It’s the dead of winter, and as Canadians hunker down from coast to coast, there’s one lucky group of them that have their mittens holstered and toques in storage: the snowbirds. Every year, thousands of Canadians make their way to warmer climates, often spending the bulk of their winter salting margarita rims instead of sidewalks.

If you’re planning a trip, the last thing you want to do is imagine what can go wrong. Of course, small things can happen when you travel, but there are also worst-case scenarios and risky adventures that should be covered by insurance.

We were looking to book a last-minute trip somewhere warm. Have you been in this position? Obvious places spring to mind, and obvious clichés: we’ve been there before, so it will be easy… everyone goes there, but it’s not that busy… you can’t beat the five-hour direct flight…