Welcome to Travellers Choice, one of Canada's most popular snowbird insurance plans. Travellers Choice is the only plan in Canada to include a 30-day annual plan for most snowbirds. It offers $5 million CDN coverage and many other Deluxe benefits.
The #1 Choice for Snowbirds
- Rates are based on your age on the date you apply.
- Free 30-day annual plan.
- Rates are available for all trip durations from 9 to 365 days.
- No age limits and very low rates for persons age 80 and over.
- $5 million (CDN) per person of emergency coverage.
- Deluxe benefits - Choice of Deductibles.
- Excellent coverage for pre-existing conditions.
- Retiree Plans with limited lifetime maximums protected up to $100,000 (CDN).
- Risk free - 100% full refund if you cancel coverage.
- No administrative fees, no service charges and no doctor's letter.
- Refunds provided for unused days if you have not had a claim.
- Refunds processed the same-day your written request is received.
- Guarantee same-day service.
- Fully trained agents have direct contact with the underwriters.
- Same underwriter for over 10 years due to their exceptional claims service.
- No charge to replace lost wallet cards, income tax receipts or policies.
- Your policy and wallet cards will be mailed to you on the same day your application is received.
The Right Price - Low Rates
Comprehensive Coverage
The Best Refund Policy in Canada
Service, Service, Service
Travellers Choice Compared to the Leading Competition
| Plan Maximum | - Travellers Choice has $5 million CDN coverage per person per trip and offers deluxe benefits. | - $1 million and $2 million is low and this is why some of those plans charge extra to raise the maximum. |
| Coverage for pre-existing medical conditions | - Travellers Choice has 3 months for most medical conditions and 6-12 months for certain medical conditions. - Unstable medical conditions will be covered when you meet the stability period even if that occurs after your departure. |
- Some plans have pre-existing stability periods from 3 months. - Some plans insist your medical conditions meet the stability requirements on your departure date in order to be covered. |
| Discounts | - If you locked in with a $50 deposit by Sept. 15, you will receive our low Early Bird rates. -You get Travellers Choice's low rates when you use your VISA, MC or a cheque. |
- "Claims-free" discounts make you wait years before you save. -Some plans only accept cheques before giving a discount. |
| Top-up fees | - Travellers Choice has no top-up fee. |
- Some plans charge an additional fee if you top-up other coverage. |
| Endorsements | - Travellers Choice will never pay a snowbird organization to be endorsed. This helps keep rates low. | - Some endorsed plans have to pay a fee to the endorsing group. |
| Number of rate tables | - Travellers Choice has 5 rate tables that recognize variations in health. | - Some plans have few tables and some healthy people pay too much. |
| Trip lengths | - Travellers Choice allows you to only pay for the days you need. | - Some plans charge the same rate for different trip lengths. |
| Persons age 75 and age 80 | - Travellers Choice puts persons age 75 and 80 into a lower age bracket. | - Some plans put persons age 75 and 80 into a higher age bracket. |
| Age use to determine rate | - Travellers Choice lets you use your age on the date you apply. | - Some plans insist you use your age on your departure date. |
| When do you have to pay? | - Travellers Choice asks for $50 to lock-in & the balance 3 weeks prior to travel. |
- Some plans insist on full payment by early-mid Fall. |
| Paying with your credit card | - Travellers Choice rates are the same if you pay by MC, VISA or cheque. |
- Some plans charge 10% extra if you want to use a credit card. |
| Administrative fees | - Travellers Choice was the first plan in Canada to eliminate all fees. | - Some plans have as many as 8 different administrative fees. |
| Cancelling your policy | - Travellers Choice has no fees and you do not need a doctor's letter. | - Some plans charge a $50 fee. - Some plans require you to obtain a doctor's letter at your expense. |
| Protecting your retiree plan | - Travellers Choice will protect the first $100,000 of any retiree plan with a limited lifetime maximum. | - Some plans only protect the first $50,000 of any retiree plan with a limited lifetime maximum. |
