Travel Insurance for Seniors (60+)
Personalized 60+ pricing
Travellers 60 and over are priced individually after a short Medical Questionnaire — a licensed advisor confirms your exact rate in one short call.
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Travelling at 60, 75, or beyond — or heading south for the winter? You can still get emergency medical coverage up to $5M on eligible Canadian Traveller plans. A short Medical Questionnaire sets your price, not your eligibility.
Who it’s for Medical Questionnaire Stability periods When to buy
Coverage Security Snowbirds What’s included Cost FAQ
Who senior travel insurance is for
How the Medical Questionnaire works
If you’re 60 or older, the insurer uses a short Medical Questionnaire to set your premium. It’s used to price the policy rather than to refuse you on age alone, and travellers 59 and under don’t need one at all. Answer it carefully — accuracy is what protects your coverage at claim time.
What it covers, in plain terms: questions about diagnosed conditions, treatments and medications over defined look-back periods. Have your medication list handy, answer exactly what’s asked, and don’t guess — if a question is genuinely unclear, ask before answering. Because the questionnaire is done with an advisor rather than a web form, you’ll never fail it by mis-clicking: request a callback from the contact page and it’s handled in one short call.
Eligibility, questionnaire rules and limits are defined by the policy wording and can change — confirm the current terms before you rely on them.
Stability periods by age
On the Traveller plan, a pre-existing condition must be stable (no change to symptoms, medication, or treatment) for a set period before departure:
Stability rules differ by product and can change — the Visitors to Canada plan uses different periods. Confirm the current figures in the policy wording. See the pre-existing conditions & stability hub.
When to buy: why earlier genuinely beats later
Two mechanical facts — not sales pressure — reward buying early:
Also worth knowing: you have 10 days from the application date to review the policy and cancel for a full refund (provided travel hasn’t started) — so buying early carries no lock-in risk. Refund details.
Coverage Security — the $15,000 safeguard
Some insurers void the whole policy over an honest mistake on the medical questionnaire. On eligible plans, a discrepancy instead triggers a $15,000 deductible rather than denying the claim outright — so a good-faith error doesn’t automatically erase your coverage. Confirm the exact Coverage Security terms in the policy wording.
Multi-Trip Annual plans for snowbirds
If you travel more than once a year, a Multi-Trip Annual plan covers repeat trips up to a set per-trip length on a single annual policy — often better value than insuring each trip on its own. It’s a common fit for snowbirds who winter south and take additional short trips through the year. Compare it against a single long-stay policy in your quote.
Before you choose, check three things honestly:
- Your longest single trip — an annual plan’s per-trip limit must fit your longest stay, not your average one. If the winter stay runs past the per-trip limit, a single long-stay policy (or a top-up) is the right comparison. The snowbird coverage duration tool does this arithmetic for you.
- How many trips you really take — two or more trips a year is where annual plans usually start winning on price.
- Your health-history timing — the stability periods above apply per departure; a mid-year medication change affects later trips in the same policy year.
What’s included on eligible plans
| Feature | Detail |
|---|---|
| Flight-delay payout | Automatic flight-delay benefit — a lounge pass or cash payout when an eligible flight is delayed 2+ hours (registration required; included on eligible plans). |
| Telemedicine | Speak with a doctor by phone while travelling in the US, in 10+ languages. |
| Emotional assistance | Emotional support by phone while you’re away. |
| 24/7 assistance | Multilingual coordinators who deal directly with hospitals. |
Included features and limits vary by product and plan — confirm what applies to your policy in the wording.
How much does it cost?
There’s no fixed price. Premiums depend on your age, the coverage amount, the trip length (or annual vs single trip), your deductible, and any pre-existing conditions assessed in the questionnaire. Get an exact figure from a quote.
Changed your mind? You have 10 days from your policy’s application date to review it — cancel within those 10 days, provided you haven’t started travelling and the policy hasn’t expired, for a full refund, no fee. Refund details.
Senior travel insurance FAQ
Is there an age cut-off?
Do I need a medical questionnaire?
What should I have ready for the questionnaire?
What if I make a mistake on the questionnaire?
When should I buy — now or closer to departure?
What’s the best option for snowbirds?
In a medical emergency abroad, call the assistance line before treatment so the team can direct your care and coordinate billing with the hospital. Multilingual, collect calls accepted worldwide.
All emergency numbers — including direct hospitalization and Mexico lines — are on the claims & emergency page. Assistance is provided by TuGo, the policy administrator.
