Snowbirds: Find the Best Insurance Plan for You

Snowbirds: Find the Best Insurance Plan for You

Are you planning to go south for the winter to escape the cold for a couple of months this year? If so, it’s important to have the right type of coverage for when you travel and leave your home and belongings behind for an extended period of time. What should be included in your insurance plan? Every snowbird has unique needs that are also different from younger travelers. Learn everything you need here to find the best insurance plan for you.

24/7 Medical Coverage

Adequate medical coverage should be at the top of your list. As a snowbird, it’s important that your medical insurance provides enough coverage for any medical expenses and support that you may need if hospitalized in another country. And because of your age, you’ll also need to pay attention to any terms and conditions that apply when you’re over a certain age. To ensure you have the best plan for your needs, check that the insurance has you covered for:

  • Out of country hospitalization fees
  • Transportation and out of pocket expenses for you and a relative
  • Emergency evacuation services back to Canada
  • Any pre-existing conditions you have
  • Medical follow up back home

Travel Insurance

Travel insurance doesn’t always cover your travel expenses if you need to come home early or cancel your trip last minute. Be sure that the travel insurance portion covers your needs:

  • Trip cancellation and interruption
  • Baggage insurance to cover lost or stolen bags
  • Returning your vehicle back to Canada
  • Multi-trip and top-up insurance that allows you to take breaks in case you need to come home
  • Affordable premiums and deductibles that you can cover
  • Exclusions and limitations you are comfortable with

Homeowners Insurance

You should never leave the country without checking our home insurance policy. An empty house is at risk of damage and theft. Even if you have someone to check in on your home periodically or a house-sitter, it’s important that you have the right coverage to protect you in the event a pipe bursts or someone invades your home. Here are some of the things to look for in a policy:

  • The coverage is sufficient for the length of time you plan to be away
  • Water damage coverage
  • Comprehensive insurance to cover any losses or expenses as a result of a burglary
  • Coverage for animal entry and damage
  • Coverage for stored vehicles
  • Any limitations or restrictions on the coverage when your home is unoccupied during the winter

Auto and Recreational Vehicle Insurance

If you plan to drive or RV down through the US or further south, it’s important that your vehicle has adequate coverage as well. Here are a few important insurance considerations when driving outside of the country:

  • If you have coverage for all the countries you plan to visit
  • Registration requirements of the places you are visiting
  • How long your insurance policy will allow you to drive out of the province for
  • If you have enough liability coverage on your insurance to cover a personal injury lawsuit in another country
  • If you have content replacement coverage for your RV
  • Emergency vacation expenses coverage

Whether you plan to snowbird in the US for three months or travel to Mexico for six, you can find the best rates and coverage for your trip with us at Rowat Insurance. We can help you customize the policy to suit your specific needs to ensure you have enough coverage so you can sleep easy. Contact us today for a free quote.


Insuring Ontario and Quebec since 1955. Trust Rowat Insurance Brokers to look after your home, auto, business and life insurance needs. We always guarantee fast, friendly service and highly competitive premiums. As brokers, we are entirely independent from Insurers and Financial Institutions; we will work with you to analyze and advise on risk, and customize the coverage that is right for you.