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Attention Canadian Snowbirds and Seniors!

 

Get Your Best Quote for Travel Insurance

 

Shop for your best travel insurance plan with us: choose from excellent travel insurance plans for  snowbirds and seniors offered by different Canadian insurance companies and which provide coverage that can match your individual health needs.

Most travel medical insurance plans are medically underwritten and you have to complete a medical questionnaire to determine your eligibility and the cost of your insurance. You can complete medical questionnaires with various Canadian  travel insurance providers ONLINE on this page and we will help you to select  insurance plan, which is right  for you. Please CLICK HERE to fill out medical questionnaires and get your best quote.

You also have an option to get an instant quote or buy insurance ONLNE directly from Manulife,   GMS,   TuGo Traveller,  RSA Travel , no age limit. However, please note: All travel insurance policies have the eligibility requirements. If you are eligible, you will be required to complete a medical questionnaire to determine the cost of your insurance. The medical conditions disclosed on the medical questionnaire may NOT be covered. There are the stability requirements for pre-existing conditions on the policy, which may affect your pre-existing medical conditions coverage. All policies have exclusions, conditions, and limitations. If you have questions, please contact us before purchasing a policy.

What's on This Page

Medical Questionnaires

●  Short-Term Trips (no medical questionnaire)

●  Pre-Existing Condition Exclusion

●  Individual Medically Underwriting Plan

●  Annual Multi-Trip Plans

●  Topping-up  your existing policy

●  Deductibles and Savings

●  Non-Medical Travel Insurance Plans

●  What to do 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?

The cost of your insurance depends on your answers to medical questions on the medical questionnaire, which may be required at the time of application. Make sure that your  answers are correct and accurate. Any incorrect answer may make your policy void.

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.

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 a few insurance providers.

No medical questionnaire for short trips. If your trip is not long (up to 16-25 days depending on your age, or up to 60 days for applicants 60-69 yeas old), you can also consider travel medical insurance without medical questionnaire in the application. You do not need to complete a medical questionnaire to determine your rate category: the cost of your insurance  will depend on your age. However, you must meet the eligibility requirements to apply for this policy.  Click here for more information.

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.

Definition of STABLE may be a little bit different with various insurers. Basically, STABLE means: there were no new medications, new symptoms, no alteration in medications and dosage, no hospitalization, no new treatment, tests or consultation scheduled 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 emergency related to this condition.

 

What options you have if your pre-existing condition is not stable

     a) Coverage for unstable pre-existing conditions. 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.

Please click here for more information and to complete the Quest medial questionnaire to determine your eligibility and rate category.  

     b) Reduced Stability Period. You may be eligible for Destination Travel Health plan, which offers Reduced Stability Period Option. Please click here for more information and to complete the Destination medial questionnaire to determine your eligibility and rate category.

     c) Individual Medically Underwriting Plan. 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. PrimeLink TravelSense is one of these options. 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. All declared conditions will be covered while traveling. Please click here for more information and to get an instant quote.

 

Other exclusions:

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.

 

Medical Questionnaires

If you are 60 or over, you have to complete a medical questionnaire to determine your eligibility, and travel insurance rates depend on your answers to medical questions on this questionnaire.

Short trips: If your trip is short and you do not want to complete a medical questionnaire, you can consider travel medical insurance  WITHOUT medical questionnaire (for age up to 89) . Please click here for more information.

 

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.

 

HOW TO GET YOUR BEST QUOTE: 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.

      c) You also can complete the questionnaire and get your instant quote directly from the insurer: click on button <Buy Online> in the right column of the table below and you will be redirected to a secure insurer's website. Follow the on-screen prompts.

 

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

Questionnaire

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

Click here

Buy Online

Group Medical Services (GMS)

Plan details

Questionnaire

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

Click here

Buy Online

TuGo TRAVELLER  Insurance

Plan details

Questionnaire

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

Click here

Buy Online

TuGo QUEST Travel Insurance

Plan details

Questionnaire

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
n/a

Allianz Global Assistance

 Plan details

Questionnaire

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

Click here

n/a

21st Century Travel Insurance

Plan details

Questionnaire

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

Click here

n/a

RSA Travel Insurance

Plan details

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

Click here Buy Online

Destination Travel Health Plan

Plan details

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

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

* 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.

 

Short - Term Trips (no medical questionnaire required)

If you are 60-89 years of age and your trip is not long, you can consider travel emergency medical insurance without medical questions on the application. 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 in 90 or 180 day prior to the effective date of the policy(depending on the plan).

●  RSA 60 to 79 Vacation Plan :  maximum of 30 consecutive days for applicants 60 to 79 years of age

●  Destination Travel Leisure plan : maximum of 25 consecutive days for applicants up to 74 years of age (Get a quote & buy ONLINE).

●  Travelance Emergency Medical Insurance 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 (Get a quote & buy ONLINE).

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

 

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. Choose from 4, 8, 10, 15, 18, 20, 30, 35, 60, 95, 105, 125, 155 day multi-trip plans 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.

 

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 : Originals or copies of airline tickets, Boarding passes, Original gas receipts, Original hotel receipts, Original meal receipts, Toll highway receipts, Original 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).

 

Top-ups

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 must purchase a top-up before leaving your province of residence.

 

Most insurance providers calculate travel insurance premiums for top-up coverage taking into account 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 by 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 at the last date of the original policy.

 

Also, check your existing policy, if it permits a top-up from different insurers without losing coverage. Some policies do not allow purchasing top-up coverage from other insurers.

 

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.

 

Non-Medical Travel Insurance Plans

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

All-Inclusive policy may include  Emergency  Medical insurance, Trip cancellation Insurance & Interruption, Baggage Loss or Damage, Flight & Travel Accident insurance.  

Please click here for more information about NON-medical travel plans.

 

Note:  Please refer to the policy wording for full details of coverage provided and exclusion, limitation, conditions of the policy as well as for the claim procedure.

 

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

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Revised: February 23, 2018