How to get the best travel Insurance for seniors in 2024?

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Highly recommended
soNomad
Rating
4.8
Features
Coverage
$150,000
Deductible
$0
Emergency Medical Care
up to $5,000,000
Baggage insurance
$1,500
Our review
Snowbird plan available
  • The most competitive offer on the market
  • soNomad coverage is complete and very good value for money
  • Highly recommended
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Our detailed review

soNomad travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 at no extra cost, and baggage insurance up to $1,500, all with no deductible. It stands out for its competitive rates and excellent value for money, surpassing competitors like Allianz and Manulife, which are often more expensive for similar coverage. The cancel-for-any-reason program, subscribed within 7 days of booking, provides additional security. Ideal for all travelers, including those with pre-existing medical conditions.

Recommended Offer
Allianz
Rating
4.7
Features
Coverage
$150,000
Deductible
$0
Emergency Medical Care
up to $5,000,000
Baggage insurance
$1,000
Our review
  • Higher rates for the greatest coverage offered on the market
  • Allianz offers are very comprehensive
From our partner
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Allianz travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 protection at no extra cost, and baggage insurance up to $1,000. Although its rates are higher, Allianz stands out for the quality and breadth of its coverage. Compared to soNomad and TuGo, Allianz offers a very comprehensive package but at a higher cost, making it an ideal choice for those seeking maximum and uncompromising coverage.

Recommended Offer
Rating
4.7
Features
Deductible
$0
Emergency Medical Care
Up to $5,000,000
Baggage insurance
$1,000
Trip Cancellation and Interruption
Up to $12,000
Our review
5% Discount for 2 Travelers
  • No medical questionnaire for individuals aged 59 or younger
  • Coverage in case of accidental death or dismemberment
  • Medical department for personalized analysis
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Tour+Med offers comprehensive travel insurance with generous medical coverage up to $5,000,000 CAD, including coverage for COVID-19 at no extra cost. Their flexible deductible options and additional benefits, such as medical questionnaire exemptions for certain age groups, make it an attractive choice for travelers concerned about their peace of mind.

Manulife
Rating
4.6
Features
Coverage
$150,000
Deductible
$0
Emergency Medical Care
up to $10,000,000
Baggage insurance
up to $1,000
Our review
  • Interesting formulas for trips lasting up to one month
  • Important coverage
  • Adapted to your basic needs
Our detailed review

Manulife travel insurance offers a "COVID-19 Pandemic Travel Insurance Plan" providing emergency medical coverage up to $1,000,000 for COVID-19 related health issues, increased to $5,000,000 for fully vaccinated individuals. In case of unforeseen quarantine, it covers up to $200 per day per person (maximum $2,800) and $400 per day per family (maximum $5,600). Compared to other plans, Manulife stands out for its extensive coverage and specific quarantine benefits, offering increased security for vaccinated travelers.

Travel insurance for seniors in Canada is designed to provide coverage and protection for older travellers during their journeys. As older adults may have unique health needs and face specific travel risks, having adequate insurance is crucial to ensure a safe and worry-free experience.

Travel insurance for seniors safeguards against unexpected medical expenses, trip cancellations and interruptions, among other coverages specifically tailored for older travellers.

However, choosing the best policy isn't always easy and that's why we've created this guide on travel insurance for seniors. Find out everything from coverage for pre-existing conditions, pros, cons, and more.

5 Key Takeaways on Travel Insurance for Seniors in Canada

  1. Travel insurance for seniors is essential to provide coverage and protection during their journeys.
  2. It typically includes coverage for emergency medical expenses, trip cancellation/interruption and baggage cover.
  3. Some insurers offer coverage for pre-existing medical conditions.
  4. Insurance providers offering plans for older seniors include RBC, Blue Cross, Tugo, TD, Manulife, Allianz Global.
  5. Cost of travel insurance varies based on age, trip duration, coverage limits, and pre-existing conditions.

What is the best Canadian travel insurance for seniors?

Here is an overview of some of the best Canadians providers and their pros and cons when it comes to policies for older Canadians:

ProviderProsCons
RBC Travel Insurance
Comprehensive coverage for medical expenses, trip cancellation/interruption, baggage loss, emergency medical evacuation Cost of Royal Bank travel insurance for seniors coverage can be relatively higher than other providers
CAA Travel Insurance
Range of coverage options, including emergency medical expenses, trip cancellation, baggage loss
Good customer service
CAA travel insurance for seniors coverage might have more limitations than others
Blue Cross Travel Insurance
Extensive coverage, particularly in emergency medical situations
Options for pre-existing medical conditions
Premiums for Blue cross travel insurance for seniors can be higher compared to other insurers
Tugo Travel Insurance
Many plans, including single trips and annual coverage
User-friendly
Some Tugo travel insurance for seniors plans might have limited coverage for pre-existing medical conditions
AMA Travel Insurance
Reliable coverage for medical emergencies, trip cancellations, baggage loss
Possible discounts for members
Coverage options of AMA travel insurance for seniors might not be as extensive as other providers
Costco Travel Insurance
Partners with reputable insurers to offer competitive rates Available coverage of Costco travel insurance Canada for seniors might be lesser for older seniors over 75
TD Travel Insurance
Various travel insurance plans with flexible options.
Straightforward claims process
Some TD travel insurance for seniors plans might not cover pre-existing medical conditions
CIBC Travel Insurance
Reputed provider
Online quote and purchase available
No specific plans for seniors
Best travel insurance for seniors Canada

If you'd like to check out the best Canadian travel insurance for seniors, you could simply use our comparator below and get tailor-made quotes based on your unique needs and budget. You can compare coverage, pricing, and get free quotes in no time:

What does travel insurance for seniors cover?

The actual coverage will depend on your policy and your insurer. But here is what travel insurance for seniors in Canada usually covers:

  • Emergency medical expenses: This covers the costs of medical treatment and hospitalization in case of sudden illness or injury while travelling abroad.
  • Trip cancellation/interruption: It reimburses non-refundable trip expenses in case the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen events.
  • Baggage loss/delay: Essentially, this provides compensation for lost, stolen, or delayed baggage, helping seniors replace essential items during their trip.
  • Emergency medical evacuation: This covers expenses related to transporting the insured back to home country for medical treatment if necessary.

Some insurers also offer coverage for pre-existing medical conditions, although it may come with certain restrictions or higher premiums.

How does out of province travel insurance for seniors work?

Provincial healthcare coverage doesn't always extend fully to other provinces. Out-of-province travel insurance is vital when older adults travel within Canada to cover unexpected medical expenses, emergency medical evacuations, prescription medications, and trip interruptions. It fills gaps in provincial coverage, offering access to comprehensive healthcare while exploring different provinces.

Travel medical insurance for seniors

Travel halthe insurance for seniors is usually covered under regular travel insurance plans. Medical insurance is a specific type of insurance designed to cover emergency medical expenses incurred while travelling abroad. As seniors may have pre-existing medical conditions and are more susceptible to health risks, having adequate medical coverage during trips is essential.

Medical travel insurance for seniors typically provides coverage for emergency medical treatment, hospitalisation, and medical evacuation if necessary. It is essential to review the coverage limits to ensure they meet the potential costs of medical treatment in the destination country.

Expert advice

Multi-trip travel insurance for seniors is a type of coverage designed to accommodate frequent travelers who embark on multiple trips within a specified period. Instead of purchasing individual policies for each trip, a multi-trip policy offers potential cost savings for seniors who travel frequently. Multi-trip insurance also provides flexibility for both spontaneous trips and planned getaways.

Are pre-existing medical conditions with senior travel insurance?

Travel insurance for Canadian seniors with pre-existing medical conditions can be a bit more challenging to obtain compared to other age groups for the same plans. Pre-existing medical conditions are health conditions that exist before the travel insurance is purchased or the trip is booked.

These conditions can range from chronic illnesses, such as diabetes or heart disease, to previous injuries or surgeries. Insurers consider pre-existing medical conditions as they affect the risk profile of the traveller, and providing coverage for such conditions adds complexity and potential costs to the insurance policy.

Here are some important points to consider when seeking coverage for older Canadians with pre-existing medical conditions:

  • Insurers will typically require seniors with pre-existing medical conditions to undergo a medical screening or fill out a medical questionnaire.
  • Coverage for pre-existing medical conditions may have certain limitations and exclusions. For example, some conditions may be covered up to a certain age or may not be covered at all.
  • Insurers may require that the pre-existing medical condition has been stable for a specified period before the trip. The stability period varies between insurance providers, but it is typically around 90 to 180 days.
  • Premiums may be higher for seniors with pre-existing conditions.
  • Seniors with pre-existing medical conditions are encouraged to purchase policies as early as possible.

Good to know

Some insurers offer exclusion waivers that allow seniors to purchase additional coverage for pre-existing conditions by paying an extra premium. This can provide more comprehensive coverage for the specific health condition.

How to get the best travel insurance for seniors over 70 canada?

Be it travel insurance for the USA or Europe or elsewhere, securing coverage for individuals over 70 can present challenges due to various factors, including increased health risks and potential pre-existing conditions. While insurance options are available, they might come with certain restrictions or higher premiums to mitigate these concerns.

However, here are some tips to help you get cheap travel insurance for seniors over 70:

  1. Start Early: Begin your search well in advance of your trip to allow time for thorough research and comparison of policies tailored to seniors.
  2. Assess Your Needs: Consider your health, trip destination, duration, and activities to determine the coverage you require, whether it's medical coverage, trip cancellation, or other benefits.
  3. Compare Policies: Compare coverage, exclusions, benefits, and costs to find the policy that suits your needs to get the best travel medical insurance for seniors over 70. You could use HelloSafe's comparator to compare the best plans, coverage, and restrictions.
  4. Check Age Limits: Ensure the insurance providers you're considering offer coverage for seniors over 70, as some may have age restrictions.
  5. Read Policy Thoroughly: Carefully review policy documents, terms, and conditions to understand coverage, limitations, and claim procedures before making a decision. If unsure, consult with an insurance agent specializing in senior travel coverage.

This also applies for travel insurance for seniors over 75 or 80 years old.

How much is travel insurance for canadian seniors?

The premiums travel insurance for seniors can vary significantly depending on factors such as:

  • Traveller's age and destination
  • Trip duration
  • Coverage limits
  • Any pre-existing medical conditions.

Here are sample quotes for the best travel insurance for Canadian seniors from different insurers for a 70-year-old Canadian senior travelling on a 10-day trip to Europe with no pre-existing medical conditions:

Insurance ProviderTravel insurance for Seniors Canada CoveragePremium (CAD)
RBC Travel Insurance
Comprehensive Coverage$320
CAA Travel Insurance
Emergency Medical, Trip Cancellation, Baggage$280
Blue Cross Travel Insurance
Emergency Medical, Pre-existing Condition$400
Tugo Travel Insurance
Single-Trip Comprehensive$350
AMA Travel Insurance
Emergency Medical, Trip Cancellation, Baggage$290
TD Travel Insurance
Emergency Medical$260
Manulife Travel Insurance
Emergency Medical, Trip Cancellation, Baggage$300
Allianz Global Assistance Insurance
Emergency Medical, Trip Cancellation, Baggage$270
RSA Travel Insurance
Emergency Medical, Trip Cancellation, Baggage$310
Cost of plans from different providers

Compare the best rates for senior travel insurance by using our free comparison tool below. In a few clicks, you'll get several personalized quotes for your travel plans and needs:

Compare the best travel insurance plans on the market!

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What are the credit cards with travel insurance for seniors?

Several credit cards in Canada offer trip benefits. These credit cards are often designed to cater to the specific needs of older travellers and provide coverage for various travel-related incidents.

Here are some examples of credit cards with travel insurance for Canadian seniors:

Credit CardTravel Insurance Coverage for Seniors in Canada
Scotiabank PassportTM Visa Infinite Card
  • Comprehensive travel insurance for seniors up to the age of 65.
  • Travel emergency medical insurance.
  • Trip cancellation/interruption insurance.
  • Coverage for baggage loss or delay.
  • Travel accident insurance. Rental car collision insurance.
TD Aeroplan Visa Infinite Card
  • Travel medical insurance for up to 15 days per trip for seniors up to age 65.
  • Trip cancellation/interruption insurance.
  • Coverage for lost or delayed baggage.
CIBC Aventura Visa Infinite Card
  • Emergency medical insurance for seniors up to the age of 64.
  • Trip cancellation/interruption insurance.
  • Baggage loss/delay insurance.
  • Travel accident insurance.
BMO World Elite Mastercard
  • Emergency medical coverage for up to 15 days per trip for seniors up to age 65.
  • Trip cancellation/interruption insurance.
  • Coverage for lost or delayed baggage.
RBC Avion Visa Infinite Card
  • Emergency medical insurance for up to 15 days per trip for seniors up to age 65.
  • Trip cancellation/interruption insurance.
  • Coverage for lost or delayed baggage.
Desjardins Odyssey World Elite Mastercard
  • Emergency medical insurance for seniors up to the age of 65.
  • Trip cancellation/interruption insurance.
  • Coverage for lost or delayed baggage.
Credit cards with travel insurance for seniors
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Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.