Medipac Travel Insurance Review

Medipac, established in the 1980s, is one of Canada’s best-known medical insurance companies and is especially popular with seniors. Medipac is endorsed by the Canadian Snowbird Association and the Royal Canadian Legion.

Advantages

  • No age limits for travel insurance plans
  • A claim-free discount and other discounts (save up to 20%)
  • A 90-day stability period for most pre-existing conditions, which is shorter than many other companies
  • If you have a pre-existing condition not covered by a Medipac plan, Medipac offers individual underwritten, personalized insurance policies. To get a personalized policy, call Speciality Services at 1-877-888-5259 and ask for the Individual Underwritten Application to apply.
  • An easy-to-use online application 

Disadvantages

  • There is a lengthy medical questionnaire for older applicants, though this is standard for many travel insurance companies in Canada.
  • Medipac’s online application must be completed in Canada.
  • Trip lengths of 184-212 days are unavailable in Nunavut, Prince Edward Island, or Quebec.
  • Changes and extensions to existing policies are not accepted via email.

Medipac Emergency Medical Insurance Plans

Medipac offers single-trip travel medical insurance and multi-trip annual options, a 23-day multi-trip and a 33-day multi-trip annual plan. Trip cancellation insurance was a Medipac optional add-on but is no longer available. 

Single-Trip Travel Medical Insurance Plan

The Medipac single-trip travel medical insurance plan includes emergency medical benefits of up to 2 million USD per person or 5 million USD per person with MedipacMax. COVID-19 is also covered.

Annual Multi-Trip Travel Insurance Plan (23 days)

The Medipac 23-day annual plan covers you for multiple international trips of up to 23 days each within a single year. Like the single-trip plan, the 23-day annual plan includes emergency medical benefits of up to 2 million USD per person or 5 million USD with MedipacMax. COVID-19 is covered.

Annual Multi-Trip Travel Insurance Plan (33 days)

The Medipac 33-day annual plan works the same way as the 23-day policy. You get trips of up to 33 days each during your multi-trip plan. You also can choose between the standard 2 million USD in coverage or upgrade to MedipacMax to get up to 5 million USD. COVID-19 is covered. 

Medipac Travel Insurance Comparison Chart

PlanMedical Insurance CoverageDeductibleTrip Cancellation and InterruptionBaggageAge Limit for Coverage
Travel Medical Single Trip2 million USD
(5 million with MedipacMax)		$0 – $10000 (in USD)

❌

❌

No age limit
Annual (Multi-Trip) Emergency Medical 23-day & 33-day Plan2 million USD
(5 million with MedipacMax)		$0 – $10,000 (in USD)

❌

❌

No age limit

Refunds

No refunds are available if a claim has been incurred. The premium for an annual add-on cannot be refunded if coverage has begun. Your refunds must be in writing from within Canada. 

A full refund before the effective date of the policy is only available in the following cases: 

  • The policyholder or their spouse is unable to travel due to a sickness or injury (a physician statement is required);
  • The policyholder cannot travel because of a death in the immediate family.

An administration fee of $50 will be charged per policy for a full refund. 

A partial refund with an administration fee of $20 per person is available if the policyholder returns to Canada prior to the scheduled return date (at least ten consecutive days must be unused). You should have proof of return, e.g., a boarding pass, a receipt with the return date and Canadian address, etc. 

How to save money

  • With a combination of Medipac discounts, PEI, Nunavut, the Northwest Territories or Yukon residents can save up to 25%.
  • The claim-free discount can save you up to 10 %.
  • Medipac’s loyalty credit can save you up to 10%.
  • If you’re new to Medipac, you may be able to save up to 5% with Medipac’s Claim-Free Advantage Discount. 
  • If you pay by cheque, you can spread the premium by paying 50% of your premium when you apply and 50% one month later.
  • You’ll save on your premium if you choose a higher deductible (deductibles range from $0 to $10,000).
  • If you are a federal superannuate member of the Public Service Health Care Plan (PSHCP), you can get Medipac Travel Insurance for your entire trip. With Medipac insurance, you get a discount and an upgraded 40-day annual plan at no extra cost. 

You Need to Know

  •  Old Republic Insurance Company of Canada underwrites Medipac Travel Insurance products.
  • All applicants need to have a current Canadian Government Health Insurance Plan for the length of their coverage.
  • Policies and coverage can change at any time without warning. This article is intended as general advice. Please check your policy carefully.

How to Learn More

Learn more on the Medipac website.

Want to Compare Medipac’s Rates?

The easiest way to compare Medipac’s rates with other Canadian travel insurance policy costs is to use a comparison website.

Comparison websites, like BestQuote Travel Insurance, let you compare travel insurance options from several companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice. 

Still looking? We also have reviews of CARP travel insurance, Allianz travel insurance, and TuGo travel insurance.

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