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6 Tips on Buying Snowbird Travel Insurance in Canada


Before your trips to warmer regions, Snowbird Travel Insurance is one of the important things to cross your check list. Here are some tips to help you buy the most suitable Snowbird Travel insurance policy in Canada.

1. Focus on the policy’s coverage

Cost is one of the critical aspects we need to consider when buying an insurance policy. But it doesn’t mean that you need to focus on the policy’s cost over everything else. On the other hand, it is not advisable to buy an insurance policy with highly extensive coverage unless the price is reasonable.

In buying Snowbird Travel insurance, you must consider both price and coverage. Do not buy an extensive and expensive policy if you won’t get to use it to its full potential. The same thing applies to an inexpensive policy. Purchasing an inexpensive policy that does not meet your needs is also a big no.

In buying travel insurance, you must select the price and coverage options that go hand in hand. However, if you can’t find an efficient policy with a small budget, it is advisable to prioritize one thing over another.

Keep in mind that most policies only offer either great travel and medical insurances through claims or a high-yield saves from insurance premiums but with lesser coverage. Thus, before getting medical insurance, you must know which to prioritize. Is it the coverage that keeps you at ease in case of medical emergencies? Or, do you prefer to get more savings from premiums?

Once you figure out which one is your priority, you need to look for someone to help you find the best Snowbird Travel Insurance for Canadians. 

2. Snowbird Travel Insurance Brokers know best

To save your time from the hassle of shopping for the best insurance policy and insurance provider online, we highly suggest that you should get a broker. In choosing a broker, you should go to one who represents various insurance companies and not just one insurance provider, for more quotes and comparison. Insurance Direct Canada is one of the most trusted insurance brokers in Canada.

Insurance brokers serve as a coordinator. They will connect to various insurance agencies to find the best policy to cover your needs. Once they find the best Canadian insurance provider and the best Canadian Snowbird Travel insurance policy, they will present it to you and help you sign up. At the same time, the agents who work for a specific company are mostly bound by contracts and can only sell a certain number of policies.

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6 Tips on Buying Snowbird Travel Insurance in Canada 2

3. Be Transparent!

It’s good if we can close a deal in our favor. But when it comes to insurance policies, a closed deal might not end well if we were not transparent enough. 

Honesty is crucial when signing up for an insurance policy, especially if you have a pre-existing condition. Suppose you will not declare it when you signed up for the policy and the insurance provider found out that you lied in your application. In that case, there is a big possibility that your insurance provider will not pay or cover your medical expenses when the need arises.

4. Read the Fine Print

Before you seal the deal, you must read the fine print of your prospective Snowbird Travel Insurance policy. We highly advise you to thoroughly read the terms and conditions of the policy as this will help you clear your doubts and help you understand what you will expect when the time comes.

However, if you can’t find the answers to some of your questions, especially about Covid-19, you may ask your broker for updates. 

If you are still in doubt or are not getting the answers you need, you may ask questions to unbiased ones.

5. Ask Seasoned Travelers

If you are new to being a snowbird, you can join online communities or ask your friends who have been traveling every winter. These seasoned Snowbirds know the dos and don’ts of being a traveler and more likely know which company is the best insurance provider and which policy best works for a Canadian snowbird. 

That’s the best way to know which insurance provider offers the best price and coverage. 

6. Close the deal with discounts!

Granting that all your questions have been answered and your mind is now doubt-free, the next step that you need to do is to ask for discounts.

Since insurance brokers sometimes work directly with the insurance provider, they are one of the few people who know the internal discounts like loyalty discounts, early booking, etc. and other discounts that you will not find online. This is another way to save your hard-earned money from buying Canadian Snowbird Travel insurance. 

When making use of these tips, you must also understand that each Canadian Snowbird policy’s needs are different. Thus, some policies that you might see in the online community or the ones that your seasoned Snowbird friends give might not be what you need. This means that it will always be better to talk to an insurance broker who specializes in Canadian Snowbird Travel Insurance. 

If you want to know more about Canadian Travel Insurance, you can refer to Insurance Direct Canada. We will be more than happy to help you with your policy concerns and share our expertise in finding the best Snowbird Travel Insurance in Canada.



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