Travel Insurance For Snowbirds - 3 Tips For Choosing The Right Coverage

Travel Insurance For Snowbirds - 3 Tips For Choosing The Right Coverage

A snowbird is a person - usually a retiree or a business owner - who can afford to be away from home for a long period of time. Most have homes in warmer locations than where they live in the summer. Meanwhile, others travel with their homes in the form of a camper, boat or an RV. While historically snowbirds have been relatively wealthy folk who could afford multiple residences, these days people of a wide range of economic backgrounds follow this practice each winter.

Most snowbirds generally hail from the U.S. Northeast, U.S. Midwest or Canada. They tend to travel to places like Florida, Arizona, California, and Florida - as well as to Mexico, the Caribbean, Australia and New Zealand.

Snowbirds are a special breed. They are much like their namesakes, the migratory birds who fly south each winter to seek warmer climes. However, in addition to reasons having to do with the weather, snowbirds have another reason to travel south: to seek adventure and companionship in favorite, far-away locales.

If you are looking for travel insurance for snowbirds, here are 3 tips for getting the cheapest rates:

1. Consider which types of insurance you will be needing:

Travel can take on many forms, especially when it is for long periods of time such as the type of travel that snowbirds undertake each year. And, the available types of travel insurance coverage for snowbirds also vary greatly. Consider whether you will need travel, medical, trip cancellation, emergency medical, or multi-trip emergency insurance coverage - or maybe a combination of each of these.

2. Consider all-inclusive coverage:

When your coverage needs span multiple categories, you may want to consider all-inclusive coverage. Depending upon the policy you select, this type of coverage can include emergency medical, trip cancellation, trip interruption, baggage loss/delay, accidental death & dismemberment, and more.

3. Compare rates from at least 3 different companies:

Be sure to shop around with at least 3 different companies before deciding upon a single insurance provider. As you shop, make sure you ask for identical coverage types and limits from each insurance company so that you can get an apples-to-apples comparison.

Consider these 3 tips as you choose the right travel insurance for snowbirds.

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