Fall is in the air and Snowbirds across Windsor and Essex County are starting to plan their extended winter getaways. These long term trips are what many of us look forward to in retirement, but the preparation can be quite stressful.
There’s an incredible organization to help Snowbirds travel with confidence – The Canadian Snowbird Association (CSA). Whether you’re travelling for a few weeks or for the entire winter, they have many resources to help make your trip easier.
The CSA offers support and advice on healthcare, documentation, duration advice, organizing finances, home security tips and more.
There are two factors we at Gibb Insurance Brokers would like you to consider while travelling for an extended time this winter:
It’s very important to advise your insurance broker if you are spending an extended amount of time with your vehicle south of the border. You do not want to find out after an accident that you are not fully covered, as some insurance companies have rules about being the U.S. for an extended period of time.
Another important consideration is increased liability coverage. In general, Americans are more likely to proceed with a lawsuit and their courts generally deliver higher awards than Canadian courts. Unfortunately, there also seems to be a bias in American courts against ‘foreign’ defendants, resulting in higher judgments against non-American defendants.
If you plan on leaving a Canadian registered vehicle in the U.S. for more than a year, you will require proper U.S. vehicle registration. Canadian auto insurance is not applicable on vehicles left in the U.S. for an ongoing basis, so you’ll need separate coverage from a U.S. based insurance broker.
Travel Medical Insurance
It’s so very important to fully understand your provincial health plan’s limits and your travel insurance’s benefits before purchasing travel medical insurance and leaving on vacation. The average cost of a medical emergency for Canadians in the U.S. is $26,000 while the cost of six months of insurance is typically less than $1000, so good coverage is an absolute necessary part of extended travel for seniors.
It’s also important to know your options for extending, cancelling or refunding travel medical insurance policies. Travel can be unpredictable; if you want to extend your trip, cancel or return early, you need insurance coverage that is flexible.
There are many options of travel medical coverage available, and it’s essential to be fully confident and informed. We advise sitting down with an experienced broker to discuss your options.
For more information on car or travel medical insurance for senior ‘Snowbirds’, please do not hesitate to call our office. We’d be pleased to help you. 519-736-8228.