The snowbird 60-day split calculator

Instead of buying one long single-trip policy for the whole winter, you structure the stay as multiple trips of 60 days or less on an annual multi-trip plan, returning to Canada between segments. Each return starts a new trip under the plan's per-trip limit.

It can. Annual multi-trip plans are priced per year rather than per day, so two or three 60-day segments sometimes cost less than a single 180-day policy. Whether it wins depends on your age, health, destination and the insurer, so compare both structures with real quotes before deciding.

Generally yes. For the annual plan's per-trip limit to reset, each segment generally needs to be a new trip departing from Canada. Check your policy wording, because some plans define this differently.

Stability clauses are typically measured from each departure date. A medication change or new symptom mid-winter can therefore affect coverage for the next segment, so disclose any health changes before each departure.

Top-ups extend a single trip rather than splitting it, and multi-trip top-ups generally must be purchased before departure. If you want one continuous stay without returning to Canada, a top-up or a long single-trip policy is usually the cleaner structure. See our top-up guide.

No. Ontario counts total days outside the province, not number of trips. The guideline is no more than 212 days away in any 12-month period, and at least 153 days physically present in Ontario, regardless of how you structure your travel insurance. See our OHIP 212-day rule guide.