Travel insurance for Canadian seniors is an important consideration for those who plan to travel outside of Canada, especially if they have pre-existing medical conditions. There are several factors to consider when choosing travel insurance for seniors, including the length of the trip, the destination, and the health status of the individual.
Here are some things to keep in mind when shopping for travel insurance for Canadian seniors:
- Age Restrictions: Many travel insurance policies have age restrictions, so it’s important to check that the policy covers seniors.
- Pre-existing Conditions: Some policies may exclude coverage for pre-existing medical conditions, so be sure to check the policy’s coverage.
- Coverage Limits: Look for policies with high coverage limits, especially for medical expenses and emergency medical evacuation.
- Trip Length: Some policies have restrictions on trip length, so make sure the policy covers the entire duration of your trip.
- Destination: Some policies have exclusions for certain destinations, so be sure to check the policy’s coverage for your specific destination.
- Emergency Assistance: Look for policies that offer 24/7 emergency assistance services.
- Deductibles: Consider the deductible amount, as higher deductibles may result in lower premiums.
It’s important to shop around and compare policies to find the best coverage and value for your specific needs. You may also want to consult with a travel insurance broker or a licensed insurance agent who specializes in travel insurance for seniors.
Travel insurance for Canadian seniors with pre-existing medical conditions
Dealing with pre-existing medical conditions can be a concern when purchasing travel insurance. Here are some things to consider when looking for travel insurance that covers pre-existing medical conditions:
- Declare your condition: It’s important to disclose any pre-existing medical conditions when applying for travel insurance, as failure to do so may result in denied coverage.
- Understand the coverage: Make sure you understand what is and is not covered under the policy for your pre-existing medical condition. Some policies may have exclusions or limitations.
- Medical underwriting: Some insurance companies may require medical underwriting for pre-existing medical conditions. This means they will ask you to provide medical information and may require a doctor’s note.
- Medical coverage: Look for policies with high medical coverage limits, especially for pre-existing medical conditions. This is important in case of unexpected medical expenses during your trip.
- Trip cancellation: Consider policies that offer trip cancellation coverage for pre-existing medical conditions.
- Renewability: Some policies may not be renewable if you need to extend your trip due to medical reasons, so it’s important to check this in advance.
- Compare policies: Shop around and compare policies to find the best coverage and value for your specific needs.
It’s important to note that not all travel insurance policies cover pre-existing medical conditions, so it’s important to read the policy carefully and ask questions if you’re unsure about anything. You may also want to consult with a travel insurance broker or a licensed insurance agent who specializes in travel insurance for pre-existing medical conditions.
Travel insurance for Canadian seniors visiting USA
The amount of travel insurance you need as a Canadian senior visiting the USA depends on several factors, such as the length of your trip, your destination, your age, your health status, and your planned activities. Here are some factors to consider when determining how much travel insurance you need:
- Medical coverage: Healthcare costs in the USA are very high, so it’s important to have adequate medical coverage. Consider purchasing travel insurance with a high medical coverage limit, such as $1 million or more.
- Emergency medical evacuation: In case of a medical emergency, you may need to be evacuated to a nearby hospital or back to Canada. Look for policies that include coverage for emergency medical evacuation.
- Pre-existing conditions: If you have any pre-existing medical conditions, make sure the policy covers them, as some policies may exclude coverage for pre-existing conditions.
- Trip cancellation: If you need to cancel your trip for a covered reason, such as illness or injury, having trip cancellation coverage can help protect your investment. Consider purchasing travel insurance with trip cancellation coverage.
- Duration of coverage: Make sure the policy covers the entire duration of your trip, as some policies may have restrictions on trip length.
- Activities: If you plan to engage in any high-risk activities, such as extreme sports or adventure travel, make sure the policy covers those activities.
It’s important to shop around and compare policies to find the best coverage and value for your specific needs. The cost of travel insurance can vary widely depending on the factors mentioned above. You may also want to consult with a travel insurance broker or a licensed insurance agent who specializes in travel insurance for seniors visiting the USA.
Can you get travel insurance if you are over 75?
Yes, it is possible to get travel insurance if you are over 75 years old. However, it may be more difficult to find travel insurance at a reasonable price, as many travel insurance policies have age restrictions and higher premiums for seniors.
Some insurance companies may have age limits for their travel insurance policies, while others may offer coverage with restrictions or limitations for seniors. It’s important to read the policy carefully to understand what is and is not covered, as well as any exclusions or limitations.
When shopping for travel insurance as a senior, it’s important to compare policies and prices from different insurance providers. Consider looking for policies that specifically cater to seniors, as these policies may offer more comprehensive coverage for older travelers.
It’s also important to declare any pre-existing medical conditions when applying for travel insurance, as some policies may exclude coverage for pre-existing conditions. Some insurance providers may require medical underwriting for seniors with pre-existing conditions.
In summary, while it may be more challenging to find travel insurance as a senior over 75, it is still possible to obtain coverage with some research and due diligence.
List of 10 Best Travel Insurance Companies in Canada for Senior Citizens
Here is a list of some of the best travel insurance companies in Canada for senior citizens, along with a company description, bullet points of good and bad reviews, and star ratings based on customer feedback from the internet:
- Allianz Global Assistance Canada
- Company Description: Allianz Global Assistance Canada offers a range of travel insurance plans to suit different travel needs and budgets.
- Good Reviews: Fast and efficient claims process, excellent customer service, comprehensive coverage.
- Bad Reviews: High premiums for seniors, limited coverage for pre-existing medical conditions.
- Star Rating: 4.1 out of 5 on Trustpilot.
- Manulife Travel Insurance
- Company Description: Manulife Travel Insurance offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Good coverage for pre-existing medical conditions, easy to purchase and customize coverage online.
- Bad Reviews: Claims process can be slow, some policies have limited coverage.
- Star Rating: 3.8 out of 5 on Trustpilot.
- Travel Guard
- Company Description: Travel Guard offers a range of travel insurance plans to suit different travel needs and budgets.
- Good Reviews: Comprehensive coverage, easy claims process, excellent customer service.
- Bad Reviews: High premiums for seniors, limited coverage for pre-existing medical conditions.
- Star Rating: 4.2 out of 5 on Trustpilot.
- RSA Travel Insurance
- Company Description: RSA Travel Insurance offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Comprehensive coverage, easy to purchase and customize coverage online, good customer service.
- Bad Reviews: Some policies have limited coverage, some customers have experienced difficulty with the claims process.
- Star Rating: 4.2 out of 5 on Trustpilot.
- TuGo Travel Insurance
- Company Description: TuGo Travel Insurance offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Comprehensive coverage, good customer service, easy to purchase and customize coverage online.
- Bad Reviews: Some policies have limited coverage, some customers have experienced difficulty with the claims process.
- Star Rating: 4.3 out of 5 on Trustpilot.
- Blue Cross
- Company Description: Blue Cross offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Comprehensive coverage, good customer service, easy claims process.
- Bad Reviews: Some policies have limited coverage, high premiums for seniors.
- Star Rating: 4.2 out of 5 on Trustpilot.
- GMS Insurance
- Company Description: GMS Insurance offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Comprehensive coverage, good customer service, easy to purchase and customize coverage online.
- Bad Reviews: Some policies have limited coverage, high premiums for seniors.
- Star Rating: 4.0 out of 5 on Trustpilot.
- Desjardins Insurance
- Company Description: Desjardins Insurance offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Comprehensive coverage, easy to purchase and customize coverage online, good customer service.
- Bad Reviews: Some policies have limited coverage, high premiums for seniors.
- Star Rating: 4.1 out of 5 on Trustpilot.
- RBC Insurance
- Company Description: RBC Insurance offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Comprehensive coverage, easy to purchase and customize coverage online, good customer service.
- Bad Reviews: Some policies have limited coverage, high premiums for seniors.
- Star Rating: 4.1 out of 5 on Trustpilot.
- CAA Insurance
- Company Description: CAA Insurance offers a range of travel insurance plans for Canadian travelers, including seniors.
- Good Reviews: Comprehensive coverage, easy to purchase and customize coverage online, good customer service.
- Bad Reviews: Some policies have limited coverage, high premiums for seniors.
- Star Rating: 3.9 out of 5 on Trustpilot.
Travel Insurance for Canadian Seniors FAQs
Here are some frequently asked questions (FAQs) about travel insurance for Canadian seniors:
Q: What age is considered a senior for travel insurance? A: The age at which you are considered a senior for travel insurance can vary depending on the insurance provider. Typically, seniors are considered to be 65 years or older.
Q: Do I need travel insurance if I’m a Canadian senior traveling within Canada? A: While travel insurance is not required for domestic travel within Canada, it is still recommended in case of unexpected events or medical emergencies.
Q: What does travel insurance cover for Canadian seniors? A: Travel insurance for Canadian seniors can cover a range of things, including medical expenses, trip cancellation or interruption, lost or stolen luggage, emergency medical evacuation, and more.
Q: Can I get travel insurance if I have a pre-existing medical condition? A: Yes, it is possible to get travel insurance if you have a pre-existing medical condition. However, coverage for pre-existing conditions can vary depending on the policy and insurance provider.
Q: How much does travel insurance for Canadian seniors cost? A: The cost of travel insurance for Canadian seniors can vary depending on factors such as age, health status, trip duration, destination, and the level of coverage required. It’s important to compare policies and prices from different insurance providers to find the best coverage and value.
Q: How do I make a travel insurance claim as a Canadian senior? A: To make a travel insurance claim, you will need to contact your insurance provider as soon as possible. They will provide instructions on how to submit a claim and what documentation is required. It’s important to keep all receipts and documentation related to your claim.
Q: Is travel insurance mandatory for Canadian seniors traveling abroad? A: Travel insurance is not mandatory for Canadian seniors traveling abroad, but it is strongly recommended. Canadian seniors are at a higher risk of medical emergencies while traveling, and healthcare costs can be very high in some countries.
Q: Can I purchase travel insurance if I’m already abroad as a Canadian senior? A: It may be possible to purchase travel insurance while already abroad, but it’s important to check with the insurance provider as many policies have restrictions on when coverage can be purchased.
Q: Can I cancel my travel insurance policy as a Canadian senior if my plans change? A: Yes, it’s typically possible to cancel a travel insurance policy as a Canadian senior, but it may be subject to a cancellation fee. It’s important to check the policy details and speak with the insurance provider to understand the cancellation policy.
Q: Can I extend my travel insurance policy as a Canadian senior if I need to extend my trip? A: It may be possible to extend a travel insurance policy as a Canadian senior, but it’s important to check with the insurance provider as some policies may not be renewable or have restrictions on extension.
Q: Can I purchase travel insurance for a cruise as a Canadian senior? A: Yes, travel insurance is available for cruises, and it’s recommended for Canadian seniors as medical emergencies can be common on cruises. It’s important to check with the insurance provider to ensure that the policy covers cruise travel.
Q: Can I purchase travel insurance for a pre-existing medical condition as a Canadian senior? A: Yes, it is possible to purchase travel insurance for a pre-existing medical condition as a Canadian senior, but coverage for pre-existing conditions can vary depending on the policy and insurance provider. It’s important to declare any pre-existing conditions and read the policy details carefully.
Q: Does travel insurance cover emergency medical evacuation for Canadian seniors? A: Yes, many travel insurance policies cover emergency medical evacuation, which can be especially important for Canadian seniors who may require specialized medical care.
Q: What is the difference between single-trip and multi-trip travel insurance for Canadian seniors? A: Single-trip travel insurance covers a specific trip, while multi-trip travel insurance covers multiple trips within a certain time frame (usually 12 months). Multi-trip travel insurance can be more cost-effective for Canadian seniors who travel frequently.
Q: Can I purchase travel insurance for a one-way trip as a Canadian senior? A: Yes, it is possible to purchase travel insurance for a one-way trip, but coverage may be more limited than for a round-trip.
Q: Can I purchase travel insurance for a group of Canadian seniors traveling together? A: Yes, it’s possible to purchase group travel insurance for a group of Canadian seniors traveling together. This can be more cost-effective than purchasing individual policies.
Q: Does travel insurance cover adventure activities for Canadian seniors? A: Many travel insurance policies do not cover adventure activities, or may have limitations or exclusions for certain activities. It’s important to check the policy details and speak with the insurance provider to ensure that the policy covers any planned adventure activities.
Q: Can I purchase travel insurance as a snowbird for Canadian seniors? A: Yes, travel insurance is available for Canadian snowbirds who travel to warmer destinations during the winter months. It’s important to ensure that the policy covers the duration of the stay and any pre-existing medical conditions.
Q: Does travel insurance cover natural disasters for Canadian seniors? A: Some travel insurance policies may cover natural disasters, such as hurricanes or earthquakes, but coverage can vary depending on the policy and insurance provider. It’s important to read the policy details carefully and speak with the insurance provider to understand what is and is not covered.
Q: Can I purchase travel insurance for a trip within Canada as a Canadian senior? A: While travel insurance is not mandatory for domestic travel within Canada, it’s still recommended in case of unexpected events or medical emergencies. Travel insurance for domestic trips within Canada is available, and it may be more cost-effective than international travel insurance.
Q: How far in advance should I purchase travel insurance as a Canadian senior? A: It’s recommended to purchase travel insurance as soon as possible after booking your trip to ensure that you are covered in case of any unexpected events or medical emergencies.
Q: How do I choose the right travel insurance policy for me as a Canadian senior? A: To choose the right travel insurance policy for you as a Canadian senior, it’s important to consider factors such as your age, health status, trip duration, destination, and planned activities. It’s also important to compare policies and prices from different insurance providers and consult with a licensed insurance agent to find the best coverage for your specific needs.
About the Author: Valerie D. Hahn
I’m 70 and have no pre-existing conditions. I need travel insurance for Mexico only (no stops in USA).
Hello: My husband and I are planning on buying a motorhome around 40′ diesel pusher and plan on making several trips a year approximately 6-8 weeks at a time to the United States. He is 79 and I am 76. I have had no medial problems but is on blood pressure pills and cholesterol pills. My husband is also on blood pressure pills, cholesterol pills and Dilantin pill, has had stints put in and has a pace maker, although has had no problems in the last 10 years. Has gone for check ups and every thing is working good. What do you suggest for travel insurance
I am a 70 year old Canadian living in UK. Can I take advantage of the Snowbirds insurance cover? I am travelling to California, Mexico and Canada…