Travel Medical Insurance for Canadian Snowbirds and Seniors

Get Your Personalized Quote for Travel Insurance

For assistance, please call at
416-493-0101, 1-833-700-7510
OR
Choose from travel insurance plans for snowbirds and seniors from Canadian providers, tailored to your health needs:
• Pre-existing conditions coverage - when stable 7, 30, 90, 180, or 365-day option.
• There is no age limit: Travelers 70, 75, 80, 85, 90+ years old are welcome!
• Coverage maximums available from 2 to 10 million CAD.
• Single trip, annual multi-trip and top-up plans.
Most plans require a medical questionnaire to confirm your edibility and establish the cost of your insurance. Coverage for pre-existing conditions can vary by insurer.
Our online combined questionnaire brings together forms from top insurance providers, so you only enter your medical details once. This helps us quickly find the most suitable plan for you while saving you time and effort.
Fill one questionnaire and get your best option — we match you to the right plan from 10 insurance providers: Manulife, Allianz, TuGo, GMS, Destination, TourMed, Travelance, AwayCare (True Senior Guard), 21-st Century Travel, TrueStone (HMC plan).
When the plan is chosen, we will email you a quote for the best option, and your premium will be based on your answers to the insurer's medical questionnaire.
For Trip cancellation & Interruption insurance, go to our page Protect Your Trip.

Which Travel Medical insurance plan is right for you?

Here’s what to consider when selecting a travel emergency medical insurance plan.
1. Eligibility requirements
Make sure you meet the eligibility requirements for the policy you are considering. If you don’t, you may need to choose another policy or contact us for advice.
Eligibility requirements are usually listed at the start of the medical questionnaire you complete when applying, or on the first pages of the policy wording.
If you do qualify, the policy covers sudden and unexpected sickness or injury outside your province of residence. However, emergencies related to pre-existing medical conditions may not be covered.
2. Rate Qualification (how much you will pay for this insurance)
Most travel insurance providers require applicants to complete a rate-qualification medical questionnaire to determine their travel insurance rates.
The cost of your insurance is based on the information provided by you in 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.
Answering these questions carefully is important. Even if you qualify for coverage, providing incorrect or incomplete information could lead to a problem when you make a claim.
Questionnaires vary across providers because each company evaluates risks differently, and comparing plans often means filling out multiple questionnaires. To make the process easier and save time, you can complete a single general questionnaire covering major insurers and submit it to us.
Based on your responses, you’ll be matched with an appropriate plan, and your final premium will be based on the insurer’s medical questionnaire.
But, if your trip is not long, you may be eligible for travel medical insurance that does not require a rate-qualification questionnaire.
These plans are quick and easy to apply for ONLINE: please see a few options below. However, keep in mind, that you must meet specific eligibility criteria, which may limit your qualification for this type of coverage.

Travel Medical Insurance without Questionnaire

Coverage $10,000,000 CAD

Up to age 64

Coverage $5,000,000 CAD

Up to 90 days per trip

up to age 79

Coverage $5,000,000 CAD

Up to 15 days per trip

for ages 60-74

Coverage $5,000,000 CAD

Up to 60 days per trip

for ages 60-69

Up to 16 days per trip

for ages 70-89

Coverage $2,000,000 CAD

No age limit

No coverage for Pre-existing

medical conditions !

Coverage $10,000,000 CAD

No age limit

No medical questionnaire for travelling  in Canada or 2 days per trip outside Canada

Please call at 416-493-0101 or 1-833-700-7510 for more information, to get a quote and to buy insurance.
3. Pre-existing medical conditions coverage
A pre-existing condition is any medical issue that you had before your departure date (e.g., heart or lung condition, high blood pressure, diabetes, etc.).  If you want to have coverage for your pre-existing condition, 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.
Coverage typically applies to emergency expenses if the condition has been stable for a specified period before the policy’s effective date, which may be 7, 30,  90, 180, or 365 days, depending on the plan and applicant’s health insurance needs.
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.
You may have a few pre-existing medical conditions. Each condition is assessed separately. Only those that meet the stability requirements will be covered for emergency treatment during your trip.
For more information, please go to our page  Will Travel Medical Insurance Cover Your Pre-Existing Condition?
4. Exclusions
Travel medical insurance policies include a range of exclusions and limitations.
Certain plans may not cover specific medical conditions, so it’s important to carefully review any restrictions outlined in your policy - especially those related to pre-existing conditions.
Travel medical insurance typically does not provide coverage for any loss that results directly or indirectly from:
• Pre-existing medical conditions that do not meet the stability period specified in the policy.
• Medical conditions or symptoms for which future investigation or treatment was planned prior to departure.
• Any condition for which you are on a waiting list, registered for treatment, or awaiting diagnosis in Canada.
• Non-emergency treatment,  Elective treatment, Experimental treatment.
• Ongoing or follow-up care, rehabilitation, or recurrence of a condition once the emergency has been declared over by the attending physician or Assistance Centre.
• Any medical condition resulting from, or in any way related to, the abuse of alcohol.
• Treatment that could reasonably be delayed until your return to Canada by the next available transportation, unless pre-approved by the Assistance Centre.
• Any medical condition arising or contracted after an official Government of Canada travel advisory of “Avoid all travel” has been issued for your destination prior to your policy’s effective date. This exclusion does not apply to emergency claims unrelated to the advisory. Travel advisories can be viewed on the Government of Canada Travel website.
For a complete list of exclusions, limitations, and policy conditions, please refer to your policy wording. You may also contact us for further consultation.
For assistance, please call at
416-493-0101, 1-833-700-7510
OR

Single Trip vs Annual Multi-trip Plans, Top-ups

A Single-trip insurance policy provides coverage from the date you leave your province of residence until the date you return to your home province (both departure and return dates are included). Even if you visit multiple countries or states during your journey, it is still considered one single trip
If you plan to travel outside your home province two or more times within a year, an Annual multi-trip travel insurance plan may be a better option.
An Annual multi-trip policy offers coverage for an unlimited number of trips outside your province of residence over a 12-month period. While there is no limit on how many trips you can take, each trip does have a maximum duration. Depending on the insurer, this can range from as little as 2 days per trip to as much as 60 days per trip.
Many annual multi-trip policies restrict the number of days you can travel outside Canada. However, for travel within Canada but outside your home province, coverage is automatically extended beyond the selected trip duration. While some policies count the allowed number of days starting from your departure date from your home province, regardless of destination.
An annual multi-trip plan generally cannot be purchased as a top-up to another policy. One exception is the TuGo Traveller Annual Multi-Trip plan, which can be added as a top-up to an existing multi-trip policy.
If your trip exceeds the maximum duration allowed under your annual multi-trip plan, you can purchase a top-up before departure. For example, if you take multiple trips per year and most are around 30 days long, it may be cost-effective to purchase a 30-day annual multi-trip plan and then add a top-up for any longer trips
A Top-up is an additional policy that extends your coverage period and takes effect immediately after your base policy expires.
It is recommended to purchase a top-up before departure. While it is sometimes possible to purchase travel medical insurance after leaving your home province or Canada, options are limited. Many insurers do not offer coverage after departure
Top-up daily rates are typically based on the total length of your trip, including departure date, return date, and all days in between. When requesting a quote, you will need to know both the full trip duration and how many days are already covered under your existing policy.
In general, top-ups do not cover emergencies that began during the original policy period being topped up. Therefore, it’s important to confirm whether your base policy includes an automatic extension of coverage in cases such as hospitalization or a medical emergency that prevents travel on the expiry date of coverage.
There is an exception to this rule with the TuGo Traveller plan. If treatment for an emergency medical condition begins before the top-up policy takes effect, TuGo may cover eligible expenses incurred after the top-up start date as though the condition began under the top-up policy
Also, review your existing policy to confirm whether a top-up from a different insurer is allowed without affecting your coverage. Some policies do not permit additional emergency medical coverage from other providers.
Happy Travelling!

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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