Snowbird Advisor Insurance

Insurance for Canadian snowbirds, seniors and boomers

Snowbird Advisor Insurance is an insurance brokerage focused on the needs of Canadians who spend seasons outside their country, as well as seniors and boomers. Its offering combines travel, home, auto and RV insurance, plus coverage for stays in the United States, in a single point of purchase. The company presents itself as a specialized alternative to generalist brokers, with agents familiar with the profile of this audience.

The company is part of the Snowbird Advisor ecosystem, its parent, which describes itself as a resource for the Canadian snowbird community and has more than 100,000 members. According to the company's own account, it was the demands of those members—more tailored plans, better options for medical conditions that are difficult to insure and advisors with specific experience—that led to the creation of the brokerage.

Travel insurance with coverage for pre-existing conditions

Travel insurance is the core of the business. The company highlights a personalized travel medical insurance product that includes coverage for pre-existing medical conditions without a stability period and pricing tailored to each client. According to the site's details, the travel plan portfolio includes personalized travel medical plans, single-trip travel medical plans, annual multi-trip travel medical plans, top-up plans, trip cancellation and interruption insurance, vacation rental insurance and all-inclusive plans.

According to the published information, travel policies cover destinations in more than 170 countries and are designed for year-round needs: winter stays, summer travel, cruises and other trips. Coverage is not available for destinations with a Level 4 travel advisory ("Avoid All Travel") issued by the Government of Canada.

Home, auto and RV

Alongside travel insurance, the brokerage offers home, auto and RV insurance tailored to its clients' lifestyles. Home and auto insurance are arranged through VIU by HUB, a brand of HUB International Canada Holding Limited, which markets and personalizes quotes from several Canadian insurers. The parent company of that platform describes itself as Canada's largest personal insurance broker and has more than 25 years of experience; its service covers home and auto insurance needs in Alberta, Ontario and the Atlantic provinces, and offers home insurance solutions in British Columbia.

Advice, comparison and education

The company's approach is based on comparing options: it maintains that there is no single policy that works for everyone and that the right coverage depends on each person's travel habits, age and medical conditions. Its brokers help compare and combine coverages to balance price and protection.

In addition to sales, the company maintains learning centres on travel insurance and on home, auto and RV insurance, with tips, articles and videos designed to help understand the options and avoid purchasing mistakes. The company states that it is a member of the Travel Health Insurance Association of Canada (THIA) and adheres to the principles of its Travel Insurance Bill of Rights and Responsibilities.

Reviews and entity structure

The brokerage uses an independent service to request reviews from all its clients and publish ratings without filtering. The company named on the site is Snowbird Advisor Insurance Inc. Travel insurance is underwritten by Northbridge General Insurance Corporation and administered by Xodus Travel Services Inc. for sales, claims and assistance services. The company warns that certain terms, conditions, limitations and exclusions apply as set out in the policies, and that some products may not be available in all provinces.

Leadership team

Stephen Fine, LLB, is listed as President and Co-Founder. According to his biography on the site, he founded Cross Border Media in 2007 as a specialized media outlet, driven by his interest in travel and tourism.

Location and contact

Phone: 1-855-478-3490