Planning to spend winter months down south? Here's what you need to know about pre-existing conditions, stability periods, and choosing the right plan for your extended adventure.
The Provincial Limit
Snowbirds often forget that provincial health coverage (like OHIP) has very strict limits once you leave the country. A single night in a US hospital can easily exceed $15,000 USD. Specialist travel insurance is the only way to protect your retirement savings from a sudden medical emergency.
Stability Matters
The most important part of any senior's policy is the "stability clause." This requires that any pre-existing conditions (like high blood pressure) remain unchanged for a specific period—typically 90 to 180 days—before your departure. I'll help you review your medical history to ensure your coverage is valid.
Plan Your Duration
Whether you're gone for 3 weeks or 6 months, we can tailor a policy that fits. Annual multi-trip plans are often the best value for those who take several shorter trips throughout the year.
"A stress-free winter starts with knowing your health and finances are protected no matter where you fly."— Rahul Jain