First Rate Insurance

At First Rate Insurance, we are dedicated to providing top-notch travel insurance solutions to Snowbirds, Visitors to Canada, and Students. Our team of experts has years of experience in the industry, and we pride ourselves on our ability to offer personalized service and tailored insurance plans that meet the unique needs of each client.

Our Mission

Our mission is to provide our clients with peace of mind while they travel, knowing that they have comprehensive insurance coverage in place. We believe that travel insurance is not just a necessity, but a vital component of any trip. That's why we specialize in offering innovative and flexible insurance plans that cater to the specific needs of our clients.

Our Services

We offer a wide range of travel insurance services, including Snowbirds, Visitors to Canada, and Students travel insurance. Our recommendations include coverage for stable pre-existing conditions, such as heart, lung, diabetes, stroke, cancer in remission, etc. We also offer customized $10 Million rider coverage for Snowbirds, if eligible, with unstable conditions.

Our assessment of insurance policies is based on the safety and quality of the contract, as well as the level of service provided by the insurance company. We also look for innovative features and options that are not readily available in the marketplace.

What Sets Us Apart

What sets us apart from other insurance providers is our commitment to our clients. We take the time to understand their unique needs and provide personalized service that is tailored to their individual circumstances. We also offer a Compassion Clause to mitigate the possibility of a complete claim denial due to an honest error on the medical questionnaire.

Our Insurance Plans

We offer a range of insurance plans that cater to the specific needs of our clients. Our Snowbirds plans include Trip over 70 days and Trip under 70 days, which offer customized quotes and savings of up to 30% in the second year and every year thereafter with our "Double-End" plan.

Our Trip Cancellation Interruption plan allows clients to insure all or a portion of their trip costs, with no medical questionnaire required and only a 60-day stability period prior to purchase.

Our Family & Friends plan offers coverage for up to two individuals 59 years and under and up to six dependent children, with COVID-19 benefits included regardless of vaccination status.

Our International Students plan offers Emergency Medical coverage to INBOUND students under 69 years old and OUTBOUND students under 40 years old, as well as their accompanying family members.

Our Visitors to Canada plan offers up to $300,000 of coverage, including up to $25,000 Accident Benefit, with no age limit.