Thursday, September 3, 2015

Medical expenses at Sun Destinations - Mexico, Bermuda, Florida and California

Dear Canadian Snowbirds,

Are you heading down to Florida this winter?  If yes, please take a look at this case profile. According to RSA Travel Insurance, medical expenses in sun destinations could be thousands of dollars. Below is an example. 

Richard is an active 72 years old. Since his dignosis of high blood pressure and cholesterol, he still finds ways to balance his health all while enjoying the foods he loves.
Richard and his wife Elizabeth were already aware of the importance of travel insurance, but when Richard was caught off guard by his first ever stroke while between sailing outings, it just confirmed what they already knew - they could not afford to leave home without it.

by the courtesy of our partner RSA

 First step to take out the right travel insurance plan is to know your health and ask questions. We are here to help.  Contact or call us at 1-888-298-6526(Toronto)/1-888-267-4461(Vancouver)



Tips for US-bound Canadian Snowbirds.

Summer is over but that's all right. Let's get ready for your winter vacation.

Here are some tips from CBC US-bound Canadian Snowbirds. 
Q.How long can Canadians stay in the U.S.? 
A. Maximum 182 days during a 12 month period.

Q. How long can a Canadian stay in the U.S. without paying U.S. taxes?
A.  The America Internal Revenue Service (IRS) has a form that may allow you to spend the full 182 days in the U.S. without paying U.S. income tax.  Please refer to Substantial Presence Test of IRS to see if you're deemed to be a U.S. resident for tax purposes.

Q. How long can snowbirds be away from Canada and keep their provincial health insurance?
A. B.C., Manitoba, Ontario and Nova Scotia require at least five months of residence in the province to maintain your eligibility. Newfoundland and Labrador requires four months. Some provinces allow longer absence when pre-approved.

Q. What are the rules for snowbirds buying supplemental travel health insurance?
A. The key is to know your health and understand the exclusions of coverage including limitations on pre-existing conditions.

Q. How can snowbirds maintain their home insurance coverage in Canada while they are away?
A. It depends the individual policy. Some insurers require policy holders to have someone competent to regularly check the property.

Shopping for travel insurance is tiring.  Let us help you in choosing the right plan for you insurance needs.
 To inquire about travel insurance, contact or call us at 1-888-298-6526(Toronto) /1-888-267-4461(Vancouver).

 To access to the full story, please visit CBC website.