This Page's Content Was Last Updated: March 13, 2024
For many Canadian retirees, the allure of the snowbird lifestyle — temporarily migrating to warmer climates during the winter months — is as irresistible as the call of the loon. The idea of trading in cold, snowy weather for sun-soaked beaches and pleasant temperatures is not only a wishful notion but an actual reality for thousands of snowbirds each winter. However, making this seasonal migration successful requires thoughtful planning and a comprehensive understanding of the lifestyle's many facets.
If you're considering a stint as a Canadian snowbird, this guide covers everything you need to know to turn your seasonal escape into the adventure of a lifetime, including the benefits, challenges, and practical considerations involved in living as a snowbird in the USA and Mexico.
- Check your destination’s visa requirements to know how long you can legally stay in the country, and what you will need to do to satisfy entry requirements.
- It’s a good idea to purchase travel insurance to cover medical emergencies, as your provincial health insurance may have limited coverage outside Canada.
- Prepaid plans provide a cheap way for snowbirds to stay connected without committing to a lengthy mobile contract, while eSIMs can be affordable for those who just need data.
- If you’re looking to purchase property abroad, look for programs such as cross-border mortgages in the U.S., as it can make it easier to qualify for a mortgage.
- Use your Canadian credit history
- No pre-payment penalty
- Save up to $4,500 USD on closing costs on U.S. mortgages42
Visa and Entry Requirements
Understanding the visa procedures and duration you can stay is important for any snowbird. For shorter stays, you may be able to visit without applying for a visa; however, if you plan to stay longer, a visa or extension application could be necessary. Below are the visa requirements for some popular snowbird destinations for Canadian citizens. If you are not a Canadian citizen, visa requirements may vary depending on the passport that you hold.
United States
Most Canadian citizens can enter the United States visa-free and stay for up to six months, or 182 days, at a time. This means that you can reset your stay by returning to Canada, which then allows you another six-month period in the United States without requiring a visa.
If you need to extend your stay beyond six months at a time, you will need to request an extension of stay with the US Citizenship and Immigration Services (USCIS) by filling out an Application to Extend/Change Nonimmigrant Status (Form I-539). USCIS recommends that you make your extension application at least 45 days before the end of your original authorized stay.
Mexico
Canadian citizens do not need a visa to travel to Mexico and can stay visa-free for up to six months (180 days). However, you will be required to complete a Mexican tourist card, Forma Migratoria Múltiple (FMM). This is your proof of entry into Mexico, and you will need to have it to leave Mexico at the end of your stay.
You will get your tourist card at the port of entry. You may also obtain it online if you’re arriving by air with the Electronic Multiple Migratory Form for Air Travel (FMME Aérea). It will need to be printed out in advance so that it can be stamped at your arrival airport.
Mexico Entry Requirements:- Obtain a tourist card or digital tourist card, unless staying for less than 72 hours in the northern border zone
Europe (Schengen Area Countries)
Canadians can visit Schengen area countries in Europe without a visa for up to 90 days in any 180 day period. This means that leaving will not reset the 90-day limit within any 180-day period. Starting in 2025, Canadians will also need to apply for an online ETIAS visa waiver. If you’re looking to stay for more than 90 days, you will need to get a visa.
Schengen area countries include Austria, Belgium, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland. You can travel visa-free between these countries for up to 90 days in any 180-day period.
Costa Rica
Canadians can visit Costa Rica without a visa for up to 180 days at a time. You cannot request an extension of this 180-day limit.
Costa Rica Entry Requirements:- Have US$100 per month of stay
- Return or onward ticket to exit Costa Rica
Panama
Canadians can visit Panama without a visa for up to 180 days at a time. You must leave Panama for at least 30 days in order to stay in Panama for another 180 days. You will also need to change your residency status.
Panama Entry Requirements:- Have US$500 in cash or credit card
- Obtain an entry stamp
- Return or onward ticket to exit Panama
Cuba
Canadians are required to obtain a visa, or tourist card, that grants stays of up to 90 days at a time. You can extend the stay in Cuba for up to 6 months. Canadians who have booked a vacation package or flight will generally have a tourist card included, but you can also obtain your own tourist card from a Cuban government office in Canada or certain airports.
Cuba Entry Requirements:- Complete the Cuba D'Viajeros Travel Form within 48 hours of departure to Cubad
- Show proof of health insurance, such as a Canadian provincial health insurance card
- Return or onward ticket to exit Cuba
Healthcare is a top concern for any traveller, but it’s especially critical for retirees. Many snowbirds opt to purchase travel insurance with comprehensive medical coverage to assure peace of mind in case of emergencies.
Medipac Travel Insurance
Endorsed by the Canadian Snowbird Association, Medipac Travel Insurance offers extensive insurance coverage that even covers many stable pre-existing conditions, regardless of age.
Some benefits include coverage of up to $5 million USD, including COVID-19 coverage, accidental death insurance, relocation and return to Canada benefits. Single-trip coverage is available for trip lengths of 1 day up to 212 days, while you can buy an annual add-on for unlimited trips in a year of up to 23 days or 33 days each, perfect for frequent travellers.
Deductible options include a zero deductible, $99, $1,000, $5,000, and $10,000. Rates start from $215 for a 41-50 day trip with a $99 USD deductible for those under the age of 55.
Manulife
Manulife offers a variety of single trip and multi-trip travel insurance plans. Its single-trip COVID-19 pandemic travel plan covers up to $5 million CAD in emergency medical costs unrelated to COVID-19 and up to $1 million for costs related to COVID-19. This coverage increases to $5 million if you have been immunized.
TD Insurance
The TD Insurance Single-Trip Medical Plan covers up to $5 million for medical costs such as physician and hospital bills, ambulance services, accidental dental coverage, and the cost of emergency return home. It doesn’t cover pre-existing conditions that are not stable.
RBC Insurance
RBC Insurance is unique in that its TravelCare Medical (Gold) plans offer unlimited coverage for emergency medical costs, compared to other insurers that may have a limit up to $5 million. However, multi-trip annual plans offered have a shorter duration of up to only 16 days at a time.
AIG Travel Guard
American International Group (AIG), one of the world's largest insurance organizations, offers comprehensive travel insurance plans for snowbirds. Their policies cover emergency medical expenses, trip cancellation/interruption, baggage loss/damage, and more. With AIG Travel Guard, you can choose between a single-trip plan or an annual multi-trip plan for those planning to take multiple trips in one year.
Travel Guard’s Gold Emergency Medical Plan covers emergency medical expenses up to $10 million.
Your provincial health insurance plan may provide some coverage outside Canada, but it may not cover all expenses. Moreover, depending on your destination, healthcare costs can be exorbitant and can exceed your provincial health insurance coverage cap or what would normally be covered in your province.
Medical care in some countries, such as the United States, can be expensive without insurance. In case of any medical emergency, travel insurance with comprehensive medical coverage can help alleviate financial burdens and ensure you receive the necessary care.
For example, OHIP will pay up to $400 CAD per day for emergency inpatient services in an operating room, ICU, coronary care, neonatal, or pediatric special care unit, or $200 CAD per day for lower levels of care. According to Debt.org, the average cost of a hospital stay in the United States is $2,883 per day. You will be on the hook to pay the difference between what your provincial health insurance covers and the cost of your medical services.
Comprehensive Coverage
The most all-inclusive option, comprehensive travel insurance typically covers emergency medical care, trip cancellation/interruption, and baggage loss/damage. It may also include coverage for pre-existing conditions.
Emergency Medical Coverage
You can opt for emergency medical coverage only. This type of insurance is typically cheaper but doesn't cover other potential travel expenses.
Trip Cancellation/Interruption Coverage
If you're concerned about cancelling or cutting short your trip due to unforeseen circumstances, such as a medical emergency or severe weather, trip cancellation/interruption coverage can provide financial protection.
Baggage Coverage
Lost or damaged baggage can be a major inconvenience and expense. Baggage coverage can reimburse you for the cost of replacing essential items or damaged belongings.
Pre-Existing Conditions
If you have a pre-existing medical condition, make sure to read the policy carefully to understand if it's covered and any restrictions or limitations that may apply. If your plan covers pre-existing conditions, it may have to be stable for a certain period of time before your trip.
- Compare policies from multiple providers to ensure you're getting the best coverage for your needs.
- Consider purchasing an annual policy if you plan to travel frequently throughout the year.
- Read reviews and ask for recommendations from other snowbirds who have experience with travel insurance.
- Be honest about any pre-existing conditions when applying for insurance to avoid potential issues with claims in the future.
- Understand the coverage limitations and exclusions of your policy, such as age restrictions or maximum coverage amounts.
- Double-check the policy's fine print to ensure it covers the specific activities and destinations you plan to visit.
- Keep a copy of your insurance information easily accessible while traveling in case of emergencies.
The top destination for Canadian snowbirds continues to be the United States, according to a survey commissioned by CIBC. That’s split between 34% of U.S.-destined snowbirds heading to the Southeastern states of Florida, Georgia, and South Carolina, while 14% heads to the Southwestern states of Arizona and Texas, and 10% to the Western states of California and Nevada. 7% head off to Hawaii.
Beyond the United States, a considerable portion heads to Mexico, Central America, and South America, at 24%. The Caribbean welcomes 14% of snowbirds, while Europe is a winter home for 14% of snowbirds.
Staying connected while abroad is essential for many snowbirds, whether it's to keep in touch with loved ones back home or for emergencies. Purchasing a SIM card and phone plan in your destination country can be an affordable option for staying connected rather than relying on expensive roaming charges.
Prepaid Plans in the U.S.
Just like Rogers, Bell, and Telus in Canada, there are three major mobile providers in the United States: AT&T, Verizon, and T-Mobile. These companies offer various plans for voice, data, and messaging services that cater to different needs and budgets. For snowbirds and occasional visitors to the U.S., purchasing a prepaid plan can be a more cost-effective option.
AT&T Prepaid
AT&T Prepaid offers several no-contract plans that include unlimited talk and text. Perhaps the best prepaid plan for snowbirds frequently travelling between Canada and the United States, AT&T’s unlimited data plan costs $40 per month with autopay, making it a competitive option for snowbirds who require constant access to the internet. The best feature of this plan is that it includes unlimited talk and text in Mexico and Canada too! Plus, it also gives unlimited data in Mexico and 25 GB of data in Canada per month. This means you can freely travel between Canada, the US, and Mexico, all on one mobile provider, without needing to change SIM cards or phone numbers!
T-Mobile Prepaid
T-Mobile offers a $15 per month international add-on, allowing you to make texts and calls in Canada and Mexico in addition to your unlimited talk, text, and data in the United States for $50 per month.
Verizon Prepaid
Verizon offers prepaid plans for snowbirds who frequently travel between Canada and the U.S., with unlimited talk and text available at an affordable price. The plan includes unlimited calls, text, and data from Canada, Mexico, Puerto Rico, and the US Virgin Islands. However, data is reduced to 3G speeds after using more than 2 GB per day, and you may be restricted from international service if more than 50% of your plan usage is outside the United States.
Best No-Contract Prepaid Plans in the U.S.
There are smaller mobile providers that use one or multiple major carrier networks. They offer affordable no-contract plans with varying data and talk options, making it an ideal choice for snowbirds on a budget. Some of them, such as Visible and Cricket Wireless, are owned by the major players, Verizon and AT&T. The no-contract prepaid plan prices below are in U.S. Dollars.
Tello Mobile
Boost Mobile
Visible
US Mobile
Mint Mobile
RedPocket
Cricket Wireless
eSIM Data Plans
In addition to traditional SIM cards, you can also purchase an eSIM data plan. An eSIM is a digital SIM card that does not require a physical card to be inserted into your phone. Instead, it can be purchased and downloaded digitally and activated on your device. This can be a convenient option for snowbirds who want to avoid the hassle of physically purchasing and inserting a new SIM card each time that they travel.
However, not all devices support eSIMs, so be sure to check that your phone supports eSIMs before purchasing an eSIM plan. eSIM plans are also generally data-only plans, and do not include talk and text. You can always use free apps, such as Google Voice, to make and receive calls and text messages using your mobile data or WiFi. The eSIM data plan prices below are in U.S. Dollars.
Cheap eSIM Data Plans for the U.S.
Ubigi
Nomad
Airalo
Cheap eSIM Data Plans for Mexico
Nomad
Ubigi
Airalo
Research Before You Travel
Before you leave, research the different cell phone providers in your destination country and their available plans. If you have a locked phone, you won't be able to use a local SIM card outside of your phone’s carrier network, so consider unlocking your phone before you travel.
You can also purchase an unlocked phone before your trip, which will allow you to switch out SIM cards for different countries and carriers as needed.
Consider Your Usage
When choosing a plan, consider how much data and minutes you will need. If you plan to use your phone frequently, purchasing a larger data package may save you money in the long run.
Pay-As-You-Go Options
Many countries offer pay-as-you-go options for data and calling, allowing you to only pay for what you use. Depending on your usage, pay-as-you-go plans, or prepaid plans, can be more cost-effective than traditional monthly plans and don't usually require a contract.
Don't Forget About Roaming Charges
Even if you don’t plan on buying a local SIM card and intend to only use Wi-Fi, such as at your accommodation or public spaces, make sure to turn off your cellular data to avoid any unexpected roaming charges back home.
RBC doesn’t charge bank or lender fees on its cross-border U.S. mortgages8, such as foreign national premiums. This can save the average Canadian homebuyer up to $4,500 USD in closing costs42
- Use your Canadian credit history
- No pre-payment penalty
- Save up to $4,500 USD on closing costs on U.S. mortgages42
Renting vs. Owning Property
One of the biggest expenses for snowbirds is accommodation. While most snowbirds choose to stay in a long-term rental, a short-term rental such as an Airbnb, or even just stay at a hotel or resort, others may opt to purchase a property for their extended stay in the U.S. Here are some factors to consider when deciding between renting and owning property as a snowbird:
- Cost: Renting a property is usually the more affordable option, as there are no long-term financial commitments or additional expenses such as U.S. property taxes and maintenance costs.
- Flexibility: Renting allows for more flexibility in terms of duration of stay, location, and type of accommodation. This can be beneficial for snowbirds who like to explore different cities or prefer to switch up their living arrangements.
- Ownership: Owning a property can provide a sense of stability and the ability to customize your living space. It also allows for potential rental income when you are not using the property.
- Seasonal Prices: Busy vacation periods in tourist hotspots can lead to higher costs for accommodations. By owning a property, snowbirds can avoid these peak season rates and have a comfortable place to call their own.
- Long-term expenses: While renting may be more affordable in the short term, owning a property requires long-term financial planning for expenses such as mortgage payments and home insurance.
Comparing the costs of renting vs. buying can help you make a more informed decision. When calculating, remember to consider that mortgage interest rates in different countries can be quite different than the rates you’re used to in Canada. Mortgage terms and amortizations can also be different.
Mortgages in the U.S.
Obtaining a mortgage as a non-U.S. citizen can be challenging, but not impossible. Here are some options for snowbirds considering purchasing property in the U.S:
- U.S. Banks: Some banks in the U.S. may offer mortgages to non-U.S. citizens, but they often require a larger down payment and may charge a foreign national premium, making these mortgages more expensive.
- Canadian Banks: Some Canadian banks also offer financing for purchasing property in the U.S., known as cross-border mortgages.
Get pre-approved for a U.S. mortgage8with RBC using your Canadian credit history and income, and start shopping for a home with your Pre-Approval Certificate that is good for 120 days. Plus, there are no bank or lender fees with RBC, saving the average borrower up to $4,500 USD in closing costs!42
- Use your Canadian credit history
- No pre-payment penalty
- Save up to $4,500 USD on closing costs on U.S. mortgages42
Utilities and More
If you plan on renting a property in the U.S. as a snowbird, it's important to understand how utilities are typically handled. Some rentals may include all utilities in the rent, while others may require you to set up and pay for your own. Short-term rentals, such as Airbnb, often include utilities in the overall cost. However, for longer-term rentals, you may need to set up your own accounts and pay for each utility separately. If you own a second home in the U.S., you will be responsible for all utilities. Some key things to keep in mind include:
- Electricity, water and sewer: These utilities may also be included in the rent or billed separately. Be aware that some states have higher water rates than others.
- Gas: If your property has gas appliances, you will likely need to pay for this utility separately as well.
- Internet and cable: These are often not included in the rent and will need to be set up and paid for separately.
It's important to budget for these additional expenses when planning for your snowbird lifestyle. Make sure to research and understand the average costs for utilities in your destination area. And don't forget to factor in any installation or set-up fees that may apply.
Internet and Cable Providers in the U.S.
When setting up your internet and cable services in the U.S., you may come across a variety of providers. Some common ones include:
- Xfinity (Comcast)
- AT&T
- Verizon Fios
- Spectrum
- Cox
It's important to research and compare these providers to find the best deal for your needs. Consider factors such as pricing, packages offered, and availability in your area. You may also want to consider bundling services for potential savings.
According to a survey commissioned by CIBC, only 7% of snowbirds own their own residence abroad. The majority of snowbirds rent, with a smaller portion staying at a hotel, resort, an R.V., or with friends.
Snowbirds were most likely to use a short-term rental, such as Airbnb and Vrbo, at 26% of snowbirds. 24% of snowbirds used a long-term rental, while 7% stayed with a friend, 6% stayed at a hotel/motel, 6% at a resort, 6% in a recreational vehicle (RV), and 2% in a timeshare. Only 7% owned a second property.
Budgeting Tips
While the initial thought might be that living abroad is cheaper, this isn't always the case. Be sure to budget for all possible expenses, keeping in mind additional costs that may pop up when you least expect it.
Cost-Saving Strategies
There are numerous ways to make your snowbird adventure more affordable, from joining loyalty programs to taking advantage of seasonal discounts. Additionally, living like a local and shopping strategically can keep your costs down.
Most Canadian snowbirds, 71%, do banking abroad through their Canadian banks’ mobile or online banking platforms. A smaller portion, 29%, also visit their Canadian bank before their trip. An international bank is used by 14% of Canadian snowbirds. Having a cross-border bank account in the U.S. can make banking during a trip more convenient.
Financial Advantages
Escaping the cold isn’t just about fun in the sun; for many snowbirds, it's a shrewd financial move. From leveraging favorable exchange rates to renting out your Canadian residence and reducing seasonal costs on home maintenance and utility bills, the snowbird lifestyle can offer significant savings. By understanding and managing your finances wisely, you can make the most of your time abroad without breaking the bank.
Health Benefits
Environmental change can have a positive impact on your health, providing relief from the aches and pains often associated with cold and damp conditions. Plus, many snowbirds enjoy the side effect of increased physical activity through swimming, walking, or other outdoor pursuits — doing wonders for both body and mind.
Factors to Consider
Picking the best snowbird destination is a personal choice, but there are several factors you should consider. Climate, cultural amenities, language, healthcare access, and cost of living are all crucial elements to research.
Popular Locations in the USA and Mexico
From the golfing paradises of Arizona to the beachfront bliss of Florida, the USA offers a diverse range of snowbird destinations. Meanwhile, Mexico's resorts, colonial towns, and beach cities cater to expats with a taste for adventure and luxury alike.
It’s a good idea to register with the Canadian government when travelling or living abroad, so that they can contact you and make you aware of any emergencies at your destination or at home. The Registration of Canadians Abroad is a free service offered by the government.
Crime Awareness
Crime rates can differ significantly from those at home, so it's important to educate yourself to avoid high-risk areas. Learn about local laws and customs and be cautious with your belongings when visiting another country.
Emergency Preparedness
Having a plan in place for emergencies is important. This includes knowing where the nearest embassy or consulate is, or their contact information, as well as having a basic understanding of the local healthcare system. Canadian consulates and embassies offer assistance to Canadians traveling abroad in case of things such as lost passports, if you have been arrested, or local emergencies.
Other Practical Considerations
Apart from visa requirements, mobile service and insurance options, there are many other practical considerations for snowbirds. These can include:
- Banking and financial arrangements: Set up online banking or consider opening a local bank account in your destination country. Online banking can help you pay bills and manage your finances even while abroad.
- Secure your home: Make sure to take necessary precautions to secure your home while you're away. This could include installing a security system, having someone check on the house periodically, and stopping mail and newspaper delivery.
- Winter-proof your home: Properly prepare your home for the winter, such as turning off your water, keeping the heat on at a low temperature, and unplugging electronics.
- Mail forwarding: If you will be away for an extended period, consider setting up a mail forwarding service with Canada Post or having someone check your mail regularly to avoid any issues with bills or important documents.
- Property management: If you own property, consider hiring a property management company to take care of it while you're away.
- Taxes: Consult with a tax professional to understand any potential tax implications of being a snowbird, such as foreign income and taxes on rental income.
- Vehicle insurance: If you plan on driving a vehicle in your destination country, make sure to research and understand the local insurance requirements. It may also be helpful to have an International Driving Permit (IDP).
- Use your Canadian credit history
- No pre-payment penalty
- Save up to $4,500 USD on closing costs on U.S. mortgages42
Most snowbirds, 49%, withdraw foreign currency before their trip or use a no foreign transaction fee credit card. Foreign currency being withdrawn during their trip is something that 38% of snowbirds do, with regular credit, debit, and prepaid credit cards making up the bulk of remaining purchases.
Living the snowbird lifestyle can be immensely rewarding and can add a thrilling chapter to your retirement years. By weighing the benefits against the challenges and taking proactive steps to plan your extended stay, you can make the most of this unique life experience. Whether it's basking in the Florida sun or exploring the markets of Mexico, the snowbird lifestyle offers endless opportunities for growth, relaxation, and adventure. Take flight with confidence and enjoy the seasonal shift — the snowbird way.