About Snowbird Advisor Insurance

A different kind of insurance provider to meet the unique needs of snowbirds, seniors and boomers

Our Mission

At Snowbird Advisor Insurance, we're dedicated to providing Canadian snowbirds, seniors and boomers with travel, home, auto and RV insurance solutions and educational tools to help you choose the right insurance coverage at the right price to meet your unique needs.

Our History

As a trusted resource for Canadian snowbirds, our parent company SnowbirdAdvisor.ca provides over 25,000 members with valuable tips, tools and information about the snowbird lifestyle.

Travel Insurance

However, when it came to travel insurance, our members made it clear that many of their needs weren't being met, including:

  • Access to more travel insurance plans that better serve the unique needs of snowbirds and seniors.
  • Better coverage options for unstable and hard to cover medical conditions.
  • Insurance agents with expertise assisting snowbirds and seniors with their unique needs.
  • Availability of transparent, unbiased information about travel insurance to help them make better coverage choices.

So, we listened to your feedback and created Snowbird Advisor Insurance to address your concerns.

To best serve the needs of our clients, we have partnered with a leading Canadian insurance broker with over 15 years of experience and expertise assisting snowbirds and seniors with their travel insurance, so you can rest assured that the agent assisting you understands your requirements.

Through our partnership, we are also able to offer our clients cutting edge Personalized Travel Medical Insurance Policies with no stability period requirement for pre-existing medical conditions, as well as other benefits that are ideal for snowbird, boomer and senior travellers.

Home, Auto and RV Insurance

As our satisfied clients discovered the benefits of our travel insurance, they began to ask us for other types of insurance tailored to their lifestyles - and once again, we listened.

We now offer a full suite of travel, home, auto and RV insurance solutions designed to meet the needs of snowbirds, seniors and boomers.

Our Strengths & Values


When it comes to insurance for snowbirds and seniors, there is no one-size-fits-all solution - the right policy for your friend or spouse may not be right for you.

That's why we compare different coverage plan options based on your unique needs to help you choose a policy that works for you.

Specialization & Experience

Travel insurance for snowbirds and seniors is a unique product that requires a level of specialization that many insurance agents don't possess.

That's why we've partnered with a leading Canadian insurance broker with over 15 years of experience specializing in snowbird and senior travel insurance.

And when it comes to home, auto and RV insurance, our brokers can help guide you towards the policy that makes the most sense for your lifestyle.

Transparency & Education 

We pride ourselves on being open and honest about our policies and practices. We also understand that insurance for snowbirds and seniors can be complex and confusing, making it difficult to evaluate which coverage option is right for you.

That's why we've developed a Travel Insurance Learning Center and Home, Auto & RV insurance Learning Centres to help you better understand your options, avoid pitfalls and make smart insurance choices. These valuable resources feature a wealth of helpful tips and information, regardless of where you decide to purchase your insurance.

We’re also a proud member of the Travel Health Insurance Association of Canada ("THIA") and adhere to the principles of THIA's Travel Insurance Bill of Rights and Responsibilities.

Leadership Team

Stephen Fine, LLB - President & Co-Founder

Stephen Fine, LLB

Driven by his passion for travel and tourism, Stephen founded Cross Border Media in 2007 as a boutique travel media company, where he developed a number of successful online publications.

In 2016, he launched SnowbirdAdvisor.ca, which quickly became a leading one-stop resource for Canadian snowbirds.

In 2018, Stephen co-founded Snowbird Advisor Insurance to assist Canadian snowbirds and seniors with their unique travel insurance needs.

Stephen is active in many Canadian travel industry organizations, serving as a director of Discover America Canada and SKAL Toronto.

He is also a frequent guest speaker at travel industry events and conventions and has appeared on television and in print media as an expert on travel and snowbird issues.

Prior to founding Cross Border Media, Stephen received his law degree from the University of Western Ontario and served as legal counsel and in executive roles for multiple media and software companies.

Michael Camacho, MBA, CFP, CLU, CH.F.C. CHS, FLMI - Co-Founder

Michael Camacho - Snowbird Advisor Insurance

Michael has over 20 years of experience in the Canadian travel insurance industry.

He is currently the President at Toronto based insurance advisory firm CSI Brokers Inc.,‎ was a founding member of the Travel Health Insurance Association of Canada and is currently on the Board of ‎Advocis Toronto.