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Escaping the Canadian winter for warmer weather is a dream many Snowbirds look forward to every year. But before you trade snow for sand, it’s important to make sure your home, health, and insurance are properly taken care of. HUB Customer Central has compiled key steps to help you relax and enjoy your time away, knowing everything back home is secure.

Manage Your Mail & Subscriptions

• Forwarding mail is essential, but not all correspondence can be forwarded. Financial statements, legal notices, and tax documents often require special arrangements.
• Contact your bank and investment firms directly to update your address for the winter.
• Cancel or pause newspaper and magazine subscriptions.
• Ask a trusted friend, neighbour, or relative to check your mailbox weekly, some critical items may still be delivered locally.

Protect Your Home While Away

• Review your home insurance policy. Many insurers require a responsible adult to check in regularly while you’re gone.
• Ask your house-checker to keep a written log of visits and take photos or videos when possible. This documentation can help in the event of a claim.
• Consider smart home technology: Wi-Fi thermostats, water leak detectors, and security cameras can provide added peace of mind.
• Unplug small appliances and turn off your water supply to reduce the risk of damage.

Vehicle Insurance Considerations

• If you’re leaving a vehicle behind, you may be tempted to switch coverage to fire and theft only, but if you lease or financing agreement, most lenders require full coverage at all times.
• If you decide to suspend certain coverages, speak with your insurance advisor first to ensure you stay compliant and properly protected.

Plan for Out-of-Province Medical Emergencies

• Research local hospitals, clinics, dentists, and pharmacies near your destination before you travel.
• Share this information with your travel companions and keep it in your wallet and phone.
• Carry copies of your travel insurance policy and ensure your companions know how to access it.

Secure the Right Travel Insurance

• Every traveller is unique, and so are their needs.
• A thorough conversation with a travel insurance professional ensures you’re covered for medical emergencies, trip interruptions, lost baggage, and more.
• Confirm if your policy covers pre-existing conditions, as exclusions vary.

Extra Peace-of-Mind Tips

• Set timers on lights to give your home a lived-in look.
• Arrange for snow removal or lawn care to keep your property looking well-maintained and occupied.
• Let a neighbour know your travel dates and provide them with your emergency contact information.
• Carry both digital and printed copies of important documents (passport, insurance, emergency contacts).

Snowbird getaways should be all about enjoying the sunshine and warmer days, not worrying about your house, vehicle, or insurance. With the right preparation, you can safeguard what matters most and head south with confidence.