rds
Snowbyrds researches travel insurance options for Canadian snowbirds and highlights the providers worth quoting. We explain important differences in plain language and connect visitors directly with the providers for quotes and coverage.
How Snowbyrds works
- 1Snowbyrds has already done the research and narrowed the field to a shortlist of providers worth quoting.
- 2You compare the featured providers or use Find Your Match to get a suggested starting point.
- 3You request a quote online or by phone, mentioning the Snowbyrds reference.
- 4The insurance provider handles the quote, application, eligibility decision, and policy issuance.
Who is behind Snowbyrds
Snowbyrds is operated by Ocean Sun Financial Group. Insurance is underwritten by the insurer identified in each policy and is subject to that policy's terms, conditions, limitations, exclusions, and eligibility requirements. Snowbyrds does not underwrite insurance.
How Snowbyrds Selects Providers
Snowbyrds compares providers using verified policy information and representative pricing. The insurer's official application and policy wording determine eligibility, price and coverage.
Emergency medical benefits and limits
We compare the maximum emergency medical coverage each provider offers, since a single hospital stay abroad can cost tens of thousands of dollars.
Rates for representative ages and longer trips
We look at illustrative pricing for travellers aged 55, 65 and 75 on typical snowbird trip lengths, so you can see how premiums compare.
Treatment of pre-existing medical conditions
We review how each provider handles pre-existing conditions, including stability periods, exclusion lists and medication-change rules.
Medical questionnaires, stability periods and exclusions
We compare the age at which a medical questionnaire is required, the length of stability periods and what each policy excludes.
Access to online quotes and emergency assistance
We confirm that each provider offers an online quoting portal and a 24-hour emergency assistance line for travellers already abroad.