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Benefits for All Ages:
- No questionnaires
- 180 Day Lookback
- Up to $1,000,000 medical
- No deductibles
- No copays
- 365 day Max trip length
- No Pre-certification
- Want more info?
Email us here or call 1-888-407-3854
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"I usually get my travel insurance in Canada but a friend urged me to see what you have to offer. Can you help us?
My wife (age 77) and I (age 78) winter in our Florida home for 5 months. We're in good health but we take different medications with no changes in over a year." |
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Live Help / Online Chat
If the icon's coloured, we're available right now. Or leave us a message.
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Call us toll-free at 1-888-407-3854, or write us here if you have a stable pre-existing condition in the 180 day lookback period or click here. We may be able to help you. |
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Call Steve, Deanna, Becky or Mary at:
1-888-407-3854 (toll free) or 507-214-3854
Mon - Fri: 8:45am - 7:30pm, Sat: 10am - 6pm, Sun: 2pm - 5pm ET
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Note: All Prices and Benefits are in US Dollars
Email us here
How Does The Travel Guard Cruise, Tour & Travel Plan's 60 day Lookback Period Work?
If you insure a 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 a trip cost, the 60 day Lookback Period is the 60 days prior to your departure date. |
What can occur during the 60 day Lookback Period to cause a condition to be defined as a Pre-Existing Condition?
If the person with the condition has any symptoms, appointment or visit or consultation with a medical professional, test, diagnosis, medication adjustment or change, then a pre-existing condition exists.
Remember that Pre-Existing Conditions apply to not only, you, the traveller, but they also apply to your traveling companions and family members. |
What can I do if my medical condition is defined as a pre-existing medical condition?
The Travel Guard Travel Guard Cruise, Tour & Travel plan has a provision where it's possible for you to waive that exclusion. If the condition is defined as a pre-existing medical condition and you don't waive the pre-existing medical condition exclusion, then you will have no coverage for trip cancellation, trip interruption nor any medical treatment for that medical condition.
This takes us back to the Lookback Period. The Lookback Period defines whether or not a pre-existing medical condition exists. The Lookback Period doesn't affect you when there aren't any pre-existing medical conditions. The Lookback Period is important to you if:
Today is more than 14 days after the date you made your initial trip deposit plans and You, a family member or a traveling companion has a pre-existing medical condition and You're concerned the pre-existing medical condition may cancel / interrupt your trip or cause you to seek treatment while you're on your trip.
Let's say you have high chloresterol. You're fine now. Your condition is completely controlled with no diagnosis, care, consultations with any medical professional, treatments nor any changes in medication in the past 60 days. Therefore if you get the Travel Guard Travel Guard Cruise, Tour & Travel plan your condition will not be defined as a pre-existing medical condition.
No matter when you get a travel, trip or cruise insurance plan, a medical condition may be a valid reason for trip cancellation or interruption. The person with the pre-existing medical condition has to be medically stable when you get your insurance. Medically Stable means that in the 60 days prior to the day you buy the Travel Guard Travel Guard Cruise, Tour & Travel plan, there can't have been any medical condition which:
Manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; Required the taking of prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or Required medical treatment or treatment was recommended by a legally qualified physician.
If 1, 2 or 3 apply and you're past the first 14 days after you made your initial trip deposit, you won't have any coverage for claims from that pre-existing medical condition.
Click here to download or read the Certificate of Coverage
Return to the Snowbird Insurance Home page
Click here to go directly to Travel Guard's Cruise, Tour & Travel online quote and purchase page
Recommend this page Easily Contact SnowBirdInsurance.comSnowbirdInsurance.com - a division of TripInsuranceStore.com
Toll free (US & Canada): 1-888-407-3854
Local: 507-214-3854
Office hours: (Eastern Time Zone)
Mon - Fri: 8:45am - 8:30pm
Sat: 10am - 6pm
Sun: 2pm - 5pm
Email us here Have Questions? or Ready to Buy? Call Steve, Deanna, Becky or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
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