Best Travel Insurance Canada:Traveling in your golden years should be stress-free! Choosing the best travel insurance Canada for seniors ensures you can explore with peace of mind. Whether it’s a cruise, a cross-country road trip, or an international vacation, the right insurance protects you from unexpected costs.
Based on the latest best travel insurance Canada reviews, we’ve rounded up the top companies for seniors, key features, and FAQs you need before booking your next trip.
Why Seniors Need Travel Insurance in Canada
As you age, medical risks can increase. Travel insurance helps cover:
- Emergency medical expenses
- Trip cancellations or interruptions
- Lost or delayed baggage
- Coverage for pre-existing medical conditions
- 24/7 emergency assistance
Without insurance, medical bills abroad can reach thousands of dollars — even in nearby destinations like the U.S.
Best Travel Insurance Companies for Seniors in Canada (2025)
Here are the top-rated options based on reviews and expert ratings:
1. Manulife Travel Insurance
- Coverage: Emergency medical up to $10 million
- Pre-Existing Condition Coverage: Available with stability period
- Special Perk: Travel interruption and cancellation protection add-ons
2. TuGo Travel Insurance
- Coverage: Flexible options for trips of all lengths
- Pre-Existing Condition Coverage: Very senior-friendly
- Special Perk: Optional sports coverage
3. Blue Cross Canada
- Coverage: Extensive coverage across Canada and abroad
- Pre-Existing Condition Coverage: Generous options
- Special Perk: 24/7 virtual health consultations
4. Allianz Global Assistance
- Coverage: Trip cancellation, interruption, and baggage coverage
- Pre-Existing Condition Coverage: Available with upgrades
- Special Perk: Highly rated customer support
The best travel insurance Canada for seniors offers peace of mind, reliable emergency protection, and flexibility. Trusted names like Manulife, TuGo, and Blue Cross have been rated highly in the best travel insurance Canada reviews for their excellent coverage and service.
Ready to travel worry-free? Compare quotes today and book your next adventure with confidence!
FAQs
Q1. What is the age limit for travel insurance in Canada?
Most companies offer coverage for seniors up to 85 or even 90 years old, though premiums may be higher.
Q2. Can I get coverage for pre-existing conditions?
Yes! Many insurers like Manulife and TuGo offer pre-existing condition coverage if the condition is stable for a specific period (e.g., 90 days).
Q3. How much does travel insurance cost for seniors?
Costs vary by age, destination, trip length, and health history. Expect to pay between $50–$500 depending on your coverage needs.
Q4. Can I buy travel insurance after leaving Canada?
Some insurers allow late purchases, but it’s usually better (and cheaper) to buy before you depart.
Q5. Is COVID-19 covered under senior travel insurance?
Most plans now include COVID-19 medical and cancellation coverage, but always double-check the policy details.