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It’s that time of year when people from Canada or the northern Unites States migrate south to the warmer climates of the southern United States, Mexico or Central America.

These thousands of so-called “snowbirds” who flock to warmer destinations for the winter will do so with a travel protection or international medical insurance policy in hand. For those traveling outside of their resident country, the purchase of a travel protection plan (including medical) or an international health policy is standard practice.

However, did you know that many people insure the prepaid, nonrefundable cost of their rented home or condo, too? It is common that payments for these types of accommodations are due upfront and that they are nonrefundable. If a person were to become ill or injured and cannot travel, they can recoup that cost of their nonrefundable accommodations. For those who do make the trip south, their travel insurance plan may also include “primary” medical coverage with no deductible. Many travel protection plans available to U.S. residents include $50,000 per person for medical coverage for any unforeseen illnesses or injuries that may occur during their stay.

For example, a person age 75 renting a place for four months at $3,500 a month ($14,000) can insure that prepaid investment for about $2,300. The policy would provide trip cancellation coverage for sickness, accident or death of themselves, a traveling companion or a family member. And if they purchase the insurance within 21 days of making their first payment or deposit, they will also receive the additional benefit of a pre-existing medical conditions exclusion clause waiver.