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SpinDistribute.com Article Directory

The following article was published in our article directory on October 31, 2012.
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What You Need to Know About Snowbird Insurance

Article Category: Travel

Author Name: Jeff Desrochers

Snowbird insurance is a special type of travel insurance that was arguably coined by Canadians who move out of Canada during the winter months and into the United States, or any other country for that matter. The rationale for the same is that for one reason or another the cost of health care in the United States is at least 10x the price you would normally get in any medical facility within Canada. Enterprising citizens and|or residents therefore take out this type of insurance for the duration of their stay.

What Does Snowbird Insurance Cover?

The minimum requirement is that the same includes health and emergency benefits. Of course like any other type of insurance the included risks as well as the maximum coverage depend on the amount paid to the insurer. And to some extent on how good you are at negotiating. This includes but is not limited to:
- Hospitalization fee
- Medical check up
- Ambulance fee
- Medicine
- Recuperative procedures
- Necessary procedures
- Elective procedures
- Cosmetic procedures, purely for the same purpose is usually not covered unless specified.
- Other Factors to Consider

Aside from the covered risks, your personal and financial situation also dictates the rate of insurance. Some of the more important factors to consider are:
Credit scores: The higher the score the lower the chargeable rate
existing medical preconditions: The more preconditions you have the higher the premium rates.

Place of travel: There are places that are considered high risk, as such the premium rate also goes up.

Activities to be performed: Do not be surprised if the insurer or the travel agency representative inquires about what you will be doing. This is because if you plan to do something considered high risk, the premium rate also goes up. (i.e. skiing, white water rafting, dirt biking, etc.).

How to Get the Most Out of Your Snowbird Insurance Coverage?

The first thing you need to understand is be honest with your declarations. Remember, if you willfully fail to declare a material fact then the insurer can actually refuse to pay. Of course you have no control over your physical health nor can you change the destination of travel just because it is high risk. The best you can do is plan your itinerary, that way you can include on the coverage or exclude certain risks to augment other items.

Snowbird Insurance Questionnaires

This is the set of questions you will be asked to write or verbally relate to the authorized representative. There are of course certain insurers who will gladly skip the questionnaires but the same is only for specific reasons. Again, you need to answer everything to the best of your knowledge. However, knowing when to stop answering is also a very important trick to remember. For example, it is best to ask the representative how they define "pre-existing precondition" before you answer yes or no or fill out the blanks provided.

In Closing

Knowing how to negotiate with insurers is just as important as the particular insurer you will use. This is because you want to come out on top. Meaning you get the most coverage for the least amount of money.

Keywords: Travel Insurance, snowbird insurance, affordable, travel health insurance

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