Snowbird Travel Insurance Plans & Quotes | AMA Travel

Travel Medical Coverage Designed for Snowbirds

Travel Medical Insurance Benefits For Snowbirds

Travel Medical Coverage Designed for Snowbirds

Love heading south for the winter? Whether you do weeklong trips or stay all season, we’ve been providing peace of mind for over 35 years. Our travel medical insurance has no age limit, the Medical Questionnaire is quick and easy to complete, and we cover stable pre-existing conditions.

Snowbird Travel Medical Insurance Benefits

With AMA you get:

  • Emergency medical and dental treatment up to $5 million
  • Flexible deductible that can save you up to 45% off your premium
  • Automatic extension of coverage if your return home is delayed
  • Worldwide access to our assistance helpline 24 hours, 7 days a week

What to learn more about Travel Insurance?
Join us at our free Information Sessions. 
CAA/AMA members always save 10%

Why Choose AMA Travel Insurance?

  • No age limit (many credit cards have a limit of 65)
  • Simplified questionnaire only takes 2 minutes to complete
  • We cover pre-existing conditions if health stability criteria are met
  • Direct-pay claim settlements in most cases, so you don’t pay out of pocket

More Coverage Options for Snowbirds

Top-Up Your Policy

  • If you decide to extend your trip on the go, we make it easy for to Top-Up your insurance coverage already in progress.

BounceBack Insurance

  • Bounceback Insurance reimburses you up to $2,000 for round trip transportation expenses in the event of an immediate family member or housing emergency back home.

NOTE: You can only request top-ups before your current trip days expire and, when you have not made or intend to make a claim. Note: If you are age 55 and older, you’ll also need to complete the Medical Questionnaire again, which we can do over the phone with you.

Top-Up your Policy or add BounceBack Insurance by contacting an AMA travel insurance specialist at 1-866-989-6595.

Frequently Asked Questions – Snowbird Insurance

Have more insurance questions? Contact a travel insurance specialist.

Am I eligible?

Travel medical insurance coverage is available if you:

  • Are an Alberta resident
  • Are insured under a valid Canadian provincial or territorial government health insurance plan (GHIP)
  • Meet the eligibility requirements and plan qualifications
  • Purchase the policy before you have left Alberta

You are not eligible for any policy coverage if your trip is booked or undertaken:

  • Contrary to medical advice
  • While you require kidney dialysis;
  • After receiving a diagnosis of terminal illness with less than 6 months to live
  • If you have ever had an organ transplant (except cornea transplant)
  • If you have been diagnosed with and/or received medical treatment for metastatic cancer in the last five years
  • If you have been prescribed or taken home oxygen for a lung condition in the last 12 months
Doesn’t my Alberta Health Care cover me when I travel in Canada?

While you’re covered for medical services in Canadian provinces and territories outside of Alberta, things like ambulance, air ambulance, return of vehicle, return of deceased, family transportation to bedside, emergency dental, eye glass or hearing aide replacement are not covered by Alberta Health Care. It is important to note that Quebec does not have the same reciprocal billing processes for Alberta Health Care expenses such as hospitalization, doctors, x-rays, and more, so additional travel insurance coverage is recommended.

Outside Canada: AHC pays $100 CND / day for hospital expenses and $50 CND / day for out patient care

Learn more about medical insurance coverage for out-of-province trips within Canada

Does it matter how long I travel outside of Canada during the winter?

Your Alberta Health Care coverage allows you to be out of Alberta for up to 183 consecutive days. But, if you intend on being away longer than this, you’ll need to get their approval so make sure to call Alberta Health Care directly before your winter away from home.

Do I have to answer a Medical Questionnaire to get coverage?

Travellers age 55 and older are required to complete a Medical Questionnaire to be eligible to purchase most coverages. This will determine the premium for your personal needs.

View AMA’s Medical Questionnaire

What are the health conditions that might not be covered?
  • Age 54 and under: Any sickness, injury, or medical condition that is not stable in the THREE months prior to each departure date. Includes lung conditions treated with Prednisone.
  • Age 55 – 69: Any sickness, injury, or medical condition that is not stable in the THREE months prior to each departure date.
  • Age 70 and over: Any sickness, injury, or medical condition that is not stable in the SIX months prior to each departure date.
How do I ensure any eligible claims won’t be denied?
  • Read and fill out the Medical Questionnaire carefully. If you forget to note down a certain health condition, this could render your Policy void. Remember: Even long-term and unused prescriptions must be disclosed. See medical questionnaire.
  • Be aware certain claims aren’t covered. These include planned procedures (e.g. back surgery in the U.S.), routine checkups, or unstable pre-existing health conditions (e.g. heart attack a month before departure).
  • Policy purchased too late. A travel insurance policy is not valid if you purchase it after you have left on vacation or if an injury/illness has already happened.
What’s covered under the different travel insurance packages?

Medical Plans Multi-Trip Medical Plan Single Trip Premium Package Annual Premium Package
Emergency medical care up to $5 million CAD
Medical Repatriation
Return of Remains
Non-medical Emergency Evacuation
Medical follow-up in Canada
Trip Cancellation and Interruption

Flight and Accident Insurance

Baggage Loss and Damage

Rental Vehicle Damage

Unlimited trips outside Canada throughout the year

Unlimited trip days within Canada for the year

If you need help choosing the coverage that’s right for you, contact an AMA travel insurance specialist at 1-866-989-6595.

Still have questions?

For all travel insurance answers, contact us at 1-866-989-6595 or review the Travel Insurance Policy Booklet.

Existing Travel Medical Insurance Holders

To Submit a Claim or receive emergency support:

Emergency Hotline: 1.855.330.8330 in Canada and mainland U.S. +1.519.988.7039 collect from anywhere else.
Email if calling is not possible:

For More Questions contact AMA Travel Head Office or visit one of our 17 centres across Alberta
10310 G.A. MacDonald (39A) Avenue NW
T6J 6R7
Edmonton, Alberta, Canada
Tel: 1-866-989-6595