Snowbirds Frequently Asked Questions

No, Canadian residents must subscribe to insurance before leaving their province of residence. If you are currently outside your province of residence, please contact us so that we can offer you another travel insurance solution.
Yes, travel insurance can be extended if you meet certain eligibility criteria. Please refer to the conditions outlined in your insurance certificate and policy booklet. A request for an extension must be made before your policy expires. The decision to grant an extension is made based on past claims and provided that the global insurance coverage does not exceed three hundred and sixty-five (365) days.
Cancellation requests must be made before your policy comes into force. If a request is made within ten (10) days of the purchase date, there are no cancellation fees. All requests for premium refunds made after this ten (10) day period will be subject to varying fixed charges as per the insurance contract to which you subscribed. Please refer to the conditions outlined in your insurance certificate and policy booklet.
In the event of early return, you can request a single travel insurance premium refund provided that you certify in writing that you have not made any medical claims and do not have any pending claims that will be subsequently forwarded to the insurer. You must be back in your province of residence to make an early return claim. Refer to your insurance certificate or call an agent to find out the conditions related to your specific policy.
We must be notified of any change in travel dates five (5) business days before the initial departure date if the departure date is delayed; or five (5) business days before the new departure date if the new departure date precedes the initial departure date. If this change leads to the extension or shortening of the duration of your stay, the insurance premium will be adjusted accordingly and, as the case may be, the amount corresponding to the number of days added to or deducted from the duration of the stay will be credited or invoiced on the credit card initially used for the insurance purchase, if applicable. Should your insurance plan already be in effect when a change occurs to the return date, please refer to the applicable conditions regarding shortened or extended stays.
For single travel insurance contracts, the maximum coverage period you can subscribe to can vary, but in no case shall it exceed three hundred sixty-five (365) consecutive days. In order to obtain coverage for a period exceeding one (1) year, please contact our support center so we can recommend an insurance solution that meets your needs.
The age limit varies depending on the travel insurance contract you choose.
Insurance premiums are usually paid by credit card. In the event of partial or total reimbursement of the premium, the amount will be refunded to the credit card initially used for the insurance purchase.
In the event of a medical emergency during your stay, you must contact our support center before seeking care. The phone numbers are listed as an emergency card in your insurance certificate. Except for an act of God, a policyholder who does not call the support center before receiving treatment may have his or her coverage reduced, in which case some types of medical care or services might no longer be covered. In the case where, because of the nature of the emergency, you cannot communicate with the Support Centre before receiving treatments, you must ask someone to call for you, or you must call as soon as it is possible from a medical perspective.
If you require long-term hospitalization, the support center reserves the right to repatriate you to your province of residence to receive long-term care. Insurance will terminate on the date of your return to your province of residence. Such repatriation will, of course, only be carried out if your medical condition allows.
Any change in your medication or health condition can affect eligibility for your policy. It is very important that you contact your representative in order to create a new medical statement, to confirm whether or not you are still eligible for your contract, and to adjust the insurance premium based on the new statement if necessary.
Any change in your medication or health condition can alter your health status. It is very important that you contact your representative to have your situation reassessed and receive advice on appropriate coverage for the rest of your stay.