Best Travel Insurance for Canadian Seniors
Best for accuracy and complex medical histories
Best for simple health profiles and ease of use
Note: Top insurers like Manulife and Allianz Global may not always be listed on comparison sites.
For personalized senior coverage, consider working with a licensed travel insurance broker.
Never choose on price alone. The cheapest policy may have restrictive conditions that could leave you unprotected in an emergency.
Best travel insurance providers for Canadian seniors
Exceptional clarity for pre-existing conditions. Online eligibility tool. High coverage limits.
Specialist in senior travel insurance. Covers snowbirds and extended stays. Flexible plans for Canadian seniors.
Clear language. Responsive claims process. Adventure activity coverage.
Physician sign-off option for pre-existing conditions. Highly respected claims handling.
Worldwide assistance network. Excellent emergency medical services. Single & multi-trip plans.
Simple medical questionnaires. Competitive pricing. Bundle discounts available.
Avoid claim denials! Download our comprehensive checklist of critical questions you must answer correctly when applying for senior travel insurance.
Incomplete or incorrect answers on your insurance application are the top reason senior travel insurance claims get denied. Our comprehensive checklist ensures you provide accurate information.
Do you have any pre-existing medical conditions?
Heart disease, diabetes, COPD, arthritis...
What medications are you currently taking?
List ALL prescriptions with dosages
Do you use mobility aids?
Cane, walker, wheelchair, balance issues
Do you want CFAR coverage?
Cancel for ANY reason - 50-75% refund
FREE
100%
Insurance companies WILL verify your answers
Seniors face extra scrutiny. Use this checklist to avoid $50,000+ claim denials.
Your condition must be stable (no changes in medication or treatment) for 90-365 days before travel. Be honest on medical questionnaires.
Aim for at least $5 million in emergency medical coverage, especially for USA travel.
If you travel twice or more per year, an annual plan may save money. Age limits often apply (typically 64-69).
This is the most critical policy wording. You must understand the required stable period (e.g., 90, 120, 180 days) for each of your pre-existing conditions. "Stable" usually means:
Do not buy from the first company you see. Get detailed, written quotes from at least 3-4 of the companies above (e.g., Manulife, Medipac, TuGo, Blue Cross). Compare the stability clauses side-by-side.
Withhold nothing. Declare every condition, medication, and doctor's visit. An undisclosed condition related to a claim will lead to denial.
For expensive, non-refundable trips, this rider (usually adding 40-50% to the trip cancellation cost) provides ultimate flexibility if you need to cancel for a reason not listed in the standard policy.
Start your search with Manulife CoverMe and Medipac to set your benchmarks, then compare with TuGo (CAA) and Blue Cross. This will give you a comprehensive view of the best coverage and value for your specific health profile and travel plans.
A timeframe (90, 180, or 365 days) before your trip where your medical condition must remain unchanged - no new medications, dosage changes, or symptoms. Shorter periods (90 days) are easier to qualify for.
Yes, if your condition is stable. Manulife, Blue Cross, and Allianz specialize in pre-existing conditions. You must answer medical questions honestly and meet the stability requirements.
Yes, $5 million is the industry standard and covers most medical emergencies in the USA. Consider higher limits if you have serious pre-existing conditions or are taking a very long trip.
If you travel 2+ times per year, multi-trip (annual) plans are usually more cost-effective. However, age limits typically apply (64-69 years old depending on the provider), and each trip is usually limited to 30-60 days.
Trip cancellation coverage is separate from medical insurance. It reimburses non-refundable expenses if you must cancel for a covered reason (serious illness, death in family, etc.). Always read the fine print for what qualifies.
Yes! Provincial health plans provide minimal coverage outside Canada. For example, OHIP covers only a small fraction of U.S. medical costs. A hospital stay in the U.S. can easily cost $10,000+ per day, far exceeding provincial coverage.
Call your insurer's 24/7 emergency assistance line immediately (save this number in your phone before you travel). They will direct you to appropriate medical facilities and coordinate billing. Never delay calling - most policies require pre-approval for treatment.