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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.
Worldwide assistance network. Excellent emergency medical services. Single & multi-trip plans.
Physician sign-off option for pre-existing conditions. Highly respected claims handling.
Clear language. Responsive claims process. Adventure activity coverage.
Major Canadian bank. Multi-trip plans up to age 79. Easy access online.
Simple medical questionnaires. Competitive pricing. Bundle discounts available.
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).
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.