Finding the best travel insurance for seniors in Canada can be overwhelming—especially in 2025, when coverage needs are higher than ever. Seniors over 60 face unique travel risks, from pre-existing medical conditions to unexpected cancellations and costly emergencies abroad. Without the right plan, even a short hospital visit can cost thousands. Whether you’re a snowbird heading south or planning a family cruise, this guide compares the top senior travel insurance providers in Canada and what to look for to stay protected.
What Does Senior Travel Insurance Cover in Canada?
Here’s what’s essential:
1. Emergency Medical Coverage
- Look for at least $1–5 million in emergency medical coverage.
- Make sure air ambulance or repatriation is included.
2. Pre-Existing Condition Coverage
- Check the stability period: Most insurers require your condition to be unchanged for 90–180 days before the trip.
- Some plans offer waivers for pre-existing conditions or use customized underwriting for complex medical histories.
3. Trip Cancellation and Interruption
- Covers non-refundable bookings if you need to cancel due to illness or family emergencies.
- Check if coverage is based on age, medical questionnaire, or stability.
4. COVID-19 and Infectious Disease Coverage
- Most plans now include COVID-19, but confirm if it’s explicitly stated and includes quarantine, treatment, and cancellation.
5. Travel Assistance Services
- 24/7 access to medical support, emergency coordination, and claims guidance.
6. Coverage Duration & Multi-Trip Options
- Some seniors travel for long periods. Look for coverage up to 180 days or multi-trip annual plans if you’re taking multiple vacations a year.
💡Learn more about Travel Insurance for Seniors and Points to Consider.
What Does Travel Insurance for Seniors Cover?
Here’s a breakdown of what’s commonly included:
| Coverage Type | Included? | Notes |
|---|---|---|
| Emergency Medical | ✅ Yes | Up to $5M–$10M coverage recommended |
| Hospitalization | ✅ Yes | Includes ICU and surgeries |
| Ambulance / Air Evacuation | ✅ Yes | Essential for international travel |
| Pre-existing Conditions | ⚠️ Maybe | Check stability period, waiver, or special underwriting |
| Trip Cancellation | ✅ Often | Based on covered reasons only |
| Trip Interruption | ✅ Often | Check coverage limits |
| Baggage Loss / Delay | ✅ Yes | Usually has low limits (e.g., $500–$1000) |
| COVID-19 Coverage | ✅ Usually | Verify details in fine print, including quarantine/hotel costs |
Comparison Table: Senior Travel Insurance Options in Canada (2025)
| Provider | Max Medical Coverage | Pre-Existing Condition Rules | Trip Cancellation | Age Limit | Notable Features |
|---|---|---|---|---|---|
| Manulife | $10M | 90–180 day stability required | ✅ Optional add-on | No strict age cap | Trusted for snowbirds; custom underwriting available |
| Blue Cross | $10M | 90–180 day stability required Optional pre-existing condition benefit | ✅ Optional add-on | No strict age cap | Strong regional support; reputable for seniors |
| TuGo | $10M | 90–180 day stability required Optional pre-existing medical condition coverage | ✅ Optional add-on | No strict age cap | Fast claims, good digital experience |
| Allianz Canada | $10M | 90 – 150 day stability required | ✅ Optional add-on | No strict age cap | 24/7 multilingual support; good global coverage |
| GMS | $5M | 180-day stability for chronic conditions | ✅ Optional add-on | No strict age cap for single trip Up to 79 for multi-trip | Reliable regional insurer, transparent pricing |
| CAA | $10M | 90-180 day stability required Optional pre-existing condition coverage | ✅ Optional add-on | No strict age cap | Great for CAA members; popular in Ontario and West |
| RBC Insurance | $Unlimited | 90 – 365 day stability required | ✅ Yes | No strict age cap | Good for RBC clients; credit card integration |
| Desjardins | $5M | 90-182 day stability required | ✅ Optional add-on | No strict age cap | Strong choice for Quebec residents |
| MSH International | Custom | Highly flexible, tailored | ✅ Optional | Flexible | Ideal for complex or long-term medical needs |
Note: Always read the fine print and verify details with the insurer. Coverage and eligibility vary by province and age.
Looking for a quick recommendation?
- Choose Manulife or Blue Cross for trusted, all-around senior coverage.
- Pick TuGo or GMS if you want transparent pricing and fast digital claims.
- Consider CAA or RBC if you already have memberships or banking services.
- Need more flexibility? MSH International is great for travelers with complex medical histories.
Tips for Seniors to Save on Travel Insurance
- Compare quotes using a broker like MediQuote or Kanetix.
- Buy early – Trip cancellation coverage starts the day you purchase.
- Annual plans may be more cost-effective if taking multiple trips.
- Avoid duplicate coverage – Your credit card may offer some benefits.
- Bundle with spouse for potential discounts.
- Use age-based plans – Some providers offer tiered pricing with added benefits for seniors 65+.
Final Thoughts: Peace of Mind Is Priceless
Travel insurance isn’t just a checkbox — it’s your safety net. For Canadian seniors, especially those with health concerns, it can mean the difference between a safe journey and a financial nightmare.
Take your time, read the fine print, and get quotes from multiple sources. The right policy can give you freedom and peace of mind to enjoy your retirement travels.
FAQ: Travel Insurance for Elderly Canadians
Yes, but the condition must meet the stability period or be disclosed for underwriting. Brokers like MediQuote help with high-risk applications.
Some providers cap coverage at 79–89. Others require a medical exam for those over 80.
Only a small portion (e.g., $400/day for hospitalization) — far below actual costs. Private insurance is essential.
Most 2025 plans include COVID-19, but always confirm. Some include hotel quarantine and testing.
Yes, Manulife and Blue Cross are popular among Canadian snowbirds. Look for policies with 90–212 days of uninterrupted coverage.
Further Reading & Resources
- Travel.gc.ca – Health and Travel Insurance
- Guide: Travel Insurance vs. Credit Card Coverage – What’s Actually Covered?
- Pregnant and Travelling? What Insurance Really Covers (2025)
Need help finding a plan that covers your needs?
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Disclaimer: This article is for informational purposes only and not a substitute for professional insurance advice.