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Note: All Prices and Benefits are in US DollarsThis Snowbird Insurance plan is called
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| You can easily insure any pre-existing medical condition with the My Travel Guard plan. It doesn’t have a medical questionnaire, either, since this plan can easily cover your pre-existing medical condition(s) if in one of these 3 ways:
If this sounds to good to be true, here’s how it works: The My Travel Guard plan is a trip cancellation plan that can include pre-existing medical condition coverage available to Canadian & US residents. Prices are based on your age, travel dates, purchase date versus departure date, destination & other factors. You are probably saying to yourself, “but I don’t want a trip cancellation plan. I just want medical coverage”. You are going to have to open up your mind to let this sink in: Yes, you are getting a trip cancellation plan, but unlike all the other ones you know about, this one can easily cover your pre-existing medical conditions even while you are on your trip. There are typically 3 prepaid trip costs a Snowbird can have:
If you are driving down south, your only opportunity to have a prepaid trip cost is lodging along the way. You can easily book a room, and pay for it on Orbitz, Expedia or Priceline. Make sure you get the My Travel Guard plan no later than 20 days after you book and pay for that room.You can view or dowload the policy details: |
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Our Snowbird Insurance plan does not punish you for your stable pre-existing conditions. In fact, there’s no health questionnaire to fill out. Look at what you can get:
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Want to see all the policy details? Click here to download or read the My Travel Guard Certificate of Coverage.
| “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’s 69 and I’m 67. 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 (an Insured person) which, within the 180 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. |
This Snowbird Travel Insurance plan has
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| If you insure a minimum trip cost of at least $1, the 180 day Lookback Period is the 180 days prior to the date you buy this Snowbird Travel Insurance plan. | If you do not insure a minimum trip cost of at least $1, the 180 day Lookback Period is the 180 days prior to your your departure date. |
Canada’s a fine place to live, except for the winters. Thankfully, your good neighbors to the south have some warm and sunny states. And they mostly speak a recognizable form of English. And, thanks to our politicians, the US Dollar has dropped in value.
Your only concern is medical insurance – Canadian plans keep going up in price while the benefits keep going down. Plus, they penalize you for following your doctor’s orders and faithfully taking your medications. Finally, if you make a claim they feel like you’re trying to cheat them.
Here’s what another Snowbird says:
| 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 |
The My Travel Guard Coverage & Available Upgrades:
| Color Chart Guide | ||
| Benefit | Included in My Travel Guard | Available Upgrades |
| Benefits | My Travel Guard | You can Upgrade your My Travel Guard to include any of these Benefits: |
| Eligibility: | • US or Canadian residents only | |
| Secure online order form link (you don’t pay extra fees using us) | My Travel Guard secure online purchase page | |
| Make sure you get these My Travel Guard plan Upgrades | • Additional Covered Reasons Upgrade (pre-existing conditions coverage)
• Medical Expense Upgrade • Hospital of Choice Evacuation Upgrade |
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| The Pre-Existing Medical Condition Exclusion Waiver | No coverage | Your deadline is your Initial Trip Deposit Date plus 20 calendar days or the date you pay your scheduled final payment |
| Pre-Existing Condition Lookback Period | 180 Days | |
| Emergency Medical (per person)
Travel Guard can guarantee the hospital payment |
$10,000 Secondary with $50 per incident Deductible | • $25,000, $50,000 or $100,000 with no Deductible • You choose primary or secondary coverage |
| Emergency Medical Evacuation / Repatriation (per person) | $100,000
Base plan provides evacuation to the nearest adequate medical facility |
• $1,000,000
“Hospital of Choice” – You can be medically transported home or to the hospital of your choice |
| Money Back Guarantee | 15 days | |
| Insurance Underwriter | National Union Fire Insurance Company – A Rated 2011 | |
| Trip Cancellation (per person) | Up to the insured amount | |
| Trip Interruption (per person) | 100% of Trip Cost | 150% of Trip Cost |
| Travel Baggage (per person) | $500 with $50 deductible secondary coverage | • $1,000, $1,500 or $2,500 maximum coverage
• No Deductible • Primary Coverage Upgrade |
| Travel Baggage Delay (per person) | $100 after 24 hours | • $200, $300 or $500 Baggage Delay (after 24 hours) |
| Travel Delay (per person) | 500 ($100 per day after 12 hours) | • $1,000 ($100 per day after 12 hours) |
| 24-hr Accidental Death & Dismemberment (per person) | No coverage | • $50,000 |
| Flight Accident Insurance (per person) | No coverage | • Choose from limits of $100,000, $200,000, $300,000, $400,000 or $500,000 of coverage for accidents that occur when travelling on a regularly scheduled or charter flight. |
| Travel Guard Assist (Non-insurance services provided through Travel Guard Assist) | LiveTravel – 24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more!
Live messaging – Relay of any e-mail or phone message to family, friends or business associates Emergency Cash transfers – Assistance in coordinating an emergency cash advance Pre-trip travel advisories – Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information all for your planned destination. Free Lost Baggage Tracking – Assists in locating lost or stolen possessions for one year |
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| Secure online order form link (you don’t pay extra fees using us) | My Travel Guard secure online purchase page | |
Here’s More About The My Travel Guard Upgrades
Medical Expense Upgrade – Waives the $50 deductible and increases the medical expenses limit of the base plan from $10,000 to either $25,000, $50,000 or $100,000. Also, offers a separate option to upgrade your medical expense benefit to Primary coverage.
Hospital of Choice Evacuation Upgrade – For medical emergencies, we will medically transport you home or to the hospital of your choice. Base plan provides evacuation to the nearest adequate medical facility. Coverage limit is also increased from $100,000 to $1 million.
Pre-Existing Medical Condition Waiver
(Only applies if Additional Covered Reasons Upgrade is purchased)
The Insurer will waive the pre-existing medical condition exclusion up to a maximum of the first $50,000 of Trip Cost per person if the following conditions are met:
- This plan is purchased within 20 days of making the Initial Trip Payment or by final payment;
- The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase, and the cost of any subsequent arrangement(s) added to the same Trip are insured within 20 days of the date of payment or deposit for any subsequent Trip arrangement(s);
- All Insured travelers are medically able to travel when plan cost is paid.
Baggage Upgrade – Increases the Baggage and Personal Effects limit to $1,000, $1,500 or $2,500 and waives the $50 deducible. Increases the Baggage Delay limit to $200, $300 or $400. Also, offers a separate option to upgrade your Baggage and Personal Effects benefit to Primary coverage.
Car Rental Collision Coverage – You have the option to purchase a maximum limit of either $35,000 or $50,000 in primary coverage. Subject to a $250 deductible. Covers collision damage to a rental car for which the car rental contract would hold you responsible.
Up to $500,000 Flight Guard – Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule.
Adventure Sports Coverage – Provides trip interruption, medical evacuation and medical expense coverage for losses caused by many adventure sports activities typically excluded in many travel insurance plans.
Accident, Interruption and Delay Upgrade – Increases the Trip Interruption benefit to 150% of Trip Cost. Increases Trip Delay to $1,000 ($200 per day) and adds $50,000 Accidental Death & Dismemberment coverage.
Additional Covered Reasons Upgrade – Includes Trip Cancellation/Interruption coverage due to Financial Default, Terrorist Incident and a waiver for pre-existing medical conditions up to the first $50,000 of trip cost. Also covers Trip Cancellation/Interruption due to involuntary job loss or layoff. For complete details of coverage refer to the Description of Coverage. (Must be purchased within 21 days of initial trip payment.)
Optional coverages cannot be purchased separately.
My Travel Guard’s secure online order form
| Home | $100,000 medical (to 365 days) | $250,000 (to 90 days) | $1,000,000 (to 90 days) | Annual | Top Up | Medjet | Lookback Period | What Other Canadians Say |
Easily Contact SnowBirdInsurance.com
SnowbirdInsurance.com - a division of TripInsuranceStore.com
Call Deanna, Becky, Tony or Steve at: 1-888-407-3854 (toll free) or 507-214-3854Office hours: (Eastern Time Zone)
Monday - Friday: 8:45 am - 9:30 pm
Saturday: We're usually here during the day
Sunday: We're usually here in the afternoon
We'll call you back if we miss your call
Email us here
Have Questions? or Ready to Buy? Call Deanna, Becky, Tony or Steve toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
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