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SnowbirdInsurance.com's travel insurance plans are not top-up plans - You have to cover the entire length of your trip from the date you leave home until the date you return home.
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Important Information:
- You can't change your coverage dates after you leave on your trip. Your coverage dates must match the exact dates you are away from home.
- The AIG My Travel Guard 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. SThe insurance company may pay the medical claim directly, but it's on a case-by-case basis.
- The AIG My Travel Guard plan has a 180 pre-existing conditions Lookback Period
- Want more information? You can email us here
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Call Toll Free: 1-888-407-3854 or 507-214-3854 (US & Canada). Mon - Fri: 8 am - 9 pm; Sat, Sun & Holidays: 10am - 5pm Eastern Time
SnowbirdInsurance.com was created with the intention of making sense to Canadian Residents traveling outside Canada who need good travel health insurance.
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Why is Your Trip Cost Important?
The price of travel insurance is based on three factors:
- Your age(s)
- The length of your trip - A trip is defined as the entire time you are away from home. You have to cover from the day you leave home to the day you return home.
- Your total prepaid, non-refundable costs
Your trip cost becomes important when you want to waive the Pre-Existing Medical Condition Exclusion for medical treatment, trip cancellation, trip interruption.
You have to insure at least your trip's full prepaid, non-refundable cost (you can't round it down). If you don't know your final trip cost, estimate it high to be safe. You can always lower to the correct trip cost prior to your departure date. If it drops you to a lower trip cost range, you'll get a partial refund. and The person (including non-traveling family members) with the medical condition has to be medically stable when you get your insurance and You must get your travel insurance in the first 14 days after you make your first trip payment and You have to cover your trip's full length. This includes the date you leave homethrough the date you return home
If you're driving down to the USA, you can establish an initial trip deposit date by prepaying a trip cost (ie - hotel reservation) before you leave. You have to actually prepay it (sending a cheque is best). Just giving a credit card number isn't sufficient because the card typically isn't charged until your checkout.
You must insure all the prepaid, non-refundable trip costs that you know you'll eventually pay for your trip if you want to insure pre-existing conditions with travel insurance. You need to cover your trip by the plan's deadline. You can not insure your trip partially and increase it along the way. |
Here's what are typically not prepaid, non-refundable trip costs:
- Lodging costs that aren't subject to cancellation penalties
- The cost of meals
- Day trips, excursions and other side trips you arrange while traveling
- The cost of souvenirs, gifts, or other items you expect to buy on your trip
- Rental cars
Click here to download or read Travel Guard's Cruise, Tour & Travel Certificate of Coverage
Click here to go directly to Travel Guard's Cruise, Tour & Travel online quote and purchase page
Contact SnowBirdInsurance.com
SnowBirdInsurance.com - a division of TripInsuranceStore.com
PO Box 466
Owatonna, MN 55060
Toll free (US & Canada): 1-888-407-3854
Local: 507-214-3854
Office hours: (Eastern Time Zone)
Mon - Fri: 8 am - 9 pm
Sat, Sun & Holidays: 10am - 5pm Eastern Time
Email us here
Have Questions? or Ready to Buy? Call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
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