Canadian Travel Medical Insurance for Seniors and Snowbirds

Bigger savings often come from finding a policy that:

• Locks rates until December (or for the season)

• Uses more favourable age brackets (e.g., 62, 67, 72, 77, 82, 87)

• Has simpler medical questions for minor conditions (e.g., cholesterol, osteoporosis, older stent)

• Bases some eligibility on medication count (e.g., “3+ blood pressure meds”)

We can also show options that may:

• Reduce premiums by excluding pre-existing condition coverage

• Offer shorter stability periods (e.g., 7, 30, or 90 days)

• Provide discounts (often up to 20%) if you don’t insure stable pre-existing conditions

• Offer plans that waive pre-existing-condition wording for added peace of mind

• Lower your price with a higher deductible (with better discount tiers)

You can find all these policies online, but sometimes, it's just easier to call us and let us help you personally. Call us at 1-888-888-0510 for assistance. 

Any companies require travellers over age 54 to answer a medical questionnaire before purchase. If you are aged 55-59, though (or travelling for a period of time of less than 31 days under age 79), it may be better to buy a different policy that doesn't ask any medical questions.  

On our website, once you complete the quote request form to ask for a quote:

• You will be shown a selection of policies that you can choose from, and what they cost based on 'perfect health.'

• If a blue 'Purchase' button marks the policy, no medical questionnaire is required, and the policy may be purchased by proceeding through our secure, encrypted, Payment Card Industry compliant check-out process. 

• If the policy is marked with a red 'Answer Medical' button - you will need to click to open the questionnaire. Once complete, you will be returned to the quote page where the price has been refreshed with the blue 'Purchase' button. 

Usually, answering the three questionnaires that first appear to be 'lower-priced', will result in finding the lower priced policy. But that is not always the case if you have a more complex medical condition. In that event, we encourage you to call us because we can usually sort through the list of questionnaires much faster than you can to find the best result.  

When you request a quote, all policies initially appear at a zero deductible. You can choose a higher deductible to reduce your premium - for example, a $500 deductible typically lowers your premium by 10–15%, but means you'd pay the first $500 of any claim.

Below each insurer's logo you'll find a policy Summary and the full Policy Wording to download and review before buying. We recommend reading the policy wording prior to purchase.

On some quotes, BestQuote's Direct Underwriting Service may appear. Clicking the green button lets you complete a screening questionnaire, after which one of our advisors will contact you to recommend appropriate coverage.

While complete self-service is possible, we recommend calling us once you've received your quote so we can review the options together. Call us toll-free at 1-888-888-0510 - we'll be glad to help.

Want to learn more about travel insurance for snowbirds? Check out our blog for travel guides, comparisons, and money-saving tips to help you make the right decision.

Buying travel insurance through BestQuote is quick and easy:

1. Fill in our online quote form with your trip details - departure date, return date, destination, province of residence, and traveller date of birth.

2. Instantly compare prices and coverage from Canada's top insurance companies. Review real prices, deductible options, coverage details, and key benefits side by side.

3. Purchase online in minutes - your policy documents are delivered immediately by email. We recommend saving a copy for your records and bringing a printed copy with your travel documents.

Prefer to speak with an advisor? Call us toll-free at 1-888-888-0510 and we will help you find the best policy at the best price for your needs.