Travel insurance can be expensive if you’re a Canadian senior. In this review, we compare the prices and plans for travel insurance for Canadian seniors. We also look at travel insurance offered through Canadian credit card companies.

Update! We’ve updated all quotes and information in 2017.

For this review of travel insurance for seniors in Canada, we compared rates for a two week vacation to the United States for a couple, aged 72 and 74.  All prices are total for both travelers.

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.

Kanetix 

Kanetix.ca lets you compare Canadian travel insurance quotes online in just minutes. They give free, no obligation quotes from more than 30 insurance companies. Hugely popular, Kanetix gave over one million insurance quotes to Canadians in 2010. Check out our review of Kanetix.ca. A short medical questionnaire was required to get these quotes.

Click here to get a quote from Kanetix.

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For travellers with no pre-existing medical conditions, the cheapest quotes at Kanetix.ca (without trip cancellation or interruption) were:

  • $183.82, Tour Med (with deductible), $5 million emergency medical coverage, $250 deductible. The price rose to $193.50 to drop the deductible to $0.
  • $198.30 GMS (with deductible), $5 million emergency medical coverage, $250 deductible. The GMS price was 218.10 with a $0 deductible.
  • 220.50 Escapade Travel insurance, $5 million emergency medical coverage, with a $0 deductible.
  • $321.08 Ingle International, $10 million emergency medical coverage, $250 deductible and no medical form if under age 79. The cost went to $352 for a $0 deductible.

While GMS, Escapade and Tour+Med may seem like unfamiliar names to Canadians, all three companies are well established in Canada.

  • Escapade Travel Insurance is part of April International Canada based in Quebec, part of the April Group, a worldwide insurer established in 1988.
  • GMS Group Medical Services is headquartered in Regina, Saskatchewan. GMS was founded in Saskatchewan in 1949.
  • Tour+Med has been in Canada since 1996, but has just recently become a big player in online travel insurance. We’re working on a review, so stay tuned!

The cheapest all inclusive plans at Kanetix.ca, which include emergency medical coverage, trip cancellation, trip interruption and baggage coverage were:

  • $640.00 AIG TravelGuard, $2 million emergency medical coverage, and with trip interruption.
  • $640.00 AIG TravelGuard, $2 million emergency medical coverage, and with trip interruption. $684.00 AIG TravelGuard, $10 million emergency medical coverage, and with trip interruption.

When the same Canadian seniors were quoted with an existing (heart) medical condition, prices, as can be expected, increased for emergency medical coverage.

Tip! Check out our article with tips for getting travel insurance with a pre-existing medical condition.

  • $321.08 Ingle International, $10 million coverage, $250 deductible, no medical form up to age 79. The price rose to $352.84 with a $0 deductible.
  • $368.48 Tour+Med, $5 million coverage and $250 deductible. For a $0 deductible, the price rose to $387.88.
  • $400.99 Escape Travel Insurance, $5 million coverage, with a $250 deductible. The price went up to $443.21 with $0 deductible.
  • $464.40 GMS, $5 million coverage and a $250 deductible. The price for $0 deductible was $510.60.

Click now to get a quote and compare travel insurance prices on Kanetix.

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CARP Canada

Coverage is available for both CARP members (membership is $19.95/year) and non-members. See our CARP insurance review.

You are required to complete a medical declaration to determine your eligibility and rate qualification, if you are over the age of 59 you are also required to complete a medical questionnaire.

Online quotes for CARP insurance without trip interruption or cancellation were (a medical questionnaire is required for both plans):

  • $186.90, Travel Choice 1 Policy, $10 million coverage, $200.
  • $233.98, Travel Choice 2 Policy, $0 million coverage, $0 deductible.

Medipac (Canadian Snowbird Association)

A long (about 15 minute) and extensive medical questionnaire was required to get these quotes. While the Medipac rates were just slightly higher than those quoted through Kanetix.ca, the amount of emergency medical coverage was only $2 million/person, and the quote process was long.

We strongly encourage you to read Medipac’s carefully worded policy and discussion of pre-existing conditions before purchasing insurance through them.

Medipac Travel insurance (through through the Canadian Snowbird Association) cost:

  • $272.80, no deductible, up to $2 million emergency medical coverage, no trip cancellation, interruption or baggage
  • $248.00, $99 deductible, up to $2 million emergency medical coverage, no trip cancellation, interruption or baggage

For insurance that includes trip interruption and cancellation (this cancellation insurance must be purchased within 48 hours of booking your trip):

  • $496.80, no deductible, up to $2 million emergency medical coverage
  • $472.00, $99 deductible, up to $2 million emergency medical coverage

RBC Travel Insurance

To buy RBC insurance, you need to be an RBC client (or spouse, child, adopted child, or step-child of the client).

When we got our quote, we found that we got a better rate when we said we didn’t have a pre-existing medical condition. However, given that few seniors are in perfect health, this may not be an option for most.

RBC Travel Insurance won’t allow an individual over age 60 to buy insurance as part of a couple or family. Instead, we had to go through the irritating and time consuming process of getting two quotes for both members of the couple.

If we got a quote without completing a medical questionnaire, prices were:

  •  $480.00, unlimited emergency medical coverage, with trip interruption and baggage insurance. Our quote didn’t include trip cancellation insurance. For trip cancellation coverage, you need to call RBC directly.
  • $456.00, unlimited emergency medical coverage, no trip interruption or baggage insurance

If we got a quote after completing a five minute medical questionnaire (and indicating perfect health), quotes for a couple were:

  • $208.00, unlimited emergency medical coverage, with trip interruption and baggage insurance. Our quote didn’t include trip cancellation insurance. For trip cancellation coverage, you need to call RBC directly.
  • $188.00, unlimited emergency medical coverage, no trip interruption or baggage insurance

BMO Travel Medical Insurance

BMO had a simple, quick online insurance application. Annoyingly, they wouldn’t let us get a quote for an individual over age 60 as part of a couple or family. Instead, we had to go through the irritating and time consuming process of getting two quotes for both members of the couple.

Quotes are for travellers in perfect health:

  • $296.72,  $5 million emergency medical coverage, no trip cancellation or trip interruption, and no baggage coverage.
  • $619.94, $5 million emergency medical coverage,trip cancellation, trip interruption, and baggage.

CAA Travel Insurance

We got a quote from the British Columbia CAA club. Again, irritatingly, the BCAA will not provide couples coverage for couples over 60, so we had to complete individual applications for each member of a couple. We had to complete a five minute medical questionnaire. Quotes were:
  • $362.40, $10 million emergency medical coverage, and no trip interruption or cancellation, with a stiff $500 deductible. The same quote with $0 deductible was $434.88.
  • $748.40, $10 million emergency medical coverage, with trip interruption or cancellation, and a $500 deductible. With a $0 deductible, the rate was 820.20.

TuGo Travel Insurance

We got a quote from TuGo travel insurance. This time the quote process was fast and easy. See our Tugo review here.

Click here to get a quote from TuGo.

Quotes were:

  • $354.60, $5 million emergency medical coverage, $200 deductible.

World Nomads Travel Insurance

World Nomads is one of the best known travel insurance companies in the world. They’re recommended by Lonely Planet, and have a good reputation for making travel insurance hassle free, and offer good value. World Nomads is the only travel insurance company that we know of that will allow Canadians to purchase travel insurance if you’ve already left on your trip.

However, World Nomads only offers travel insurance to people aged 66 or under. 

Click here to get a quote from World Nomads.

If you happen to be under 66 years of age, World Nomads is a pretty good choice, especially if you’re planning a longer trip. World Nomads, unlike many policies, covers adventure activities like scuba diving. Check out our review of World Nomads travel insurance for Canadians.

For a couple both aged 65, travelling to the US for two weeks, World Nomads quoted:

  • $228.00, $5 million emergency medical coverage, no deductible, trip cancellation, and trip interruption.
  • 259.92, $510 million emergency medical coverage, no deductible, trip cancellation, and trip interruption.

Travel Insurance Through Credit Cards

Credit cards often offer travel insurance as a card holder bonus. Happily, many Canadian credit card companies are now offering insurance coverage to people over the age of 64.

Credit cards that offered a travel insurance perk tended to have fairly high annual fees, though we did find one credit card with no annual fee. For all cards we looked at, you need to purchase your tickets with the credit card in order to have their travel insurance.

Tip: Credit card companies often advertise Common Carrier Accident Insurance as a perk. This insurance is not comprehensive emergency medical insurance. Common Carrier Accident Insurance only covers you if an accident occurs while you are on a common carrier (airplane, boat, train, bus, etc), and only if you purchase the tickets on the card.

Scotiabank Gold American Express Travel Insurance

The Scotiabank Gold American Express (the link is to our review of the card) card offers travel insurance for seniors, plus some other perks.

  • $99 annual fee, but the card ofen offers some fantastic sign up bonuses
  • $1 million travel emergency medical insurance
  • For those over 65 years of age, Travel Emergency Medical Insurance for the first 10 days of each trip. You can buy additional insurance if your trip is longer than 10 days.
  • Trip Interruption $2,500 per person ($10,000 maximum per trip for all Insured Persons)
  • Trip cancellation $2,500 per person ($10,000 maximum per trip for all Insured Persons)
  • Flight Delay $500 per trip
  • Lost and Delayed Luggage ($1,000 per trip)
  • Common Carrier Travel Accident Insurance of up to $500,000
  • Check out Scotiabank’s website for the Scotiabank Gold American Express card for more information, and to help you compare cards

Scotiabank Platinum American Express card

The Scotiabank Platinum American Express Card also offers travel insurance for seniors, plus some other perks. While the $399 annual fee is pretty hefty, the card does offer a slough of perks for those interested in platinum card with travel insurance benefits.

  • $399 annual fee
  • $2 million travel emergency medical insurance benefits
  • For those over 65 years of age and older, Travel Emergency Medical Insurance for the first 10 days of each trip. You can call the Insurer to buy additional insurance if your trip is longer than 10 days.
  • Trip Interruption $2,500 per person ($10,000 maximum per trip for all Insured Persons)
  • Trip Cancellation $5,000 per person ($25,000 maximum per trip for all Insured Persons)
  • Flight Delay ($1,000 per trip)
  • Lost and Delayed Luggage ($1,000 per trip)
  • Common Carrier Travel Accident Insurance (up to $500,000)
  • Check out Scotiabank’s website for the American Express® Platinum Credit Card  for more information, and to help you compare cards

The Bottom Line

Overall, we like comparison site Kanetix.ca for a quick, fast way to get travel insurance.

Click here to get a quote from Kanetix.

Compare travel insurance quotes.
Travel insurance for seniors offered through Canadian credit card companies has improved greatly in the past year.

Overall, we like Kanetix.ca e to start when shopping for travel insurance for seniors in Canada. Their quick online quotes let you compare several companies quickly, and give you a good baseline for costs.

Click here to get a quote from Kanetix.

 

As always, the information in this post is from one traveller to another and please remember, we are not travel insurance agents. We have spent years abroad and have gotten to know the ins and outs of the industry however, if you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, always consult your insurance policy since that is the legal document to which you are agreeing to.