Get travel insurance for seniors in Canada

Senior travel insurance is a specialized type of travel insurance plan, designed to meet the unique coverage needs of older individuals (e.g. 55 years old and above). Like standard plans, these policies can help pay for emergency medical expenses while travelling, such as hospitalization fees, physician services, prescription drugs, and more. Plus, coverage for trip cancellation or trip interruption can also be added. 

Senior travel insurance takes into account the unique vulnerabilities associated with factors such as age, health status, and extended trip durations to ensure that older travellers are adequately protected during their time away.

As a senior, there are many different travel insurance plans you can choose from. Here, we cover three common types of policies, so you can select the one that best meets your coverage needs. Keep in mind that your options may differ depending on the provider you choose, so be sure to seek out assistance from an insurance representative if needed.

Travel medical insurance is arguably the most important type of coverage you'll need as a senior. These policies cover you for a wide range of medical-related expenses in the event of an emergency. Here, we cover a few common coverages that most policies for seniors include – but as always, be sure to read your terms and conditions carefully, as policy features may differ from insurer to insurer.

Yes, it's possible to secure travel insurance if you have a pre-existing condition, but availability and coverage terms may differ from provider to provider. Travel insurance quotes are generally calculated for healthy individuals, so expect to pay higher rates if your health status isn't the best.

It's important to disclose your pre-existing condition ahead of time. Many travel insurance companies will require you to complete some form of a medical questionnaire once you reach an older age. Make sure you're completing this with accuracy – the last thing you want is for a claim to be denied while you're in need of a payout abroad. 

Also, note that many travel insurance plans which cover those with pre-existing conditions will require the condition to be stable for a set period of time (e.g. 90 days). If there are changes to your condition during this time, travel claims related to the health issue may be limited. 

Speak to an insurance representative for more details on coverage options while you're travelling with a pre-existing condition. Every insurer and every policy is different, so it's important to do your research in order to select the most suitable option for your needs. 

Some travel insurance providers offer standard plans for seniors, while others may provide specialized plans that cater to unique coverage needs. Here, we cover the main differences between a senior travel insurance policy and a regular one, including the cost, medical evaluation requirements and age limits.

The cost of senior travel insurance can vary greatly based on your age, destination and trip duration. Generally speaking, the more risk you and your trip bring, the more it'll cost to insure. For reference, here are three sample quotes we pulled from top travel insurance providers in Canada, ranging from $538 to over $1400. Each quote represents an all-inclusive plan with emergency medical, trip interruption, and trip cancellation coverage.

Factors that impact the cost of a senior travel insurance quote include age, health status and trip destination. Here, we cover six main factors, so you can better understand how insurers calculate your risk level as a travelling senior.