Snowbird Coverage Duration Tool

For snowbirds

Work through your trip length, out-of-province limits and stability periods in one place.

Two different clocks matter for snowbirds. (1) Your provincial health plan limits how long you can be outside your province and still keep coverage — this affects your residency/eligibility. (2) Your travel-medical policy has its own trip-length limit and a stability period for any pre-existing conditions. The out-of-province day limits below vary by province and change.
Any pre-existing medical conditions (incl. managed/medicated)?

Educational only — not advice or a coverage confirmation. Out-of-province day limits and residency rules vary by province and change; travel-medical trip-length and stability-period rules vary by policy. This tool helps you think it through — it does not confirm your provincial eligibility or what any policy covers for you. Verify with your provincial health ministry and read your policy wording. Claims on a Sacraw policy are handled by TuGo; 1-833-SACRAW-8 is sales and information only.
Sacraw Financial — a licensed insurance agency regulated by FSRA.

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