At Travel Guardian Insurance, our travel health coverage provides protection for sudden and unforeseeable medical circumstances while traveling out of province.  Since accidents happen, the financial impacts of getting sick or injured on your trip and being forced to head home early can be significant.  Snowbird insurance is designed to cover you for these types of emergency medical expenses.

As an insurance broker, we offer many competitive snowbird insurance rates – especially for healthy travelers.  Travel Guardian Insurance will customize a coverage plan to fit your unique needs, even if you have pre-existing medical conditions.  Our team of insurance specialists are here to work with you to secure the protection you need at the best rate possible.  We have multiple medical plans to fit your unique needs in addition to optional coverages you may wish to consider.

Common Emergency Medical coverage benefits

Should you have a claim, it is important to understand your insurance policy.  Our plans include coverage for (but not limited to) the following:

  • Pre-existing medical conditions

  • A variety of stability options

  • Emergency medical treatment (i.e. hospital stay, physician services, etc.)

  • Transportation costs (i.e. ambulance to hospital, air evacuation to home country, etc.)

  • Prescription medicine costs for new drugs only (does not include existing/current prescription drugs)

  • Private duty nurse

Travel Insurance coverage options

The following insurance products provide peace of mind regarding financial loss or expenses associated with your travel plans or can offer remuneration in the event of death or a life altering dismemberment.

Insurance For Traveling Out Of Province

You may assume you are fully covered when traveling to another province, but it is important to know that universal coverage is not provided across Canada. Your provincial healthcare plan only covers you for specific medical expenses incurred in your home province or territory. Additional health insurance is strongly advised whenever you travel outside your home province.

Insurance For Traveling Out Of Country

If you are injured or become ill when traveling away from Canada, you are fully responsible to pay for any emergency medical services not covered by your provincial healthcare plan.

If you are a frequent traveler and taking multiple trips within a year, our multi-trip annual plan is a one-time purchase that allows you to travel freely while ensuring the coverage you need for each trip within any given year.  Save time (one application) and money (one cost) on your upcoming travel plans.

Do you need a top-up on your insurance?

You may need a “top-up” if you are traveling for longer than your existing insurance plan allows.  Our top-up option bridges the gap in your coverage so you remain protected your entire trip.


If you already on your trip and decide to stay for a few extra days, simply call for an extension on your insurance before your policy expires.

Cover costs for unexpected events or emergencies that come up before or during your trip.

Don’t let your lost luggage get you down.  Baggage insurance provides you with the essentials that you need on your trip.

All in one plan for your upcoming vacation.

Travel Insurance for Everyone.

Ready to get insured? In just a few steps, you can get a live quote and buy coverage online. Or, you can talk to our specialists and they will find you the best coverage at the best rate.