Single-Trip Travel Medical Insurance for Snowbirds and Seniors

Only travel once or twice per year? Single trip travel medical insurance may be the right option for you.

Just like the name suggests, our single-trip plans provide you with emergency medical coverage for a single trip with a defined start and end date - beginning on your departure date and ending on your return date.

Single-trip plans are often the better choice for snowbirds and seniors with the following travel habits:

  • You only plan on taking one or two trips over a 12 month period
  • If you spend your winter away, you don't come back to Canada periodically between your initial departure date and your final return date.

If you’re a snowbird, boomer or senior who only travels once or twice a year, our single-trip plans may be right for you - but it’s always best to explore your options to find the ideal fit for your specific circumstances.

Our experienced agents understand the unique needs of snowbird and senior travellers and can assist you in selecting the best travel insurance policy based on those needs by comparing and combining multiple options, including single-trip plans, annual multi-trip plans, all inclusive plans and top-up plans.

Consider our Personalized Travel Medical Policies*

For single-trip plans, snowbirds and seniors should consider our cutting edge personalized travel medical policies (in addition to our standard single-trip policies).

Personalized policies provide emergency medical coverage for pre-existing medical conditions with no stability period requirement, a great feature for travellers who have unstable medical conditions that would often be excluded from coverage under more traditional plans.

Additional benefits may also include lower premiums and coverage for individuals who may be declined coverage elsewhere due to significant or hard to cover medical conditions

* Our Personalized Travel Medical coverage is currently only available for single-trip plans.

How are Personalized Travel Medical Policies Different?

Unlike most standard policies that determine your premium and coverage eligibility by lumping you in with a group of other travellers, our personalized travel medical policies use advanced technology to determine your premium and coverage eligibility based solely on your personal health and characteristics.

Single-Trip Plans vs. Annual Multi-Trip Plans

When it comes to travel medical insurance, Canadian snowbirds and seniors should compare Single-Trip Plans vs. Annual Multi-Trip Plans.

Factors like Trip Length (how long your trips are) and Trip Frequency (how often to you travel) can help you determine which type of plan is best for you in terms of coverage and price.

What’s the difference?

Below is a brief comparison of single-trip and multi-trip plan features and which travel habits each plan is generally more appropriate for:

Single-Trip Travel Medical Insurance Plans

vs.

Annual-Multi Trip Travel Medical Insurance Plans

Features:

  • Provides emergency medical coverage for a single trip with a defined start and end date - beginning on your departure date and ending on your return date.
  • You can purchase a top-up plan for extra coverage days if you want or need to extend your original trip length.

 

  • Provides emergency medical coverage for an unlimited number of trips over a 12 month period.
  • Limits the number of days per trip you can spend outside your home province before you must return home to re-start the clock
  • Days per trip limits depend on the plan you choose
  • You can purchase a top-up plan for extra coverage days if you plan on taking a trip that is longer than the days per trip limit provided by multi-trip plan

Usually better if you have the following travel habits:

  • You only plan on taking one or two trips over a 12 month period
  • If you spend the winter away, you don't come back to Canada periodically between your initial departure date and your final return date.

 

  • You plan on taking multiple trips over a 12 month period
  • If you spend your winter away, you plan on coming back to Canada periodically between your initial departure date and your final return date.

Which Plan is Right for Me?

The answer is...it depends. The travel medical insurance plan that will provide you with the coverage you need at the most cost effective price will depend entirely on your travel plans.

In many situations, the most comprehensive, cost effective coverage option for travellers who spend extended periods away is a combination of single-trip, annual multi-trip and top-up plans.

However, finding the right combination on your own can be complicated, if not impossible, as there are endless possibilities.

Fortunately, our agents are experts when it comes to reviewing your travel plans to determine which combination will provide you with the best coverage at the best price to meet your needs.

Accordingly, we suggest speaking with one of our experienced agents to assist you before you decide on a policy.

What does Travel Medical Insurance Cover?

It’s important to be aware that travel medical insurance only covers you for costs related to emergency medical treatment. Covered emergency medical expenses include:

  • Medical Treatment
  • Ambulance
  • Laboratory Tests
  • Prescribed medication
  • Paramedical services
  • Emergency dental treatment
  • Repatriation
  • Vehicle return
  • Return of deceased
  • Accidental death

Travel medical insurance does not cover you for elective medical treatment or treatment that you could have returned to Canada to receive.

It also won't cover you for non-refundable travel expenses like airfare, hotels, tours, cruises and rental accommodations. If you want coverage for these types of expenses, you'll need to purchase trip cancellation and interruption insurance separately or as part of an all-inclusive plan.

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