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There is no age limit to travel, and all travellers have one thing in common – all want a happy, memorable trip.

While vacations can be exciting for seniors, the planning process can be daunting for those unfamiliar with it. It is important to travel safely and conveniently without compromising on fun. With the right travel insurance for your unique trip, and a little extra preparation, an enjoyable and stress-free vacation is possible.

What does travel insurance cover for senior travellers?

Travel insurance is as unique as the travellers themselves. Common coverages include emergency medical coverage, trip cancellation, trip interruption and baggage coverage. To find the best plans and coverages available for your trip, we recommend answering a few quick questions in our quote process for a list of policies available specifically for your travel plans.

Always review eligibility requirements, exclusions, and the specific details in the policy document to ensure you qualify for the coverage before purchasing a plan and to ensure that you select the type of coverage that addresses your specific travel needs.

Medical coverage, specifically as it relates to pre-existing conditions, is an important consideration. A pre-existing condition can be any medical condition that exists before your departure date. If you do have a pre-existing condition, it is common that only conditions meeting the stability requirements stated in your policy will be covered in the event of an emergency relating to this condition. “Stable” often means there have been no new symptoms, no new or alternative medications, no new or changed treatments, no hospitalizations, and no new tests or medical consultation scheduled within this stability period. Always refer to your policy’s specific definition of stable pre-existing conditions.

How much is travel insurance for seniors?

Travel insurance for seniors is not one-size-fits-all and is as unique as the travellers themselves and cost will vary. It is important to ensure your insurance policy offers the right coverage for your individual needs and circumstances. Some factors that are considered in the price of the policy are your length of trip, trip cost, and age at the time of travel.

Who qualifies as a senior citizen in Canada?

There is no universally accepted age that determines when a person becomes a senior citizen in Canada. Some government services for senior citizens are available as soon as 55 years of age, whereas others are not available until a person is at least 60 or 65.

In terms of travel insurance, there is not a single, specific age for a traveller to be considered a senior citizen. Available coverages and costs vary depending on travel plans, traveller details, and other factors.

Travellers over the age of 59 may be asked to fill out a medical questionnaire from their insurance provider.

What is the best travel insurance for seniors?

The best travel insurance is dependent upon the unique details of the traveller and their travel plans. When comparing insurance policies, always be sure to read the fine print and understand the details.


DISCLAIMER: This guidance in this article is provided for informational and educational purposes only. It is intended to offer guidance regarding travel insurance and the benefits which may be available. It does not guarantee coverage for any traveller. The information in this article reflects the most up-to-date information available at the time of publication. If you have questions regarding specific coverage details or available travel insurance plans, please contact our licensed customer care team.