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AIG's been in the news recently. Travel Guard is owned by AIG. Click here to read a letter from Travel Guard's President John Noel. And click here to learn more about Travel Guard's Financial Reserves. Canadian Snowbird Travel Insurance
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. Plus 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:
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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 |
Our Snowbird Insurance plan is called
"My Travel Guard":
My Travel Guard is an affordable, made to order travel insurance plan that allows you to choose the additional coverages and limits you want to meet your travel needs.
Want to see all the policy details? Click here to download or read the My Travel Guard Certificate of Coverage.
The My Travel Guard base plan automatically includes coverage for:
Trip cancellation, interruption and delay
Medical expenses and emergency medical evacuation
Lost, stolen or damaged baggage and travel documents
Luggage delay
The My Travel Guard Plan Covers:
Color Chart Guide |
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Benefit |
Included in My Travel Guard |
Available Upgrades |
Benefits |
You can Upgrade your My Travel Guard | |
Eligibility: |
US or Canadian residents only | |
Secure online order form link (you don't pay extra fees using us) |
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Money Back Guarantee |
15 days | |
Emergency Medical (per person) |
$10,000 Secondary with $50 per incident Deductible |
• $25,000 or $50,000 with no Deductible |
Emergency Medical Evacuation / Repatriation (per person) |
$100,000 |
• $1,000,000 |
Waive the Pre-Existing Medical Condition exclusion |
No coverage |
Your deadline is your Initial Trip Deposit Date plus 14 calendar days |
Pre-Existing Condition Lookback Period |
180 Days | |
Trip Cancellation (per person) |
Up to the insured amount | |
Trip Interruption (per person) |
Up to the insured amount | |
Travel Baggage (per person) |
$500 with $50 deductible secondary coverage |
• $1,000 or $1,500 and deductible is waived |
Travel Baggage Delay (per person) |
$100 after 24 hours |
• $200 after 24 hours |
Travel Delay (per person) |
$500 up to $100 per day after 12 hours | |
Renters Collision Insurance |
No coverage |
• $35,000 in primary coverage for collision damage to a rental car for which the car rental contract holds you responsible |
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. |
Insurance Underwriter |
American Home Assurance Company (2008 AM Best Rating A+) | |
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! | |
Additional MTG Upgrades |
• Hospital of Choice Evacuation Upgrade | |
Secure online order form link (you don't pay extra fees using us) |
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Here's More About The My Travel Guard Upgrades
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. This service will be arranged only if the Insured’s Physician determines that adequate medical treatment is not locally available;
Pre-Existing Medical Condition Waiver - The Pre-Existing Medical Condition Exclusion will be waived if the insurance is purchased within fifteen calendar days of the initial Trip payment. (Day one is the date the initial Trip payment is received.) This exclusion does not apply if Pre-Existing Condition Exclusion Waiver applies. In order to receive the Waiver of Pre-Existing conditions, the amount of Trip Cancellation coverage purchased must equal the full pre-paid non-refundable portions of all Trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver coverage. The Insured must be medically able to travel when they pay their plan cost. Applies to the first $50,000 of Trip cost per person.
Coverage for Terrorism & Financial Default - Covers trip cancellation or interruption benefits if a trip is cancelled due to a terrorist incident, financial default of a travel supplier. Upgrade only available if coverage is purchased within 14 days of initial trip deposit.
Adventure Sports Coverage - Provides trip interruption, medical evacuation and medical expense benefits for losses caused by many adventure sports activities typically excluded in most travel insurance plans. These activities include mountaineering, aviation, hang gliding, skydiving, parachuting, bungee jumping, snow skiing or snowboarding, spelunking, water skiing and jet skiing
At Your Service Upgrade - Provides access to a world of conveniences that will simplify and enrich your travel experience. Available 24/7, At Your Service can get you into exclusive restaurants, concerts and other places you want to be during your travels!
Cancel for Work Reasons - If you have purchased the Cancel for Work Reasons coverage will be extended for these additional Unforeseen circumstances if the Insured or a Traveling Companion:(a) is required to work during his/her scheduled Trip. He/she must demonstrate proof of requirement to work, such as a notarized statement signed by an officer of his/her employer; (b) company is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings. The Insured or Traveling Companion directly involved in one of the afore mentioned events and must be currently employed by the company that is involved in said event; (c) company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other Natural Disaster and the insured or traveling companion is directly involved as a Key Employee of the disaster recovery team. This coverage applies only if insurance was purchased within fifteen calendar days of initial Trip payment.
Cancellation for Any Reason - If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, the Insurer will reimburse the Insured for 75% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met:
(a) the Insured purchases the Cancel for Any Reason benefit within 15 days of the date the Insured's initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
(b) this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
(c) the Insured cancels the insured Trip not less than 48 hours prior to the departure date.
My Travel Guard's secure online order form
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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