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Travel Medical Insurance for Canadian Snowbirds and Seniors


Get Your Best Quote for Travel Insurance


Choose from excellent travel insurance plans for snowbirds and seniors from different Canadian insurance companies that provide coverage that can match your individual health needs.


Most travel medical insurance plans for Canadian seniors and snowbirds are medically underwritten, and travelers have to complete a medical questionnaire to determine their eligibility and cost of insurance. When travelers need coverage for pre-existing medical conditions, coverage for pre-existing medical conditions requires special consideration when choosing travel medical insurance.


On this page, you can complete medical questionnaires with various Canadian travel insurance providers, submit them to us and we will help you select the travel medical insurance plan, which is right for you. Please CLICK HERE to fill out the medical questionnaires.


Travel medical insurance without medical questionnaire is also available for limited trip lengths.


Canadian snowbirds and seniors can also get their instant ONLINE quotes or buy insurance directly from insurance providers: Manulife, GMS, TuGo, RSA, TourMed. Please click on the following links and you will be redirected to the insurer's secure website:

Manulife Financial

Group Medical Services (GMS)

TuGo Traveller

RSA Travel

TourMed Travel

There is no age limit: travelers 70, 75, 80, 85, 90+ years old are welcome.

What's on This Page

Medical Questionnaires

●  No Medical Questionnaire Plans

    (limited trip duration)

●  Stable Pre-Existing Conditions

●  Unstable Pre-Existing conditions

 Annual Multi-Trip Plans

 Topping-up  your existing policy

●  Trip Cancellation & Interruption

    Insurance - Get ONLINE Quote

●  What to do if you got sick or injured

 Get a quote

For assistance or to buy a policy,

please call at 

416-493-0101   1-877-443-0101

What travel insurance is right for you?

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

1) Do I qualify?

Make sure that you meet the eligibility requirements.

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.

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 a particular policy, you can purchase this policy and you will have medical coverage for sudden and unexpected emergency, which may occur outside your province of residence.  


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


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.

Medical questionnaires are slightly different with various insurance companies and you may qualify for better rates with one of the companies and get higher rate with another one. Click here to complete Medical Questionnaires and check your travel rates with various insurance providers.


No medical questionnaire 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.

However, 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 prior to the effective date of the policy.

●  RSA 60 to 79 Vacation Plan (underwritten by Royal & Sun Alliance Insurance Company):   maximum of 30 consecutive days for applicants 60 to 79 years of age, 90-day stability period for pre-existing medical conditions. Click here for more information.

●  Destination Travel Leisure plan : maximum of 25 consecutive days for applicants up to 74 years of age, 90-day stability period for pre-existing medical conditions. (Get a quote & buy ONLINE).

●  Travelance Emergency Medical Insurance (underwritten by Old Republic Insurance Company):

- up to 60 days for applicants 60-69 years old, and

- up to 16 days for applicants 70-89 years of age.

Single trip and annual plans, 180-day or 365-day stability period for pre-existing conditions depending on your age. (Get a quote & buy ONLINE).

●  True Escape Travel Insurance (underwritten by Northbridge General Insurance Company) : Policy Wording and Benefit Summary

- up to 182 days for applicants 61-65 years old;

- up to 61 days for applicants 66-75 years old;

- up to 44 days for applicants 76-80 years old;

- up to 15 days for applicants 81-85 years old; and

- up to 8 days for applicants 86-90 years of age. 

Standard stability period is 365 days. 180-day, 90-day and 7-day reduced stability period options are available at additional cost.

Please call at 416-493-0101 or 1-877-443-0101 for more information, to get a quote and to buy insurance.


3)  Will my pre-existing condition be covered?

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.

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.

Most travel medical insurance policies cover emergency medical expenses relating to a pre-existing medical condition, if this condition has remained STABLE during certain period of time before the effective date as stated in the policy wording. Stability period may vary from 90 days to 365 days and may depend on the applicant's age and rate category as determined on the medical questionnaire.

Some policies have reduced stability period riders: please click here for more information.

Definition of STABLE may be a little bit different with various insurers. Basically, STABLE means: there were no new symptoms, new medications or alteration in medications, dosage and frequency of taking, no new treatment or change in treatment, no hospitalization, no tests or medical consultation scheduled or recommended within this stability period. Please refer to the policy wording for definition of stable pre-existing conditions.

Pre-existing condition exclusion applies to each condition separately whether it is mentioned in the medical questionnaire or not. 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.


Medical Questionnaires


Application for medical insurance for snowbirds and seniors usually include a medical questionnaire to determine your eligibility, and travel insurance rates depend on your answers to medical questions on this questionnaire.

Medical questionnaires are slightly different with various insurance companies and you may qualify for better rate with one of the companies and get higher rate with another one.

     a) If you are shopping around for the best rate, you can complete medical questionnaires with a few insurance providers.

Please click on "Questionnaire" in the table below, fill out the questionnaire with a few insurers and submit: we will get your questionnaires and help you to choose the best solution based on the information on these questionnaires.

      b)  OR call us for consultation, which questionnaires may be the most favourable for you.



Important!  Medical questionnaire is a part of your insurance policy and inaccurate or incorrect answers may make the policy void and no claims will be paid. Please read the questions carefully and if you have any doubt about your medical conditions as it relates to the medical questions in the questionnaire, you should consult your physician for advice before completing the questionnaire.


Eligibility Requirements and Medical Questionnaires

Insurance Providers

Plans Details

Complete Medical Questionnaires Online & Get Your Best Quote

Coverage for

Pre-existing Medical Conditions*

Get Your Instant Quote

or  Buy Online

directly from the Insurer

Manulife Financial

Plan details


Applicant's age: 60 & over on the application date

Click here

Buy Online

Group Medical Services (GMS)

Plan details


Applicant's age: 60 & over on the application date

Click here

Buy Online

TuGo TRAVELLER  Insurance

Plan details


Applicant's age: 60 & over on the application date

Click here

Buy Online

TuGo QUEST Travel Insurance

Plan details


Applicant's age: 55 - 89 on the application date

It is a solution for applicants with unstable pre-existing condition: Optional coverage for up to $150,000 for unstable pre-existing condition is available
Click here

Allianz Global Assistance

 Plan details


Applicant's age: 60 - 89 on the effective date

Click here 


21st Century Travel Insurance

Plan details


Applicant's age: 60 & over on the application date

Click here


RSA Travel Insurance

Plan details

Applicant's age: 60 & over on the application date

Click here Buy Online

Destination Travel Health Plan

Plan details

Applicant's age: up to 89 on the application date

Optional Reduced Stability Period for pre-existing medical conditions is available
Click here

Tour+Med Travel Insurance
Plan details

Questionnaire Optional 30-day Reduced Stability Period for pre-existing medical conditions is available Buy Online

* Refer to the policy wording for details on the coverage provided, conditions, exclusions and limitations.

Please call at 416-493-0101, 1-877-443-0101, if you have questions, need assistance, or want to buy insurance.


Travel Medical Insurance with Reduced Stability Period Options and Individual Underwriting

•  TuGo Quest Travel Medical insurance

You may be eligible for Quest Travel Insurance with TuGo. Quest Travel Insurance offers Guaranteed Stability Option, which covers unstable pre-existing medical condition  to a maximum of $150,000 (Conditions for which symptoms arose or for which medical consultation was required or took place on the date of departure or at any time within the 7 days prior to the date of departure, other than a minor ailment, will not be covered, anyway).

You can also apply for future insurability rider, which is important for multi-trip plans. Future Stability Option provides coverage for a pre-exiting condition which is stable at the time of application, but becomes unstable between the application date and departure date.


•  Destination Travel Health Plans

This policy may include the Reduced Stability Period Option. You may qualify for 30-day, 90-day or 180-day reduced stability period for your pre-existing medical condition, depending on the plan you are eligible for based on your answers to medical questions on the application. Amount of coverage for a pre-existing medical condition that has been stable within a reduced stability period is up to $150,000.


•  Tour+Med Travel Insurance

With this policy, you may qualify for the 30-day Reduced Stability Period Option. By paying an additional premium, you can choose to reduce the period of stability from six (6) months to 30 days for a specific medical condition identified on your policy application. There is also the Optional Exclusion Option: In exchange for a lower premium, you may choose the Optional Exclusion Option for the medical conditions mentioned in your Personalized Medical Declaration.


•  True Senior Guard Travel Insurance underwritten by Northbridge General Insurance Company

This policy covers pre-existing medical conditions which have been stable within 365 days before the policy effective date (or departure date for Multi-trip plans). However, at the time of purchase, you can add option to reduce stability period to 180 days, or 90 days, or 7 days at additional cost.


•  Individual Medically Underwriting Plan (underwritten by Manulife) If you have been denied coverage before and/or have unstable pre-existing medical conditions, you may be eligible for an individual medically underwriting plan. It is emergency medical insurance that covers fully disclosed pre-existing conditions without a stability clause and the cost of your insurance is based on your own specific health situation. It is necessary to declare ALL medical conditions, that, in the last 5 years, have been diagnosed, or that the traveller has received treatment or taken medication for. If the eligibility requirements are met, all declared conditions will be covered while traveling. Please call at 1-877-443-0101 for more information and to get a quote.


Other Exclusions and Limitation

- Travel insurance does not cover conditions for which, prior to departure, testing or investigative consultation took place, was scheduled or recommended (not including routine check-up), and for which results had not yet been received at the time of departure.

-  Emergency medical insurance does not pay for prescription drugs or medicines, appliances or devices provided to monitor or maintain stable pre-existing medical conditions.

Travel Medical insurance policy has a row of exclusions and limitations. Please refer to the policy wording for all exclusions, limitations and conditions of the policy. Call us for free 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. 4, 8, 10, 15, 18, 20, 30, 35, 60, 95, 105, 125, 155 day multi-trip plans are available with different insurers.


You’ll be covered for 12 months and can travel for an unlimited number of trips up to the trip duration you have chosen.  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. For any trip which is longer, you can purchase a top-up before your departure.

For example, if you take 2-3 or more trips during one year and most of your trips are less than 30 days, it makes sense to buy a 30-day annual multi-trip plan and then buy a top-up for a longer trip. It may be the most cost-effective solution.


If you are under 60, click here to  get your instant online quote, no medical questionnaire required.

Generally, applicants 60 years old and over have to complete a medical questionnaire  on the application for annual plans. 

However,  15-day and 30-day plans  with Travelance Travel insurance do not require medical questionnaire  for applicant up to 69 years of age, more information >>


In the event of claim, proof of original departure from and return to your province of residence has to be enclosed to a claim form. It may be : Airline tickets, Boarding passes, Gas receipts, Hotel receipts, Meal receipts, Toll highway receipts, Duty-free shop receipts, Copy of credit card statement showing purchases made in province of residence before and after your trip (refer to the policy wording for details).



If you have already Emergency Medical plan (single-trip or multi-trip) but you need coverage for more days than you have with the existing plan, you can purchase top-up coverage. You should purchase a top-up before leaving your province of residence.


With many insurance providers, daily rates for top-up coverage 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 original policy. Please review your original policy if it provides an automatic extension of coverage in the case of hospitalization on the expiry date of the original 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.


Deductibles and Savings
Deductible amount means the amount of covered expenses that you are responsible for paying per person per emergency claim. The deductible amount is shown on your confirmation of coverage. You can choose deductibles: $0, $250, $500, $1,000, $2,000, $5,000, $10,000, $50,000, $100,000 (depending on the plan selected): the greater deductible the less premium you have to pay.

Manulife Financial, GMS, RSA Travel, TuGo Quest, Destination Travel, 21st Century plans provide a 5% discount for coverage for a couple.


Trip Cancellation & Interruption Insurance

The cost of your travel arrangements are covered when you purchased Trip Cancellation & Interruption Insurance plan. The benefits payable under this policy are limited to the travel costs that are non-refundable.

Please click here for more information and get your Instant Online Quote from various insurance providers.

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.


Get your best quote


For more information, free consultation and to purchase a policy please call at

 416-493-0101, 416-458-4577, 1-877-443-0101 

or ask your question online

Ask a Question

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Revised: October 09, 2019