Travel Medical Insurance for Canadian Snowbirds and Seniors

Get Your Best Quote for Travel Insurance

Choose from a variety of travel insurance plans for snowbirds and seniors offered by Canadian insurance companies, which provide coverage that can match your individual health needs.
Most travel medical insurance plans require completion of a medical questionnaire to assess eligibility and determine insurance costs. These questionnaires vary among insurance companies, potentially resulting in different rates. Pre-existing medical conditions can often be a concern. Coverage for pre-existing medical conditions can differ significantly under various  insurance policies and requires special consideration.
To streamline the selection process and identify the most suitable option, we offer an ONLINE generalized medical questionnaire. It combines the travel medical questionnaires from reputable Canadian insurance providers, including Manulife, Allianz, TuGo, Blue Cross, GMS, Destination, TourMed, Travelance, and AwayCare (True Senior Guard plan). This tool enables us to match you with the right plan, and you can save time and efforts by only having to provide your medical information once.
When the plan is chosen, your premium will be based on your answers to the insurer's medical questionnaire.
For assistance please call at
416-493-0101,  1-877-443-0101
If you prefer to get online quotes or buy insurance directly from insurers, click the following links, and you will be redirected to the insurer’s secure website:
You can also access information about travel medical insurance plans, receive online quotes, and purchase insurance directly from the insurer.  Just click on the button below:
There is no age limit for travel insurance.  Travelers 70, 75, 80, 85, 90+ years old are welcome!

What travel insurance is right for you?

When choosing Travel Emergency medical insurance, you need to find the answers to three questions:

1) Do I qualify?

The eligibility requirements  are usually shown in the first section of the medical questionnaire, which you will have to fill out when applying for travel insurance. Or you can find these requirements on the first pages of any travel insurance policy wording.
Make sure that you meet the eligibility requirements.
If you do not meet the eligibility requirements for the policy, you can look for another policy or call us for consultation.  If you meet the eligibility requirements for the policy, you can purchase this policy, and you will have medical coverage for sudden and unexpected sickness or injury, which may occur outside your province of residence.  However, emergencies related to your pre-existing  medical conditions may not be covered.
2)  How much will I pay for this insurance?
You can consider two options.
► Medical questionnaire is required to determine the cost of your insurance
Application for medical insurance for snowbirds and seniors usually includes a medical questionnaire to determine your eligibility and the cost of your insurance, which depends on your answers on this questionnaire.

The cost of your insurance is based on the information provided by you on this questionnaire. No matter whether your pre-existing condition stable or not, you need to disclose your medical information as it is required in the questionnaire. Even a small dosage of a prescribed medication is considered a treatment, and this condition should be disclosed on the questionnaire if required.

When shopping around for the best rates, you usually complete numerous questionnaires with various travel insurance providers. We have a solution that helps to save your time and select the right insurance plan.
Simply complete and submit our General Medical questionnaire that contains questions from the medical questionnaires with various travel insurance providers (Manulife, Allianz, TuGo, Blue Cross, Destination Travel Group, GMS, and other). We will get your questionnaire and help you select the travel medical insurance plan that meets your insurance needs. When the plan is chosen, your final premium will be based on your answers to the insurer's medical questionnaire.
► No medical questionnaire is required (limited trip duration)
If your trip is not long, you do not want to complete medical questionnaires, you can consider travel medical insurance that does not require a medical questionnaire to determine the cost of your insurance.

Travel Medical Insurance without Questionnaire

Coverage $10,000,000

Up to age 64

Coverage $5,000,000

Up to 25 days per trip

for ages 55-74

Coverage $5,000,000

Up to 15 days per trip

for ages 60-74

Coverage $5,000,000

Up to 60 days per trip

for ages 60-69

Up to 16 days per trip

for ages 70-89

Coverage $2,000,000

No age limit

No coverage for Pre-existing

medical conditions !

Coverage $5,000,000

Plan temporary unavailable

Please call at 416-493-0101 or 1-877-443-0101 for more information, to get a quote and to buy insurance.
IMPORTANT!  You must meet the eligibility requirements for this policy. This insurance pays for emergency medical expenses relating to your pre-existing medical conditions, which have been stable within a stability period as it is defined in the policy.
3) Will my pre-existing condition be covered?
Generally, pre-existing condition means a medical condition that existed before your departure date (heart condition, lung condition, high blood pressure, diabetes, etc.).  If you want to have coverage for your pre-existing condition, please make sure that this condition is stable in terms of the policy you want to apply for.
Your medical condition(s) disclosed on the medical questionnaire may NOT be covered. Travel medical insurance only covers STABLE pre-existing medical conditions, no matter whether these pre-existing conditions are mentioned or not mentioned in the questionnaire as well as if there is no questionnaire at all.
Most travel medical insurance policies cover emergency medical expenses relating to a pre-existing medical condition, if this condition has remained STABLE during a certain period of time before the effective date as stated in the policy wording. Regular Stability Period with most travel insurance plans is 90 days (3 months), or 180 days (6 months), or 365 days (12 months) and may depend on the age of applicant and rate category as determined on the medical questionnaire.
Basically, STABLE means: there have been no new symptoms, new diagnosis, new medications or alteration in medications, dosage and frequency of taking, no new treatment or change in treatment, no hospitalization, no referral to a specialist received or recommended, or you are waiting for any test results, further investigation, or surgery. Definition of STABLE may be a little bit different with various insurers. Please refer to the policy wording for definition of stable pre-existing conditions.
Pre-existing condition exclusion applies to each condition separately. You may have a few pre-existing medical conditions: only a condition that meets the stability requirements stated in policy will be covered in the event of an emergency relating to this condition while on your trip.
Unstable pre-existing medical conditions
If your medical condition does not meet Regular Stability Period requirements stated in the policy, you can consider travel medical insurance with Reduced Stability Period Options, which may meet your insurance needs.
7-day stability, 30-day stability period options are available with different insurance plans.
Also, you may be eligible for an Individual Medically Underwriting plan, which covers pre-existing medical conditions without stability period requirements. The cost of this insurance is based on the insurer’s detailed medical questionnaire and depends on your personal medical history. Contact us for more information.

Exclusions

Travel Medical insurance policy has a row of exclusions and limitations.

Most common exclusions are:

There is no coverage for any loss that results directly or indirectly from any of the following exclusions:

• Pre-existing medical conditions that do not meet your stability period as stated in the policy.
• If you are traveling for the purpose of seeking medical Treatment.
• A medical condition or symptoms for which future investigation or treatment was planned before you left home.
• Any condition that you are on a waiting list or registered for treatment or awaiting a diagnosis for in Canada.
• Any of the following treatments: a) Treatment not related to an emergency; b) Elective treatment; or c) Experimental treatment.
• Ongoing or follow-up treatment, rehabilitative care, or the recurrence of a medical condition or related condition once the emergency is declared over by the attending physician or the Assistance Centre.
• Expenses incurred as a result of failure to follow the Physician’s or Emergency Assistance advice.
• Any Treatment that could be reasonably delayed until you return to Canada by the next available means of transportation, unless approved in advance by the Assistance Centre.
• Any medical condition you suffer or contract when an official travel advisory was issued by the Canadian government stating “Avoid all travel” regarding the country, region or city of your destination, before your policy effective date. This exclusion does not apply to claims for your emergency or medical condition unrelated to the travel advisory. To view the travel advisories, visit the Government of Canada Travel site.

Please refer to the policy wording for all exclusions, limitations, and conditions of the policy. Call us for consultation

Annual Multi-trip Plans

If you are planning two or more trips from your home province during one year, you can consider an Annual Multi-trip travel insurance plan.
An Annual Multi-Trip policy covers you for an unlimited number of trips outside your province of residence during a 12-month period.
Coverage for each separate trip commences and becomes effective immediately upon your departure from your province or territory of residence and expires when you return to your province or territory of residence.
Multi-trip plan does not limit number of trips per year, but Multi-Trip plan limits the number of days per trip.
2, 4, 8, 10, 15-16, 18, 20, 30-35, 60 - day multi-trip plans are available with different insurers.
Some multi-trip policies provide emergency medical coverage for travelling within Canada but outside your province of residence for an unlimited number of days as long as you have your provincial health coverage, while each trip taken outside of Canada can be up to the maximum number of days you selected when you purchased your Multi-Trip plan, beginning on the first day you leave Canada.
With other policies,  the number of days shown on your policy confirmation is counted starting on the date of departure from home province.
If your trip is longer than it is allowed under your Annual Multi-Trip policy, you can purchase a top-up before your departure.
For example, if you take 2-3 or more trips within one year and most of your trips are around 30 days, it may be the most cost-effective solution to purchase a 30-day annual multi-trip plan and then to buy a top-up for a longer trip.
The Annual Multi-Trip Plan cannot be purchased as a top-up to another single-trip or multi-trip policy. Exclusion is the TuGo Traveller Annual Multi-Trip plan that can be issued as a top-up to the existing multi-trip plan.

Topping-ups before Departure and Purchasing Insurance after Departure

If you already have Emergency Medical plan (single-trip or multi-trip) but you need coverage for more days than you have with your existing plan, you can purchase top-up coverage. It’s better to purchase a top-up before leaving your province of residence. The insurer’s approval may be needed if you submitted or reported a claim after departure and before your request for a top-up (or extension) after departure.
Daily rates for top-ups may depend on the total trip length, which includes departure date, return date and days in between. That is why when requesting a quote for a top-up, you need to know the total trip length and number of days covered under your existing policy.
Top-ups do not cover emergencies that occurred during the term of the policy being topped-up. Please review your existing policy if it provides an automatic extension of coverage in the case of hospitalization or if you have a medical emergency that does not require hospitalization but prevents travel on your expiry date of coverage.
There is an exclusion from this rule though. With TuGo Traveller plan, when treatment  for an emergency medical condition begins before the effective date of the top-up policy, TuGo will pay eligible expenses incurred on or after the date this top-up policy takes effect as if the emergency medical condition began under this top-up policy. Coverage for emergency medical conditions which began before the effective date of this top-up policy is only provided if there is no lapse between the insurance plan being topped-up and this top-up policy.
Also, check your existing policy, if a top-up from a different insurer is permitted with no loss of coverage. Some policies cannot be topped up with emergency medical coverage from other insurance providers.
Generally, you can purchase travel medical insurance after departure from your home province or Canada. However, these options are limited, and the insurer may charge edition premium for this option. You can consider Destination Snowbird Plan,  Allianz Travel Medical insurance, True Senior Guard Travel Plan.

Trip Cancellation & Interruption Insurance

Trip Cancellation insurance is protection when a covered event happened before your departure date that force you to cancel your trip or a portion of your trip. It provides coverage for such items as non-refundable airfare, pre-paid non-refundable travel arrangements and cancellation penalties.
Trip Interruption and Delay insurance is protection when a covered event occurred on or after your departure date that force you to disrupt your trip as originally scheduled or interrupt your trip and return earlier or later than your return date. It provides coverage for such items as transportation to rejoin a tour group or the cost of out-of-pocket expenses during longer delays (meals, accommodations, telephone calls and taxi fares), non-refundable portion of travel arrangements (if any).
Covered risks may include Health related events (for example, Sickness, injury, death or quarantine of you, a travel companion, an immediate family member, a travel companion’s immediate family member or a caregiver); Legal events (for example, The non-issuance of your or your travelling companion’s travel visa), Government Advisory, Delays, Schedule Changes & Misconnections, and other risks
Pre-existing condition exclusion : Trip Cancellation & Interruption insurance does not cover loss, expenses or benefits relating to any pre-existing condition affecting you or your travelling companion or the immediate family member, business partner, key employee, close friend, host at destination, unless the pre-existing condition was STABLE within a stability period before the policy effective (purchase) date or date of booking your trip (depending on the plan). Stability period may be 60, or 90, or 180 days, depending on the plan.
All-Inclusive Travel Insurance policy may include Emergency Medical insurance, Trip cancellation Insurance & Interruption, Baggage Loss or Damage, Flight & Travel Accident insurance.

What to do if you get sick or injured?

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, please contact the insurer's ASSISTANCE CENTRE at the telephone numbers shown on your Policy confirmation and the Policy wording, as soon as possible.  When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.
To apply for benefits under travel insurance policy, you will need to send a completed claim form (with all original bills, proof of payment and other documents attached) to the insurance company. You can request a claim form from the insurance company's Assistance Centre. Consult the claim guideline in the Policy wording or the claim procedure.

This website is owned and operated by Natalia Tatchkova, a member of the Financial Advisors Association of Canada, a life & health insurance broker licensed in  Ontario, Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Newfoundland & Labrador, Prince Edward Island, Saskatchewan and authorized to offer and sell insurance products from a variety of Canadian insurance providers.

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