Snowbird Travel
Insurance for Extended Stays

A snowbird is someone who travels to warmer climates when the weather turns cold in their home state. They are sometimes referred to as “seasonal travelers.”

In the U.S., snowbirds often migrate from northern states such as Michigan, New York, or Ohio to Florida, Arizona, Texas, or California during the winter months. Thousands of Americans follow this pattern every year to escape the cold and enjoy sunny weather.

Traveling is meant to be relaxing and enjoyable, but the unexpected can happen at any time. Medical emergencies, lost luggage, theft, and trip cancellations are more common than most people expect. You don’t want these events to ruin your vacation.

With Travel Insurance, you can be partially or fully reimbursed for unexpected travel-related expenses, including hospital stays, non-refundable tickets, stolen items, and other emergency costs. It’s best to purchase Travel Insurance as soon as you book your trip, since most providers won’t issue a policy once your travel has already begun.

Your snowbird insurance should cover emergency medical care and hospital visits in your destination state. It should also include medical evacuation back to your home state if needed. Some policies also offer coverage for pre-existing medical conditions, which can be a critical factor for retirees and frequent travelers.

Not always. Even if you have Medicare or a state health insurance plan, coverage may be limited outside of your home state. Costs for medical treatment in another state can be significant, and Medicare generally does not cover routine care outside of your state of residence. Snowbird Travel Insurance bridges that gap and protects you from costly medical bills.