Travel Medical Insurance For Seniors, Snowbirds, Retirees, Parents...

Canada's #1 selection of travel insurance companies offering plans specifically for seniors, snowbirds, retirees, tour groups or elderly travelers.

Medical questionnaires
Anyone over 55 can be considered 'senior' for travel health insurance purposes, because many companies require travelers over age 54 to answer a medical questionnaire prior to purchase.

Insurance plans that require medical questionnaires offer insurance rates that are higher according to the medical risk involved. If your health is good, answering the medical questions will allow you to qualify for a low rate. On the other hand, if you do have health issues that need attention your insurance costs may be higher, but you will want to make sure that your conditions can be covered if at all possible.

Tip: Not all medical questionnaires are the same, and different companies assess medical risk differently. So just because one company wants to put you in a higher risk class, two or three of the other companies may not. If you need to look around for a competitive offer, you can simply choose to answer multiple questionnaires to determine the best price. 

Of course, travel insurance is designed to help you protect against the risk of sudden, unplanned, and unforeseen circumstances such as accidental injury and unexpected illness. So medical conditions that already exist and can be reasonably expected to require medical attention during your trip will be excluded from coverage under your travel medical insurance plan. However, your policy may allow for certain pre-existing conditions to be covered, as long as the condition has been stable (each company has it's own definition of stable) for a certain period of time prior to the insurance coverage coming into effect (first day of coverage, known as effective date).

Travel health insurance for seniors with no medical questionnaires
If you have found that your answers to the medical questionnaires indicate that you are in a higher risk class, you may want to consider finding a plan that will offer you coverage without answering a medical questionnaire. You'll still want to be aware of what kind of pre-existing conditions exclusion comes with that policy, but please consider the following:

Tip: For seniors going away for only a short trip (15 days or less) there are some plans that are offered that do not require answering a medical questionnaire (ages 55-74). By planning a shorter trip you can still travel with insurance for some pre-existing conditions and also be covered for other unexpected illnesses or injuries. 

Tip: Seniors may be able to find the travel health insurance they want by purchasing an all-inclusive travel insurance package that doesn't require answering a medical questionnaire. A package plan will come with trip cancellation and trip interruption insurance, as well as baggage insurance and some accidental death and dismemberment coverage, but it may still prove to be cheaper or offer better coverage for pre-existing conditions than a plan requiring a medical questionnaire.

Tip: Don't forget to look at the cost for a multi-trip plan before you buy. You may find that there's a plan that doesn't require a medical questionnaire and allows you to cover most stable pre-existing conditions for up multiple trips of up to 35 days or even longer. Note however that the pre-existing exclusion applies to each trip you go on during the annual plan, so if your health changes and you now have an unstable condition, it won't be covered.

Click the following links for more information on:

covering pre-existing conditions,
frequently asked questions for Canadians,
common questions about medical issues.

Travel medical insurance for seniors via bestquotetravelinsurance.ca

When you get a quote from us to find out more about your travel insurance choices, you'll be presented with an interactive quote presentation like the one below for emergency medical insurance (age 57 &58, 18 days):

On this quote, you can notice that  some of the policies require a medical while others do not. Some of the companies don't require medical questionnaires to be answered until age 60 or 61.

All the policies have been set to a zero deductible, although you can move the final premium lower by choosing a higher deductible (if you choose a $500 deductible for instance, the premium will be 10-15% lower, but you would have to pay the first $500 of any claim.)

You may also notice that the price for traveler one and traveler two don't necessarily add up to the 'net final premium below the Purchase button. That's because the Net final premium will include any available discounts or premiums (due to setting deductible to zero).

When a medical questionnaire is required, we start by quoting what that policy will cost based on good health. If you click on the red 'medical required' button, you will be asked a series of medical questions which will then allow your quoted premium to be adjusted higher if your answers indicate a higher health risk. Once adjusted, the blue Purchase button will appear, indicating that you can continue with your purchase request. 

Available for your immediate review is the policy's Summary, Complete Details, Compare Details, and the entire policy to download. While the summary will help you glance at the exact details quickly, we recommend you use the other features before downloading and reading the policy prior to purchase.

We try to be informative on this site to help you guide your purchase to what is best for you. If you have any questions, or need some help with your purchase, please call us toll-free at 1-888-888-0510. We'll be glad to help.