Snowbird Protection Checklist

Travel, home and auto insurance should never be considered as “get it and forget it” products. This is especially true for snowbirds. Along with changing protection needs, there could be limitations in place, or conditions that must be adhered to for coverage to be valid.

Take time to confirm your insurance requirements, the terms and conditions of your policies, and your responsibilities. It can be a costly mistake to assume you’re covered. If you have questions, check with your insurance provider before you leave for vacation!

Auto Insurance

  • Contact your insurance company. Let them know how long you’ll be in the U.S., and where you’ll be staying.
  • Consider increasing your liability limit on your auto insurance. Claims in the U.S can be expensive due to exchange rates, higher damage awards and increased lawsuits.
  • Depending on how much time you spend living in your RV in the United States, it may be considered a home as well as a vehicle, and therefore in need of special coverage. Check with your insurance provider for direction.
  • A vehicle registered and insured in Canada, but left in the U.S. on a permanent basis may require separate coverage from an American insurance company. It’s best to check with your insurance provider.
  • You’re renting a car, and you decline the rental company’s collision damage waiver because your credit card provides insurance. But are you covered for “Loss of Use”? If not, and it takes four weeks to repair a damaged car, you could be forced to pay a four week rental, while the car was not in use.
  • A rental car safety tip from Sergeant Bob: Make sure the rental car has no identifiable markings. To a potential thief, nothing says “tourist” like a rental company sticker on the back of your car!

We welcome travellers who are not yet members of CARP!

A national, non-profit organization, “CARP advocates for better health care and financial security for Canadians as we age and gives its members access to great benefits and discounts”. To learn more about CARP, please click the CARP logo at the top of this page.

As CARP’s recommended and trusted provider since 1993, The McLennan Group Life Insurance Inc. is a 100% Canadian owned, nationally licensed all-lines brokerage. And we’re 50-plus insurance specialists. So even if you’re not a member of CARP, call us at 1.877.566.1417 and we’ll work to offer a coverage solution for your needs.