Beginning AIG Travel Guard is making this Snowbird Travel Insurance plan ("Cruise, Tour & Travel") unavailable to all Canadian Snowbirds as of August 13, 2008. The new plan is called "My Travel Guard". It's more expensive, too.

This is a long page with useful information. All prices & benefits are in US dollars. Our Snowbird Insurance plan is less expensive than you'd expect because you are getting a trip cancellation plan with very good medical. And you aren't penalized for stable pre-existing conditions.

"I usually get my travel insurance through Canadian companies but a friend recommends I see what you have to offer. Can you help us?

My wife and I drive to Florida every winter and rent a place for 5 months. She is age 69. I'm age 67. Our annual policy with CAA covers any travel up to 30 days outside our province of Ontario.

We're both healthy but we take different medications with no changes in over a year. We're sick of being penalized for our stable pre-existing conditions."

This Snowbird plan works best if you have a stable pre-existing medical condition because this plan will not cover:
An Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 60 day Lookback Period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or for which care or treatment was given or recommended by a Physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.

If you insure any trip cost, the 60 day Lookback Period is the 60 days prior to the date you buy this Snowbird Travel Insurance plan.

If you do not insure any trip cost, the 60 day Lookback Period is the 60 days prior to your your departure date.

Click here to see the prices and how to calculate the premium

Click here to download or read the Certificate of Coverage

Why Buy It?

Quibbles

 The Travel Guard CTT has a 60 day Lookback Period for medically stable pre-existing conditions

 You have to cover your entire trip's length. A trip is defined as the entire time you are away from home. You can't buy it for just as long as you need it or for a part of the time you're away from home. There has to be proof of roundtrip travel - you can't use open-ended or standby tickets.

 If you have any prepaid, non-refundable trip costs, you have 14 days after your initial trip deposit date to waive the Pre-Existing Medical Conditions exclusion

 If you are returning home during your trip (ie - going home for Christmas) you'll need 2 policies because returning home consitutes the end of the trip.

 The Cruise, Tour & Travel plan has $50,000 (you can cheaply upgrade Cruise, Tour & Travel's Medical coverage to $100,000) Primary Emergency Medical coverage

 This Snowbird Travel Insurance policy is a reimbursement policy. That means you pay for your medical treatment & prescriptions up front and are reimbursed after filing your claim. Sometimes the insurance company will pay the medical claim directly, but it's on a case-by-case basis.

 Travel Guard can guarantee payment to a medical facility to secure your admission while you're on your trip

 The Emergency Medical coverage ends when you reach your home if you are returned to Canada under the Emergency Medical Transportation coverage

 The price is the same (per age & trip cost bracket) for the first 30 days. After that, you pay a daily rate per person of $5 per day

 The Travel Guard CTT has a 60 day Lookback Period for medically stable pre-existing conditions

 The lowest trip cost you can cover is $0. This means you won't have any trip cancellation, nor pre-existing conditions coverage.

 The latest you can get this Snowbird insurance plan is at at least the day before your trip starts

 Travel Guard's maximum trip length is 365 days

 You have a 14 day Free Look Period

 The Cruise, Tour & Travel plan has a 150% trip interruption benefit

If you're ready to order your Travel Guard's Cruise, Tour & Travel plan, click here for the secure online order form. Or call Steve, Tara, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) to place your order over the telephone.

We did our business with Steve this year & last year. He is a very nice person & very easy to talk to. He makes sure you are satisfied with your insurance before he will rush you through & hang up the phone. I will surely spread the word about your insurance. Many thanks. Norma & Jesse Murray, Nova Scotia

Click here to see the prices and how to calculate the premium

Click here to download or read the Certificate of Coverage

Plan Name

Cruise, Tour & Travel

The daily per person Policy Cost for over 30 days (the prices are next)

$5 per person per day

Trip Cancellation (per person)

Up to the insured amount

Trip Interruption (per person)

Up to 150% of the insured amount

No Deductible Primary Medical (per person)

$50,000 or $100,000 with the optional Umbrella Upgrade

Travel Guard can guarantee the payments

Emergency Accidental Injury Dental Treatment (per person)

$500

Emergency Transportation (per person)

$1,000,000

Your deadline to waive the Pre-Existing Condition exclusion

Your Initial Trip Deposit Date plus 14 calendar days (you need to buy this plan before the end of those 14 days)

Pre-Existing Condition Lookback Period

60 Days

Flight Travel Baggage (per person)

$1000

Flight Travel Baggage Delay (per person)

$200

Flight Travel Delay (per person)

$1,000 (after 6 hours)

Accidental Death (per person)

$25,000

Rental Car Collision/Loss

Yes, as a separate plan

24 Hour Emergency Assistance

Yes

Flight Insurance (per person)

Yes, as a separate plan

Financial Default of cruise lines, airlines, or tour operators

14 Day Wait if purchased by your Initial Trip Deposit Date plus 14 calendar days

Insurance Company

American Home Assurance Company (2008 AM Best Rating A++)

Secure Online purchase link (You don't pay extra fees by going through us).

Cruise, Tour & Travel - this will take you to their secure site

Per Person Trip Cost

Ages 35 - 59

60 - 69

70 - 74

75 - 79

80 - 84

85+

$1 - 250

$36

53

59

77

114

131

$251 - 500

$42

62

68

87

128

148

$501 - 1,000

$75

104

122

152

220

240

$1,001 - 1,500

$103

146

172

222

321

341

Umbrella Plan: $100,000 Total Medical Coverage

$17

22

27

32

37

43

If your trip cost is over US $1,500 per person, please call Steve, Tara, Deanna, Becky, Teresa or Mary at 1-888-407-3854, 8 am - 10 pm Eastern time. Note: Rates subject to change.

One person, age 65; 75 day long trip with a prepaid non-refundable Trip Cost of US $500.

75 days - 30 days = 45 days.
$62 + $6 policy fee + (45 x $5) = $293

One person, age 73; 100 day long trip with a prepaid non-refundable Trip Cost of US $900.

100 days - 30 days = 70 days.
$122 + $6 policy fee + (70 x $5) = $478

Two people, ages 65 and 73; 65 day long trip with a prepaid non-refundable Per Person Trip Cost of US $1350.

65 days - 30 days = 35 days.
$146 + $172 + $6 policy fee + (35 x $5 x 2) = $674