Medipac Travel Insurance Review
Medipac is one of Canada’s most recognized travel insurance providers for seniors - especially snowbirds who spend extended time in the United States. They have been operating since 1988, and their policites are underwritten by the Old Republic Insurance Company of Canada.
Endorsed by the Canadian Snowbird Association (CSA), Medipac focuses on comprehensive emergency medical coverage rather than bundled packages. Their plans are built for long-duration travel and offer high coverage limits with optional stability period reductions for pre-existing medical conditions.
Medipac sells all of its policies itself, as opposed to using a broker distribution network. As a result, it relies on repeat business and advertising and selling skills (we'll give you a 'discount') to attract clients. Medipac focuses on the snowbird market, that is, Canadian retirees travelling for one to seven months to the USA for the winter. Its products are primarily designed for this specific market. Medipac’s prices tend to start at similar or slightly higher levels than many competing products, but various discounts are available to claims-free clients, returning clients, and early birds.
Medipac is most popular with snowbirds aged 60+.
Medipac Standout Policy Benefits
Cremation at Place of Death
Up to $5,000
Return of Vehicle
Up to $5,000
Paramedical Services
Chiropractor up to $500. Other paramedical service providers also up to $500.
Medipac Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
Specifically designed for retirees and snowbirds, not general travellers | Long and complex medical questionnaire, historically requiring paper signatures |
Discounts available for early birds, claims-free travellers, and loyal customers | Lower base coverage limit (US$2 million) vs. $5M–$10M offered by many competitors |
An Individualized Underwritten Insurance plan is available for individuals with pre-existing conditions that don’t meet the regular travel plan requirements. | Refund policy is restrictive, only applying to early returns of at least 10 days |
Deductible options up to $10,000, suiting a range of budgets. | A trip length of 184-212 days is not available for residents of NU, PE, and QC. |
Difficult to find details on each Medimax plan. |
