An independent financial broker corporation with two divisions. HotWinters.ca Travel Medical Insurance helps Canadians travel and live abroad without risking their assets. With over 40 years of medical & financial experience, we find solutions for clients with some of the most challenging medical histories. Although most of our clients travel for three to six months, we cover corporations' business trips as well as those spending years out of the country. Visitors and immigrants to Canada healthcare needs are met while waiting for provincial insurance or during the immigration process. HotWinters.ca Travel Agency lets people enjoy their hot winters. Offering ocean and river cruises throughout the world, we often work with groups wanting to travel together or raise funds for their organization.