Snowbirds & Travel Insurance Explained
Kerri Westenbergat from the Star Tribune recently started a conversation with our Director of Customer Service, Mike Griffin, about the potential options for snowbirds looking for travel insurance as they head south for the winter. She felt there are three problems with insuring this type of trip. Mike was able to explain the intricacies of plans and policies and how to get snowbird travel insurance.
Can I Insure My Snowbird Trip?
Most travel insurance plans are designed to protect vacations or trips that fall within a window of 2 – 30 days. As you may or may not know, the longer a trip, the smaller the number of available plans. But that doesn’t mean you are without a solution, so please do not lose hope!
Snowbird Travel Insurance & Return Dates
When examining coverage options for snowbird trip insurance, there are a few key factors to keep in mind. First, The uncertainty of your return date that can throw a wrench into things.
“You’ll be required to give travel dates when requesting a travel insurance quote,” Griffin shared. “And for some snowbirds, that could be a problem. Often times they return when the weather is better, and don’t necessarily have a commitment to a set date.”
The good news is that you can return earlier than the insured date! If you know for a fact that you will be home for your granddaughter’s April 25th birthday, then use that as your return date. However, if you plan to travel to a vacation home you own or share, there are other items to consider.
Mike continued to add, “Oftentimes we see customers travel to a “second-home”, a condo, or a timeshare. This can be complicated and possibly not insurable by travel insurance. However, travel medical plans, lost or delayed baggage concerns and insuring costs of flights may still be an option.”
Leveraging baggage benefits and flight cancellation coverage can be very helpful, especially when traveling to and from. You may also want to consider a travel medical policy if your regular health plan won’t cover you or if you travel out of the country. These additional options can help you craft your own custom snowbird travel insurance.
As always, you should talk to an InsureMyTrip licensed travel insurance expert to see what plans are available for your unique trip. Now get out there and dodge those snowflakes!