Every year in Canada, as the cold weather arrives, many people dream of being somewhere else. Somewhere warm and tropical where they can rest and relax on a beach. The reality is that this isn’t just a dream for many. Many Canadians migrate to warmer areas when the snow and frigid temperatures arrive. But how exactly do they do it? Luckily, we’ve got the top travel tips for new snowbirds and how you can become one.
What is a Snowbird?
“Snowbirds” is a term for people who leave behind the frigid cold winters of Canada and stay the length of the season in a warmer climate, such as Florida or Mexico. According to reports, more than 1 million Canadians travel to the US or Mexico during the winter months. If you’re looking to join many Canadians who do so, there are various things you must first consider. Unfortunately, becoming a snowbird is much more complex than packing your bags and heading on a plane. This is why it is crucial to be prepared!
Tips on Becoming a New Snowbird
1. Decide If You Need a Travel Visa
Wondering if you need a visa is one of the most commonly asked questions when people are looking to become snowbirds. Generally speaking, many people who migrate to a warmer climate tend to choose American destinations, such as Florida, California, or Arizona. Technically, you do not need a travel visa to become a snowbird. However, this comes with limitations. Even if you or a family member owns property in America, you can only stay there for six months without a visa. If you intend to stay longer, it is essential to research the country’s rules and regulations. This is because many differentiate between obtaining and using a travel visa.
Disclaimer: Canadians travelling to the U.S., especially for extended stays, should be aware that border and travel enforcement policies have been tightened recently and are subject to change without notice.
2. Do Not Cancel Your Car Insurance
If you plan on leaving your car at home while you’re away for a few months, cancelling your car insurance is not recommended. Car insurance companies will flag you and your vehicle for months that you go uninsured. These will result in higher rates when you decide to resume your policy. This is one of our top tips for new snowbirds to note.
Instead, you can save money by downgrading your insurance policy to stored or parked car insurance. Tell them you are looking to become a snowbird! Alternatively, a simple, basic, comprehensive coverage plan. If your car is damaged due to flooding or is involved in a break-in while you are gone, you will still be covered. At the same time, you won’t be paying the usual price of a complete coverage package while you are away.
3. What to Do If You’re Sick
In most provinces, you must reside in your home province for at least six months to qualify for health care insurance. In Ontario, you must be absent for no more than 212 days out of 365 or risk losing your coverage. A hospital stay in America can cost thousands of dollars, so purchasing the proper travel insurance before leaving is crucial to save yourself money. This is recommended because most provincial health care plans in America typically cover only the bare minimum in healthcare, and utilities, such as ambulances and hospital stays, are often not covered.
In addition to travel insurance, a reasonable precaution is to visit your family doctor and dentist to ensure everything is in order before you leave. It is also a good idea to make sure you are stocked up on your prescriptions, including eyewear. This will save you a lot of hassle if something happens while you are away enjoying the sun.
4. Contact Your Bank
Contrary to popular belief, contacting your bank is still a good idea before leaving on a long trip or getaway. Although financial situations are more complex when detecting fraud, staying safe remains paramount. Before you go, please notify your bank and credit card companies that you will be out of the country for an extended period. Nothing is worse than being on vacation only to realize your bank has locked one of your cards. Save yourself a shorter trip or a long phone call and inform the right people beforehand!
5. Keep Your Home Safe While You’re Away
All snowbirds should make sure their home is safe when left unoccupied. The last thing you want is to come home to a house that has been broken into. Luckily, isure has you covered with our tips to protect your home while you’re away. It is essential to remember that burglars tend to target unoccupied homes. This means having lights that can be turned on and off remotely to deter thieves at night, as well as sensor lights on your porch.
Another good idea is to have someone stop by your home periodically to check in. By having someone pick up mail and shovel your driveway, it will seem less likely that someone is away. Additionally, many home insurance companies will require someone to check in on your home occasionally while you are away. Please check with your insurance provider to figure out what to expect when you leave your home for an extended period.
Travel Tips for New Snowbirds: Conclusion
We hope these travel tips for new snowbirds are helpful if you’re looking to escape the cold this winter. As always, having proper insurance coverage in your absence will make your trip to a warmer climate much more relaxing. Please feel free to contact us or request a quote from us today.
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