plan on travelling frequently. Don’t leave your health expenses up to chance – make sure you stay covered whenever you depart the country.

Considering a home equity line of credit to add a much needed boost to your pension-based income? Read up on reverse mortgages instead on our article about Mortgages/Reverse Mortgages

Snowbird Travel Insurance Frequently Asked Questions (FAQ)

What affects my snowbird insurance premium.

The five main factors that determine your snowbird travel insurance premium are age, current health status, travel destination, duration of stay, and the agreed upon deductible. Statistically, the older you are the more likely you are to fall victim to health complications. Your current health (and any future projections made about it) is also a major price determinant; if you’re already dealing with significant health issues, your snowbird insurance provider will see that as an expense they will likely need to cover abroad. Your travel destination’s importance is weighted on the cost of healthcare in the foreign country. A country like the U.S. features very high healthcare costs relative to other nations, so naturally this would increase your premium. Your trip duration is important to consider as well since it also represents the amount of time your insurance provider needs to be able to support your claims. Naturally, a longer time period puts you at a higher risk of making a snowbird insurance claim, so premiums will rise. Lastly, a snowbird travel insurance deductible can serve to make your insurance premium more/less competitive. If you’re willing to accept a higher deductible on claims, you will be rewarded with a substantially lower insurance premium.

Am I eligible for snowbird travel insurance in Canada?

In order to become eligible for any snowbird insurance policies, you’ll have to meet a few requirements. While some snowbird insurance providers in Canada will ask for specific information, there are a few criteria that you can universally expect from any plan. Snowbird insurance providers will only offer you protection if you sign a deal before making a departure – so all coverage negotiations must be made on home soil. Furthermore, your coverage must cover the entire duration of your trip abroad, and you also need to be backed by provincial coverage in your home area. Occasionally, your insurance provider will be able to recover expenses from your provincial healthcare plan, so being insured in this way is a necessity. Last but not least, to achieve the best conditions possible for both yourself and your snowbird insurance provider, you need to avoid misrepresentation on any application forms – most importantly medical.

What are the medical requirements for snowbird travel insurance in Canada?

Since snowbird travel insurance plans are very popular with senior travelers, most providers will require you to fill out a comprehensive medical questionnaire. Typically the questionnaire will involve common health risk conditions that will ultimately factor into your insurance premium. Each question on the questionnaire will have a different weighting, although some universally important (and frequently spotted) questions involve: smoker/non-smoker status, vital organ conditions, existence of medically treated diseases, history of cancer within the family, and blood pressure levels.

How do I make a snowbird insurance claim?

In the vast majority of cases, your Canadian snowbird travel insurance provider will ask that you reach out to them first – prior to seeking out medical attention. This is because your provider likely has deals with certain medical centres in foreign areas that give them preferred rates. Unless you are experiencing a critical medical emergency, neglecting to contact your insurance provider first can result in claim denial. To begin the claiming process, your provider will directly mail you a “Claims Kit” that includes all of the forms necessary to start filing your situation. These forms usually request personal documents, identification, and paperwork/proof related to your incident so that payments can be expensed. In terms of who pays the medical bills, your insurance provider will likely coordinate with medical centres to pay off expensive health treatments for you, while smaller expenses may be reimbursed down the road.

What can I bring into the US from Canada?

United States import duties on specific items involve a set of very complicated rules. Due to their likelihood of being changed on a regular basis, it’s hard to find reliable information on the topic. Given this, the best places to check for import news on certain products are U.S. government official websites. As a rule of thumb, the one protocol that never changes in a border crossing is declaration of goods. If you plan to carry your luggage with you into the country, you need to fill out a CBP-CD (Customs and Border Protection – Customs Declaration) form that correctly identifies what you’re bringing in. If instead you expect to receive your luggage into the U.S. through mail, you’d fill out a CBP-DFEUA (Customs and Border Protection – Declaration for Free Entry of Unaccompanied Articles) form. While there are some minor restrictions on household items (electronics, clothing, furniture, decorations, toys, etc.) in most cases those kinds of products are allowed – as long as you have no intent to sell.

Medication is a more complex category, as it follows a more strict set of rules; the best advice we can offer on this topic is to pack no more than a 90-day supply of prescription, accurately labelled, and doctor note-signed pharmaceuticals in your hand luggage. If you plan on staying in the country for longer than 3 months and need a prescription fill up, you could get a medical package delivered by mail as long as it’s properly declared and accepted at the border.

Alcohol, tobacco, and cash are transferable across the border under a certain limit. If you exceed their respective limits, you’ll be liable to pay duties on every surplus unit. Each 21 year old adult is limited to a litre of alcohol of any kind, 100 cigars, 200 cigarettes, and up to $10,000 in cash (any cash amount higher than this MUST be declared).

For more restricted categories, do note that illegal narcotics and recreational drugs are not allowed past the border under any circumstance, such as marijuana, absinthe, and non-prescription painkillers. Food is also a highly restricted category, and we advise you not to bring in your own food under most circumstances to avoid border issues. Keep in mind that food is a commodity, and you can easily find grocery stores once you cross into the United States.

How do I import a car from Canada to the US?

If this is something you’re seriously considering, know that the process is neither simple nor cheap. Before you begin the process of registering your Canadian vehicle under the United States rulings, make sure you acquire written approval at the border first – where you must declare your intention to convert the car. Since Canada is a part of NAFTA, you’d most likely be exempted from paying a duty on the importing of one car.

To proceed from this point on, you will need to ensure that your automobile is compliant with US safety and emissions regulatory standards. Since you’re importing from Canada, your car should already be manufactured for road safety – check for a FMVSS or CMVSS sticker somewhere on the vehicle, which signifies that the car is safe to drive. If by unlikely chance your car is not certified by FMVSS/CMVSS, importing it may not be worth the effort. Additionally, your vehicle must also have a solid emission control system. Emission control system standards are practically identical between Canada and the US, so as long as you can prove it with an EPA (Environmental Protection Agency) or similar label, you should have no issues meeting the US emission requirements.

Depending on which state you choose to reside in during your snowbird period, you may need to acquire a US driver’s licence if they don’t carry over your Canadian one. Since you’re already a registered driver in Canada, the application process should be fairly easy, assuming you’re equipped with multiple pieces of personal ID and are willing to pay any associated bills plus renewal fees. You’ll also need to sign up for US car insurance, since you’ll be driving outside your Canadian car insurance company’s zone of influence. Tip: You might snag a better deal on car insurance if you explain your snowbird situation to your insurer (you’d only be driving the car for a few months during the year).

Once all the relevant paperwork has been signed, you finally qualify for the official inspection in order to become US registered. If your car passes the test, you’re eligible to receive a pair of US licence plates. Of course, if you’re looking to avoid all of this hassle, you could always just buy another car that’s already registered under the United States.

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How Much Does Travel Insurance Cost for Canadian Snowbirds?

With so many different policies, brokers and options available, it’s almost impossible to know if your medical travel insurance premiums are reasonable or if you could be saving elsewhere. 

So, we rolled up our sleeves and did some digging to help Canadian snowbirds get a better handle on travel insurance premium prices.

To accomplish this, we:

• Created a guide of all major factors used determine how much individuals pay in snowbird travel insurance premiums.
• Received quotes from 12 travel insurance providers using various ages, medical conditions, trip lengths and policy types that are common among Canadian snowbirds and summarized our findings in the chart below.

While the premium ranges in our findings don’t cover every possible scenario, they do offer valuable insight into insurance premium pricing ranges that can help when you compare travel insurance quotes for snowbirds.

Which factors determine the cost of your snowbird travel insurance?

The main factors that affect how much your snowbird travel insurance premiums will be are:

• Age – Not surprisingly, snowbird travel medical insurance premiums increase as you get older. What you may not know is that most insurance providers offer the same pricing as long as you fall within a certain “age range”.  Common age ranges are from 61 to 65, 66 to 70, 71 to 75, 76 to 80 and 81 to 85. Under this scenario, premiums would be the same for a 61 and 65 year old, only increasing at age 66 when you move into the next age bracket (some provider’s, however, will increase your rates every year). The most drastic price increases usually occur at ages 71, 76, 81 and 86.
• Trip Duration – The longer the period of time you spend outside Canada, the more expensive your premiums will be. For example, the cost of a 120 day single-trip policy would be more than double the cost of a 60 day single trip policy, as risk of a claim increases exponentially the longer you are out of the country. If you plan on returning to Canada one or more times during your winter getaway, you may want to consider a multi-trip insurance policy, which can be significantly less expensive.
• Pre-Existing Medical Conditions – Any pre-existing medical condition could increase your travel insurance premiums significantly, anywhere from 50% - 1,000% or more! Very minor pre-existing conditions generally won’t affect your premiums, but must still meet your policy’s stability requirements in order to be covered during your trip.
• Smoker Status – Smokers can expect to pay 15% - 30% more for snowbird travel insurance than non-smokers. Some policies considering you to be a smoker for up to 5 years after you quit, while others are more lenient and only consider you to be a smoker for 2 or 3 years after you quit. If this applies to you, look for a policy that offers more leniency for ex-smokers.

Additional factors that affect your snowbird travel insurance premiums include:

• Deductible Amount – Generally, the higher your deductible is, the lower your premiums will be. However, be sure to exercise caution when increasing your deductible, as a small savings on your premiums can mean a big out of pocket expense if you ever need to make a claim. Keep in mind that some policies have deductibles in $USD, which can effect how much you will have to pay out of pocket when the Canadian dollar is weak.
• Policy Type – The type of policy you purchase, specifically a single trip policy vs. multi-trip policy, will affect how much your premiums are. Which option ends up being less expensive will depend on your travel plans and trip duration, and we suggest comparing quotes for both options.
• Policy Features – Some policies offer unique features such as reduced stability periods for pre-existing medical conditions that are not stable during the standard stability period and supplemental riders for additional benefits. You will likely pay a higher premium for these features, so only choose a policy that offers them if you feel you absolutely need them.

Prices for Snowbird Travel Insurance Premiums

The following chart compares snowbird travel medical insurance premium ranges from 12 travel insurance providers using a variety of scenarios for age, health, trip length and policy type. Your rates may vary depending on your specific medical conditions, situation and needs.

Important Note: The rates below are based on specific medical conditions, ages and policy durations and are subject to change without prior notice. Some policy exclusions and limitations may apply. Rate estimates were provided by Securiglobe in March, 2016.

55 Year Old Individual (Non-Smoker)

65 year old individual (non-smoker), 75 year old individual (non-smoker), the bottom line.

When it comes to choosing snowbird travel insurance, your primary focus should be on finding a policy that that will cover you based on your unique travel plans, medical conditions and lifestyle.

You should only shift your focus to finding the best pricing after you identify policy options that meet all of the above needs.

Remember, although it’s tempting to buy travel insurance based solely on price, you could end up with a financial disaster on your hands if you need to make a claim only to find out that your low cost travel insurance won’t cover you.

Disclaimer:  The material provided on the SnowbirdAdvisor.ca website is for informational purposes only and does NOT constitute legal, tax, accounting, financial, real estate, medical or other advice, and should not be relied on as such. If you require such advice, you should retain a qualified professional to advise you.

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COVID-19: travel health notice for all travellers

Cuba travel advice

Latest updates: Health –Travel health notice for dengue added.

Last updated: August 26, 2024 11:39 ET

On this page

Safety and security, entry and exit requirements, laws and culture, natural disasters and climate, cuba - exercise a high degree of caution.

Exercise a high degree of caution in Cuba due to shortages of basic necessities including food, medicine and fuel.

Resort areas - Take normal security precautions

• Cayo Largo del Sur
• Cayo Santa Maria
• Guardalavaca

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Petty crime

Petty crime, such as pickpocketing and purse snatching, occurs.

Theft generally occurs in crowded places such as:

• tourist areas
• public buses
• night clubs

It can also occur in isolated areas.

Theft from hotel rooms, particularly in private accommodations ( casas particulares ), and from cars is common.

• Ensure that your personal belongings, including your passport and other travel documents, are secure at all times
• Don’t pack valuables in your checked luggage
• Avoid showing signs of affluence
• Keep electronic devices out of sight
• Carry valid identification at all times
• Keep a digital and a hard copy of your ID and travel documents
• Avoid carrying large amounts of cash
• Never leave belongings unattended in a vehicle, even in the trunk

Violent crime

Incidents of violent crime are not frequent, but assaults may occur. They mainly occur during a burglary or robbery.

• Stay in accommodations with good security
• Keep your windows and doors locked at all times
• If threatened by robbers, don't resist

Credit card and ATM fraud may occur.

Be cautious when using debit or credit cards:

• pay careful attention when your cards are being handled by others
• use ATMs located in well-lit public areas or inside a bank or business
• avoid using card readers with an irregular or unusual feature
• cover the keypad with one hand when entering your PIN
• check for any unauthorized transactions on your account statements

Some businesses may try to charge exorbitant prices, namely taxis and classic car rentals. Disputes about overcharging may lead to violence.

• Always confirm prices before consuming or taking up a service
• Avoid running a tab
• Avoid leaving your credit card with bar or restaurant staff
• Check your bill to make sure it’s exact

Some hustlers specialize in defrauding tourists. Most of them speak some English or French and go out of their way to appear friendly. They may offer to serve as tour guides or to facilitate the purchase of cigars. Some have used violence in their efforts to steal tourists.

Fraudulent tour agents and taxi drivers also operate throughout the country, including at Havana’s international airport. Thefts of luggage from taxi trunks have occurred.

In bars, sex workers, including minors, may be very persistent and intrusive with tourists who refuse their advances. Foreigners, including Canadians, have been the victim of theft after engaging in sexual relations, and some of them have faced child sex accusations.  

• Use reputable tour operators and registered taxis only
• Avoid independent street vendors
• Be wary of strangers who seem too friendly

Overseas fraud

Cuba faces chronic and severe shortages of ‎basic necessities, including:

• bottled water
• public water supply
• hard-currency

Fuel shortages are currently critical and affect a wide range of services. Travelling across the island is extremely challenging. Public transportation services, including taxis, are often disrupted, leaving tourists with few options to travel. Some travellers have been temporarily stranded with a rental car. Intermittent shortages of tap water provided by municipalities happen, including in Havana and in resorts.

Hotels and resorts, that often use generators during power outages, may not be able to maintain their services. Fuel shortages may also affect government services.

Local authorities enforce the rationing of food and medications, which could also affect travellers.

Shortages may lead to disruptions to other essential services. There are often long line-ups at gas stations that have led to altercations.

• Plan accordingly
• Bring some basic necessities with you such as toiletries and medication
• Keep a supply of water, food and fuel on hand
• Make sure you always have access to a complete emergency kit

Power outages

Power outages occur regularly outside of Havana and touristic areas.

Obtaining services during an outage is challenging.

Women’s safety

Women travelling alone may be subject to some forms of sexual harassment

Incidents of sexual assault against Canadian women have occurred, including at beach resorts.

If you’re the victim of a sexual assault, you should report it immediately to the nearest Canadian consulate or embassy and seek medical assistance. You should also report the incident to Cuban authorities and ensure that local police provide you with a Comprobante de Denuncia. This document confirms that a report has been filed.

A criminal investigation will likely not be possible if no formal complaint is made to Cuban authorities before you depart the country.

Police officers may speak only Spanish.

Advice for women travellers

Spiked food and drinks

Snacks, beverages, gum and cigarettes may contain drugs that could put you at risk of sexual assault and robbery.

• Be wary of accepting these items from new acquaintances
• Never leave food or drinks unattended or in the care of strangers

Telecommunications

The telecommunications network in Cuba is poor. Connections are unreliable and may be intermittent.

Some Canadian cell phones may not work, even in large cities. Internet access is limited across the island.

Local authorities control telecommunications. They may block access to mobile phone and Internet in case of civil unrest or before demonstrations.

• Don’t rely on your mobile phone for emergencies, especially outside major cities
• Subscribe to and install a VPN service before leaving Canada
• Avoid travelling alone
• Inform a family member or friend of your itinerary

Online transactions

Online banking or shopping may be challenging in Cuba, if at all possible. Most Cuban websites are unsecure. Many are inaccessible.

Some travellers, who bought their travel package online on a travel website in Canada, found out on arrival in Cuba that their hotel received no reservation or payment.

• Avoid online shopping
• Check with the hotel if they accept online reservations and payments if you plan to book online

Demonstrations

Demonstrations sometimes occur, even if taking part in them may be illegal. Local authorities will break up political demonstrations or gatherings not sanctioned by the government. They may also block access to the Internet, including social media, without notice.

Even peaceful demonstrations can turn violent at any time. They can also lead to disruptions to traffic, public transportation.

• Don’t participate in demonstrations
• Avoid areas where demonstrations and large gatherings are taking place
• Follow the instructions of local authorities
• Monitor local media for information on ongoing demonstrations

Mass gatherings (large-scale events)

Water activities

Rescue services may not be consistent with international standards. Tidal changes can cause powerful currents, and riptides are common. Not all beaches have lifeguards or warning flags to warn of hazardous conditions.

• Never swim alone or after hours
• Don’t swim outside marked areas
• Monitor weather warnings
• Avoid visiting beaches or coastal areas during periods of severe weather warnings
• Don’t dive into unknown water, as hidden rocks or shallow depths can cause serious injury or death
• Consult residents and tour operators for information on possible hazards and safe swimming areas

Tour operators and diving centres may not adhere to international standards.

If you undertake adventure sports, such as diving:

• choose a reputable company that has insurance
• ensure that your travel insurance covers the recreational activities you choose
• don’t use the equipment if you have any doubts about its safety

Recreational boating

If you are planning to go boating:

• know the navigation rules
• make sure life jackets are available for all passengers
• follow safe practices for all water activities such as jet-skiing, water-skiing or fishing
• don’t overload your boat capacity
• carry a VHF marine radio that will generate your position in case of emergency
• be prepared for emergencies

Water safety abroad

Road safety

Road safety standards are poor throughout the country. Accidents causing fatalities are common.

Road conditions

Road conditions are poor throughout the island, with the exception of the Central Highway, which runs west to east across the country. Driving may be dangerous due to:

• poorly maintained roads
• lack of signage
• Inadequate lighting
• roaming livestock
• horse-drawn carts
• pedestrians
• slow-moving traffic

Most Cuban cars are old and in poor condition. They often lack standard safety equipment. Some cars and most bicycles don’t have functioning lights.

Driving habits

Some drivers don’t respect traffic laws. Many of them, driving an electric vehicle for which licence and registration are not required, are inexperienced and unqualified. Drinking and driving is also common.  

If you choose to drive in Cuba:

• do so defensively at all times
• avoid travelling at night
• travel in groups when possible
• never pick up hitchhikers, who have been known to assault drivers

Public transportation

City buses are scarce, overcrowded and poorly maintained. Bus service is not reliable.

Incidents of pickpocketing are frequent.

Tour companies offer good bus service between airports and the all-inclusive resorts. Buses used for organized day trips from hotels are usually in good condition.

Official taxis are generally reliable.

Old-model private vehicles offered as taxis are not equipped with standard safety features. They have no insurance coverage for passengers in case of an accident.

• Use only registered taxis
• Avoid flagging a taxi down on the street
• Never share a taxi with strangers
• Agree on a fare before departure, as taxis are not equipped with meters

The rail network is comprehensive, connecting most of the island, but it’s unreliable and slow. Train service is limited to Cuban nationals only.

Health incidents

The Government of Canada continues to investigate the potential causes of unexplained health incidents reported by some Canadian diplomatic staff and dependents posted to Havana.

There is no evidence that Canadian travellers to Cuba are at risk.

We do not make assessments on the compliance of foreign domestic airlines with international safety standards.

Information about foreign domestic airlines

Every country or territory decides who can enter or exit through its borders. The Government of Canada cannot intervene on your behalf if you do not meet your destination’s entry or exit requirements.

We have obtained the information on this page from the Cuban authorities. It can, however, change at any time.

Verify this information with the  Foreign Representatives in Canada .

Entry requirements vary depending on the type of passport you use for travel.

Before you travel, check with your transportation company about passport requirements. Its rules on passport validity may be more stringent than the country’s entry rules.

Regular Canadian passport

Your passport must be valid for the expected duration of your stay in Cuba.

Passport for official travel

Different entry rules may apply.

Official travel

Passport with “X” gender identifier

While the Government of Canada issues passports with an “X” gender identifier, it cannot guarantee your entry or transit through other countries. You might face entry restrictions in countries that do not recognize the “X” gender identifier. Before you leave, check with the closest foreign representative for your destination.

Other travel documents

Different entry rules may apply when travelling with a temporary passport or an emergency travel document. Before you leave, check with the closest foreign representative for your destination.

Useful links

• Foreign Representatives in Canada
• Canadian passports

Tourist visa: required Family visa: required Business visa: required

Tourist card

Canadian tourists travelling to Cuba need a visa, known as tourist card. The tourist card allows you to stay in Cuba for up to 90 days. The tourist card is generally included in holiday packages provided by tour operators or airlines providing direct flights from Canada. If you go to Cuba on your own or transit via another country, you are responsible for obtaining the tourist card from a Cuban government office in Canada. You may also buy it at some airports in Canada and in the United States.

Length of stay

As a Canadian tourist, you may stay in Cuba for up to 6 months.

However, you must obtain an extension of stay if you intend to stay longer than the initial 90-day period allowed by the standard tourist card.

D’Viajeros traveller information portal  – Government of Cuba

Arrival form

You must provide information on your arrival in Cuba via an online form within 72 hours before entering the country.

Once done, you will receive a QR code by email.

You must show an electronic or printed version of the QR code to authorities upon arrival.

Health insurance

You must show proof of valid health insurance to enter Cuba.

All health insurance policies are recognized in Cuba, except those issued by U.S. insurance companies. However, the Cuban immigration authorities will decide which proof of health insurance is acceptable.

Proof of health insurance may be:

• an insurance policy
• an insurance certificate
• a Canadian provincial health insurance card

If you don’t have proof of health insurance or if the proof you present doesn’t satisfy the Cuban immigration authorities, you may have to obtain health insurance from a Cuban insurance company upon arrival. This insurance may have limited coverage. Local authorities may refuse your entry to the country.

Canadian provincial health care coverage provides very limited coverage outside Canada. It won’t pay for medical bills up-front. It does not include air evacuation, and neither does Cuban health insurance.

Cuban authorities won’t let you leave the country with outstanding medical bills, which are payable by credit card only. You will need to remain in Cuba until all debts are paid.

• Make sure you purchase the best health insurance you can afford
• Ensure the insurance includes medical evacuation and hospital stays

More on Travel insurance

Other entry requirements

Customs officials will ask you to show them:

• a return or onward ticket
• proof of sufficient funds to cover your stay
• proof that you have a place to stay if arriving with “air only” tickets

Dual citizenship

If you’re both a Canadian and Cuban citizen, you must:

• present your valid Cuban passport to the immigration authorities to enter Cuba
• have a valid Canadian passport to return to Canada

If you were born in Cuba, you should contact a Cuban government office in Canada before you leave to ensure compliance with Cuban regulations, regardless of your current citizenship. Failure to do so may result in your being refused entry into Cuba or being detained upon entry.

Canadian permanent residents

You will not be able to leave Cuba if you are a Canadian permanent resident and are without a valid permanent resident card. If your card is lost or stolen, you must contact the Canadian Embassy in Havana to obtain a travel document that will allow you to leave the country. This procedure can take up to 10 working days. Once the document is ready, you'll need to make an appointment with the immigration section of the Canadian Embassy in Havana to collect it before returning to Canada.

Permanent resident travel document: How to apply

Health screening

You may be subjected to a medical screening or interrogation by public health authorities when you enter or exit Cuba, or when reporting for domestic flights.

You may be subject to a mandatory quarantine for medical observation for up to 7 days if local authorities believe that:

• you have come in contact with a suspected carrier of one of these viruses
• you’re arriving from a country with a known epidemic
• Children and travel

Travelling with children

Yellow fever

Learn about potential entry requirements related to yellow fever (vaccines section).

Relevant Travel Health Notices

• Global Measles Notice - 13 March, 2024
• Zika virus: Advice for travellers - 31 August, 2023
• COVID-19 and International Travel - 13 March, 2024
• Oropouche fever in the Americas - 9 August, 2024
• Dengue: Advice for travellers - 26 August, 2024

This section contains information on possible health risks and restrictions regularly found or ongoing in the destination. Follow this advice to lower your risk of becoming ill while travelling. Not all risks are listed below.

Consult a health care professional or visit a travel health clinic preferably 6 weeks before you travel to get personalized health advice and recommendations.

Routine vaccines

Be sure that your  routine vaccinations , as per your province or territory , are up-to-date before travelling, regardless of your destination.

Some of these vaccinations include measles-mumps-rubella (MMR), diphtheria, tetanus, pertussis, polio, varicella (chickenpox), influenza and others.

Pre-travel vaccines and medications

You may be at risk for preventable diseases while travelling in this destination. Talk to a travel health professional about which medications or vaccines may be right for you, based on your destination and itinerary. 

Yellow fever   is a disease caused by a flavivirus from the bite of an infected mosquito.

Travellers get vaccinated either because it is required to enter a country or because it is recommended for their protection.

• There is no risk of yellow fever in this country.

Country Entry Requirement*

• Proof of vaccination is required if you are coming from or have transited through an airport of a country   where yellow fever occurs.

Recommendation

• Vaccination is not recommended.
• Discuss travel plans, activities, and destinations with a health care professional.
• Contact a designated  Yellow Fever Vaccination Centre  well in advance of your trip to arrange for vaccination.

About Yellow Fever

Yellow Fever Vaccination Centres in Canada * It is important to note that  country entry requirements  may not reflect your risk of yellow fever at your destination. It is recommended that you contact the nearest  diplomatic or consular office  of the destination(s) you will be visiting to verify any additional entry requirements.

There is a risk of hepatitis A in this destination. It is a disease of the liver. People can get hepatitis A if they ingest contaminated food or water, eat foods prepared by an infectious person, or if they have close physical contact (such as oral-anal sex) with an infectious person, although casual contact among people does not spread the virus.

Practise  safe food and water precautions and wash your hands often. Vaccination is recommended for all travellers to areas where hepatitis A is present.

 The best way to protect yourself from seasonal influenza (flu) is to get vaccinated every year. Get the flu shot at least 2 weeks before travelling.  

 The flu occurs worldwide. 

•  In the Northern Hemisphere, the flu season usually runs from November to   April.
•  In the Southern Hemisphere, the flu season usually runs between April and   October.
•  In the tropics, there is flu activity year round. 

The flu vaccine available in one hemisphere may only offer partial protection against the flu in the other hemisphere.

The flu virus spreads from person to person when they cough or sneeze or by touching objects and surfaces that have been contaminated with the virus. Clean your hands often and wear a mask if you have a fever or respiratory symptoms.

In this destination, rabies is carried by dogs and some wildlife, including bats. Rabies is a deadly disease that spreads to humans primarily through bites or scratches from an infected animal. While travelling, take precautions , including keeping your distance from animals (including free-roaming dogs), and closely supervising children.

If you are bitten or scratched by an animal while travelling, immediately wash the wound with soap and clean water and see a health care professional. Rabies treatment is often available in this destination. 

Before travel, discuss rabies vaccination with a health care professional. It may be recommended for travellers who are at high risk of exposure (e.g., occupational risk such as veterinarians and wildlife workers, children, adventure travellers and spelunkers, and others in close contact with animals). 

Measles is a highly contagious viral disease. It can spread quickly from person to person by direct contact and through droplets in the air.

Anyone who is not protected against measles is at risk of being infected with it when travelling internationally.

Regardless of where you are going, talk to a health care professional before travelling to make sure you are fully protected against measles.

  Hepatitis B is a risk in every destination. It is a viral liver disease that is easily transmitted from one person to another through exposure to blood and body fluids containing the hepatitis B virus.  Travellers who may be exposed to blood or other bodily fluids (e.g., through sexual contact, medical treatment, sharing needles, tattooing, acupuncture or occupational exposure) are at higher risk of getting hepatitis B.

Hepatitis B vaccination is recommended for all travellers. Prevent hepatitis B infection by practicing safe sex, only using new and sterile drug equipment, and only getting tattoos and piercings in settings that follow public health regulations and standards.

Coronavirus disease (COVID-19) is an infectious viral disease. It can spread from person to person by direct contact and through droplets in the air.

It is recommended that all eligible travellers complete a COVID-19 vaccine series along with any additional recommended doses in Canada before travelling. Evidence shows that vaccines are very effective at preventing severe illness, hospitalization and death from COVID-19. While vaccination provides better protection against serious illness, you may still be at risk of infection from the virus that causes COVID-19. Anyone who has not completed a vaccine series is at increased risk of being infected with the virus that causes COVID-19 and is at greater risk for severe disease when travelling internationally.

Before travelling, verify your destination’s COVID-19 vaccination entry/exit requirements. Regardless of where you are going, talk to a health care professional before travelling to make sure you are adequately protected against COVID-19.

Safe food and water precautions

Many illnesses can be caused by eating food or drinking beverages contaminated by bacteria, parasites, toxins, or viruses, or by swimming or bathing in contaminated water.

• Learn more about food and water precautions to take to avoid getting sick by visiting our eat and drink safely abroad page. Remember: Boil it, cook it, peel it, or leave it!
• Avoid getting water into your eyes, mouth or nose when swimming or participating in activities in freshwater (streams, canals, lakes), particularly after flooding or heavy rain. Water may look clean but could still be polluted or contaminated.
• Avoid inhaling or swallowing water while bathing, showering, or swimming in pools or hot tubs. 

Travellers' diarrhea is the most common illness affecting travellers. It is spread from eating or drinking contaminated food or water.

Risk of developing travellers' diarrhea increases when travelling in regions with poor standards of hygiene and sanitation. Practise safe food and water precautions.

The most important treatment for travellers' diarrhea is rehydration (drinking lots of fluids). Carry oral rehydration salts when travelling.

Typhoid   is a bacterial infection spread by contaminated food or water. Risk is higher among children, travellers going to rural areas, travellers visiting friends and relatives or those travelling for a long period of time.

Travellers visiting regions with a risk of typhoid, especially those exposed to places with poor sanitation, should speak to a health care professional about vaccination.  

Salmonellosis is a common illness among travellers to this country. It can be spread through contaminated food or beverages, such as raw or undercooked poultry and eggs, as well as fruits or vegetables.

Practice safe food and water precautions . This includes only eating food that is properly cooked and still hot when served.

Pregnant women, children under 5 years of age, those over 60 years of age, and those with weakened immune systems are at greater risk of becoming seriously ill.

Most people recover on their own without medical treatment and from proper rehydration (drinking lots of fluids).

• Carry oral rehydration salts when travelling.

Travellers with severe symptoms should consult a health care professional as soon as possible.

Insect bite prevention

Many diseases are spread by the bites of infected insects such as mosquitoes, ticks, fleas or flies. When travelling to areas where infected insects may be present:

• Use insect repellent (bug spray) on exposed skin
• Cover up with light-coloured, loose clothes made of tightly woven materials such as nylon or polyester
• Minimize exposure to insects
• Use mosquito netting when sleeping outdoors or in buildings that are not fully enclosed

To learn more about how you can reduce your risk of infection and disease caused by bites, both at home and abroad, visit our insect bite prevention page.

Find out what types of insects are present where you’re travelling, when they’re most active, and the symptoms of the diseases they spread.

There is a risk of chikungunya in this country. The level of risk may vary by:

The virus that causes chikungunya is spread through the bite of an infected mosquito. It can cause fever and pain in the joints. In some cases, the joint pain can be severe and last for months or years.

Protect yourself from mosquito bites at all times.

Learn more:

Insect bite and pest prevention Chikungunya

• In this country,   dengue  is a risk to travellers. It is a viral disease spread to humans by mosquito bites.
• Dengue can cause flu-like symptoms. In some cases, it can lead to severe dengue, which can be fatal.
• The level of risk of dengue changes seasonally, and varies from year to year. The level of risk also varies between regions in a country and can depend on the elevation in the region.
• Mosquitoes carrying dengue typically bite during the daytime, particularly around sunrise and sunset.
• Protect yourself from mosquito bites . There is no vaccine or medication that protects against dengue.

Zika virus is a risk in this country. 

Zika virus is primarily spread through the bite of an infected mosquito. It can also be sexually transmitted. Zika virus can cause serious birth defects.

During your trip:

• Prevent mosquito bites at all times.
• Use condoms correctly or avoid sexual contact, particularly if you are pregnant.

If you are pregnant or planning a pregnancy, you should discuss the potential risks of travelling to this destination with your health care provider. You may choose to avoid or postpone travel. 

For more information, see Zika virus: Pregnant or planning a pregnancy.

Animal precautions

Some infections, such as rabies and influenza, can be shared between humans and animals. Certain types of activities may increase your chance of contact with animals, such as travelling in rural or forested areas, camping, hiking, and visiting wet markets (places where live animals are slaughtered and sold) or caves.

Travellers are cautioned to avoid contact with animals, including dogs, livestock (pigs, cows), monkeys, snakes, rodents, birds, and bats, and to avoid eating undercooked wild game.

Closely supervise children, as they are more likely to come in contact with animals.

Person-to-person infections

Stay home if you’re sick and practise proper cough and sneeze etiquette , which includes coughing or sneezing into a tissue or the bend of your arm, not your hand. Reduce your risk of colds, the flu and other illnesses by:

•   washing your hands often
• avoiding or limiting the amount of time spent in closed spaces, crowded places, or at large-scale events (concerts, sporting events, rallies)
• avoiding close physical contact with people who may be showing symptoms of illness 

Sexually transmitted infections (STIs) , HIV , and mpox are spread through blood and bodily fluids; use condoms, practise safe sex, and limit your number of sexual partners. Check with your local public health authority pre-travel to determine your eligibility for mpox vaccine.  

Medical services and facilities

Good health care is limited in availability.

The health system is government-owned. The Cuban government operates hospitals and clinics throughout the island.

Medical professionals are generally adequately trained. However, facilities are in poor condition. They lack basic drugs, medical supplies and equipment. Hygiene practices may be inadequate.

Medical services are also available at most hotels and international clinics located in resort areas, where doctors and nurses provide initial emergency medical care reserved for foreigners. Health care provided in those clinics is usually better than services offered in public facilities.

Mental health care facilities are extremely limited. There are no hotlines available for this type of care in the country.

Emergency and ambulance services are limited. Response times may be slow, especially outside tourist areas.

Make sure you get travel insurance that includes coverage for medical evacuation and hospital stays.

Health and safety outside Canada

 Many prescription medications may not be available in Cuba.

If you take prescription medication, you’re responsible for determining their legality in the country.

• Bring enough of your medication with you
• Always keep your medication in the original container
• Pack your medication in your carry-on luggage
• Carry a paper and an electronic copy of your prescriptions

Cuba faces severe medicine shortages, including antibiotics and common pain killers. In addition of your prescription medication, you should also bring your own basic medicine in sufficient quantities to last beyond the length of your intended stay.

Public health authorities implement insect control measures including periodic fumigation and aerial spraying.

• Consult your doctor before traveling to see if the situation could affect you, especially if you suffer from respiratory ailments
• Stay away from a nearby fumigation process

Death abroad

Standards of mortuary services in Cuba differ from those in Canada. Cultural and religious beliefs are not taken into consideration. Autopsies are mandatory.

There is one funeral home and one morgue in the country which cater to foreigners. Both are located in Havana. Only these facilities have the authorization to issue appropriate documentation to accompany human remains. Timelines for the repatriation of human remains are long and costly.

The capacity for refrigeration is limited, as well as the availability of coffins and urns. Embalming materials and techniques are unlike those in Canada. Embalming may not be an option in some circumstances.

Ensure your insurance includes coverage for the repatriation of human remains.

Death Abroad Factsheet

Keep in Mind...

The decision to travel is the sole responsibility of the traveller. The traveller is also responsible for his or her own personal safety.

Be prepared. Do not expect medical services to be the same as in Canada. Pack a   travel health kit , especially if you will be travelling away from major city centres.

You must abide by local laws.

Learn about what you should do and how we can help if you are arrested or detained abroad .

Transfer to a Canadian prison

Canada and Cuba accede the Treaty between the Government of Canada and the Government of the Republic of Cuba on the Serving of Penal Sentences. This enables a Canadian imprisoned in Cuba to request a transfer to a Canadian prison to complete a sentence. The transfer requires the agreement of both Canadian and Cuban authorities. This process can take a long time, and there is no guarantee that the transfer will be approved by either or both sides.

Cuban criminal justice

The criminal justice system in Cuba differs significantly from that in Canada. Charges are not laid until the investigation is complete. If you’re arrested in Cuba, you will likely be detained during the entire period of investigation. You should expect long delays to resolve your case. You will not be allowed to leave the country during this period.

Cuba’s constitution allows the death penalty, but since 2003, the country has effectively had a moratorium on carrying out death sentences.

Investments

Private property rights in Cuba are strictly controlled. Only Cubans and permanent residents can buy a property in Cuba or register a privately owned vehicle. Be wary of strangers or acquaintances offering to purchase these items on your behalf. If you plan on making investments in Cuba, seek legal advice in Canada and Cuba. Do so before making commitments. Related disputes could take time and be costly to resolve.

Penalties for possession, use or trafficking of illegal drugs are severe. Convicted offenders can expect lengthy prison sentences.

• Pack your own luggage and monitor it closely at all times
• Don’t transport other people’s packages, bags or suitcases

Drugs, alcohol and travel

Child sex tourism

It's a serious criminal offence to have sex with minors in Cuba.

Local authorities are actively working to prevent child sex tourism. Tourists, including Canadians, have been convicted of offences related to the corruption of minors aged 16 and under.

Prison sentences for this type of crime range from 7 to 25 years. Release on bail before trial is unlikely.

Child Sex Tourism: It’s a Crime

 To get married in Cuba, you must provide several documents including:

• your birth certificate
• a copy of your passport
• your decree absolute certificate if divorced
• a death certificate for your spouse and a marriage certificate if widowed
• an affidavit of your single status if you have never been married before

All documents must be translated into Spanish, certified, authenticated and legalised by the Embassy of Cuba in Canada.

 Consult the Embassy of Cuba in Canada if you wish to marry in Cuba, including to a Cuban national.

• Foreign diplomatic missions and consulates in Canada
• Marriage overseas factsheet

Drones are prohibited.

They will be confiscated by the authorities upon entry.

Photography

Professional photographers require a visa to work in Cuba. They may also need a permit to import their equipment.

It’s forbidden to photograph, including with drones:

• military and police installations or personnel
• harbour, rail and airport facilities

Military zones and any other restricted or heavily guarded areas are not always identified.

Identification

Authorities may request to see your ID at any time.

• Keep a photocopy of your passport in case it’s lost or seized
• Keep a digital copy of your ID and travel documents

Dual citizenship is not legally recognized in Cuba.

If local authorities consider you a citizen of Cuba, they may refuse to grant you access to Canadian consular services. This will prevent us from providing you with those services.

Dual citizens

International Child Abduction

The Hague Convention on the Civil Aspects of International Child Abduction is an international treaty. It can help parents with the return of children who have been removed to or retained in certain countries in violation of custody rights. It does not apply between Canada and Cuba.

If your child was wrongfully taken to, or is being held in Cuba by an abducting parent:

• act as quickly as you can
• consult a lawyer in Canada and in Cuba to explore all the legal options for the return of your child
• report the situation to the nearest Canadian government office abroad or to the Vulnerable Children's Consular Unit at Global Affairs Canada by calling the Emergency Watch and Response Centre

If your child was removed from a country other than Canada, consult a lawyer to determine if The Hague Convention applies.

Be aware that Canadian consular officials cannot interfere in private legal matters or in another country's judicial affairs.

• International Child Abductions: A guide for affected parents
• Canadian embassies and consulates by destination
• Request emergency assistance

Imports and exports

Personal effects and medicine.

Tourists are allowed to enter Cuba with personal effects but items entering the country for donations may be subject to import rules. They could be seized and taxed in accordance with local legislation. This includes:

• new or used material goods
• personal care products
• medications

Cuban customs officials have the authority to decide what they deem to be for the tourist's personal use. They may apply steep tariffs for personal baggage exceeding the allowable weight.

You may export:

• up to 20 cigars without documentation
•  up to 50 cigars if they are in their original container, closed and sealed with the official hologram

If exceeding these amounts, you must provide a guarantee of origin certificate.

Failure to comply with this regulation will lead to the seizure of the cigars without compensation.

Art objects

Art objects, including artifacts and paintings purchased in Cuba, must be accompanied by an export permit. It’s usually provided by state-owned galleries.

In the absence of such a permit, items must be registered with the Registro Nacional de Bienes Culturales.

Ministry of Culture – Government of Cuba

Electronic devices

Electronic devices with GPS technology may be confiscated upon entry and returned upon departure.

Satellite telephones are forbidden.

Electronic cigarettes and personal vaporizers

You cannot bring electronic cigarettes or personal vaporizers to Cuba.

Customs officials will seize these items upon arrival.

Black market

Street vendors may offer you black-market goods, such as cigars, or ask to change dollars for Cuban currency.

Engaging in black-market transactions is illegal and can lead to difficulties with the Cuban authorities.

Cuban Customs Administration  – Government of Cuba

Boat traffic

The U.S. government closely monitors boat traffic in the Straits of Florida. It will seize any vessel not bearing a licence from the Office of Foreign Assets Control (OFAC) if it believes it’s headed for Cuba.

You’re subject to these measures if you dock your Canadian-registered boat in Florida. You’ll be exempted if you are simply en route to Cuba via the U.S.

If travelling by boat to Cuba from the US:

• Make sure to know the regulation related to docking and port controls
• Expect thorough search and interrogations

You should carry an international driving permit.

International Driving Permit

Traffic accidents

Traffic accidents have led to arrest and detentions of Canadians in the past.

Accidents resulting in death or injury are treated as crimes. The onus is on the driver to prove innocence. If you’re found to bear responsibility in a traffic accident resulting in serious injury or death, you may face up to 10 years in prison.

If you’re involved in an accident:

• don’t leave the scene
• don’t move your vehicle
• call the police

While car insurance is mandatory for foreign drivers and foreign-registered vehicles, it's not for Cuban citizens. As a result, most local drivers don't carry a car insurance. You shouldn’t expect compensation for vehicle damage or personal injury from a Cuban driver following a car accident.

Vehicle rentals

Car insurance coverage in Cuba differs from that in Canada.

Rental agencies are government-controlled. If you’re found to be at fault in an accident, the rental agency will nullify your coverage and seek compensation to cover the cost of repairs.

Cuban authorities can prohibit you from leaving the country unless the rental agency receives payment or until all claims associated with an accident are settled.

Contract agreements don’t cover occasional drivers. As a result, the signatory is responsible for all people driving the vehicle.

• Be cautious if you rent a vehicle in Cuba
• Avoid renting a scooter; thieves target them and you may be responsible for the cost of its replacement
• Make sure to obtain a receipt when returning a rental vehicle

The currency of Cuba is the Cuban peso (CUP).

Credit cards issued by U.S. financial institutions or affiliated with U.S. banks are not accepted in Cuba.

Canadian credit cards are increasingly accepted at restaurants and hotels. However, the system is unreliable and bank cards may not work or may stop working without notice.

ATMs are rare and also unreliable. Each withdrawal is limited to 5 000 CUP, when possible.

You may obtain credit card cash advances at banks, hotels or a state-run exchange bureau, but in CUP only.

When travelling to Cuba, you should plan to bring enough currency to cover the duration of your stay. You should also plan for small bank notes to facilitate daily transactions such as, street food, taxis and tips.  

You can easily exchange Canadian and American dollars, as well as euros for CUP at:

• the money exchange bureaus in Cuba’s international airports
• major hotels
• official exchange bureaus

It’s illegal to change money on the street or anywhere else other than authorized entities.

You cannot go through Cuban customs with more than 5 000 CUP.

Hurricane season

Hurricanes usually occur from mid-May to the end of November. During this period, even small tropical storms can quickly develop into major hurricanes.

These severe storms can put you at risk and hamper the provision of essential services. You could face serious safety risks during a hurricane.

If you decide to travel to a coastal area during the hurricane season:

• be prepared to change your travel plans on short notice, including cutting short or cancelling your trip
• stay informed of the latest regional weather forecasts
• carry emergency contact information for your airline or tour operator
• follow the advice and instructions of local authorities
• Severe storms outside Canada
• Large-scale emergencies outside Canada
• Active storm tracking and hurricane watches and warnings – U.S. National Hurricane Center

Rainy season

The rainy season extends from April to October.

Seasonal flooding can hamper overland travel and reduce the delivery of essential services. Roads may become impassable due to mudslides and landslides. Bridges, buildings, and infrastructure may be damaged.

Earthquakes

Cuba is located in an active seismic zone.

Earthquakes may occur. Even minor earthquakes can cause significant damage.

In the event of an earthquake:

• monitor local media to stay informed of the evolving situation
• follow the instructions of local authorities, including evacuation orders
• Earthquakes – What to Do?
• Latest earthquakes  - U.S. Geological Survey

Local services

In case of emergency, dial:

• police: 106
• medical assistance: 104
• firefighters: 105

Consular assistance

Guardalavaca, Varadero

For emergency consular assistance, call the Embassy of Canada to Cuba, in Havana, and follow the instructions. At any time, you may also contact the Emergency Watch and Response Centre in Ottawa.

The decision to travel is your choice and you are responsible for your personal safety abroad. We take the safety and security of Canadians abroad very seriously and provide credible and timely information in our Travel Advice to enable you to make well-informed decisions regarding your travel abroad.

The content on this page is provided for information only. While we make every effort to give you correct information, it is provided on an "as is" basis without warranty of any kind, expressed or implied. The Government of Canada does not assume responsibility and will not be liable for any damages in connection to the information provided.

If you need consular assistance while abroad, we will make every effort to help you. However, there may be constraints that will limit the ability of the Government of Canada to provide services.

Learn more about consular services .

Risk Levels

  take normal security precautions.

Take similar precautions to those you would take in Canada.

  Exercise a high degree of caution

There are certain safety and security concerns or the situation could change quickly. Be very cautious at all times, monitor local media and follow the instructions of local authorities.

IMPORTANT: The two levels below are official Government of Canada Travel Advisories and are issued when the safety and security of Canadians travelling or living in the country or region may be at risk.

  Avoid non-essential travel

Your safety and security could be at risk. You should think about your need to travel to this country, territory or region based on family or business requirements, knowledge of or familiarity with the region, and other factors. If you are already there, think about whether you really need to be there. If you do not need to be there, you should think about leaving.

  Avoid all travel

You should not travel to this country, territory or region. Your personal safety and security are at great risk. If you are already there, you should think about leaving if it is safe to do so.

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2023 U.S. & CANADIAN MILITARY AERIAL AIRCRAFT/PARACHUTE DEMONSTRATIONS

During CY 2023, the U.S. and Canadian Military Aerial Demonstration Teams (Thunderbirds, Blue Angels, Snowbirds, and Golden Knights) will be performing on the dates and locations listed below.

Pilots should expect Temporary Flight Restrictions (TFR) in accordance with 14 CFR Section 91.145, management of aircraft operations in the vicinity of aerial demonstrations and major sporting events.  The dimensions and effective times of the TFRs may vary based upon the specific aerial demonstration event their issued via the U.S. NOTAM system.  Pilots are strongly encouraged to check FDC NOTAMs to verify they have the most current information regarding these airspace restrictions.

Note:  Dates and locations are scheduled “show dates” only and do not reflect arrival or practice date TFR periods that may precede the specific aerial demonstration events listed above.  Again, pilots are strongly encouraged to check FDC NOTAMs to verify they have the most current information regarding any airspace restrictions.

[ A JV-P210 , 11/16 /22 ]

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