travel insurance canada for seniors

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Travel Insurance for Canadians

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Medical Professionals for travel medical insurance

* The above rate categories are based on one’s medical condition, as determined by a series of medical questions on the application . Coverage is the same for all categories. ** For a more detailed quotation, please visit our detailed quote page, where you can enter additional information, such as your province, discount, etc. *** All quotations are subject to change without notice.

MEDIPAC TRAVEL INSURANCE

Travel insurance trusted by canada’s most experienced travellers*, new to medipac or this is your first time buying travel medical insurance.

Many Canadians are simply looking for travel insurance that provides “peace of mind” at the lowest cost. While this may be important things to consider, understand that your true goal when buying travel medical insurance is to ensure that you are properly covered and have a trusted company beside you with the necessary medical resources and expertise to help manage your medical emergency. A company that is both reliable and reputable, on a grand scale, and has a proven track record of excellence.

That company is Medipac.

*Medipac Travel Insurance is endorsed by the Canadian Snowbird Association and the Royal Canadian Legion .

Medipac provides comprehensive coverage, up to $5 million USD, including coverage for COVID-19. And, together with Medipac Assist, Medipac has the necessary medical resources to properly support our clients during a medical emergency while travelling.

Medipac Assist provides dedicated emergency assistance lines to travellers, staffed with in-house medical professionals who are there for you, from application to assistance.

In terms of the cost of travel insurance, Medipac rates often are lower than those of other plans, almost certainly in the long-run, when it’s more important. With our Claim-free, Loyalty and other discounts many clients save upwards of 20% , every year.

Now that you have made the right choice, be sure to visit our “ How to Save ” section. Most new clients can save 3-5% in their first year, with our Claim-free Advantage discount. You may need to call to qualify. (1-888-633-4722)

For your reference, and to help you make an informed choice, be sure to download the Medipac Travel Insurance Guide , which includes helpful tips and a complete copy of the Medipac Travel Insurance Policy.

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Endorsed by the Canadian Snowbird Association and the Royal Canadian Legion.

Medical professionals for travel medical insurance. it only makes sense, medipac is not available through brokers. don’t be fooled..

STEPS TO PROPER TRAVEL COVERAGE

Travel Insurance Policy

• Download and read Travel Emergency Medical Insurance Policy.
• Pay particular attention to sections that discuss what is not covered: General Limitations, Exclusions, Pre-Existing Conditions, etc.
• Call us if you have any questions.

Medical Questions

• Download and read the Travel Medical Insurance Application .
• Review questions and answers with your doctor, if you are unsure.
• Determine your rate category: Preferred Plus, Preferred or Standard.

Travel Insurance Application

• What’s your discount?
• New to Medipac? You may qualify for savings. CALL US.
• Get Quick Quote .
• Apply online or request an application package .

An informed traveller makes a safe traveller. If you need help, CALL US!

If your health or medication changes before you leave, call us, have a pre-existing medical condition call us, not eligible, or have questions about the application call us.

TRAVEL INSURANCE COVERAGE OPTIONS

Annual Plan

Superannuates

MedipacPLUS

Underwritten Plan

• Increase coverage to $5 million USD, including coverage for COVID-19
• Protect your discounts in the event of a claim, plus 8 additional benefits.
• A must-have option for only $147.
• 23 or 33 day Annual Plans available.
• Apply only once for all your trips this year.
• Save time and money.
• Receive credit for your existing PSHCP plan.
• Ensure you’re covered from day one.
• 40-day annual plan included at no extra cost.
• Already have coverage, but with limited days?
• Top up your existing plan with Medipac.
• Some conditions apply.
• A good option for only $59!
• Includes 9 important benefits.
• Protect your Claim-Free Discount.
• Not eligible, have a Pre-Existing Condition or change in health?
• Our medical staff can review your file.
• Coverage may be available. CALL US 1-877-888-5259 .

HOW TO SAVE ON TRAVEL INSURANCE

NEW to Medipac? You can save up to 5% more!

Loyalty credit – save up to 10%, claim-free discount – save up to 10%, provincial discounts, deductible options, annual plans, when to call, health or medication change before your effective date of insurance., have a pre-existing condition that is not stable., not eligible ask about our underwritten plan., if you want to change your departure or return date., require an extension to your policy when travelling, call before your policy expires., need to seek medical treatment, call medipac assist even if you have a larger deductible..

HelloSafe » Travel Insurance » Seniors

How to get the best travel Insurance for seniors in 2024?

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Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Travel insurance for seniors in Canada is designed to provide coverage and protection for older travellers during their journeys. As older adults may have unique health needs and face specific travel risks, having adequate insurance is crucial to ensure a safe and worry-free experience.

Travel insurance for seniors safeguards against unexpected medical expenses, trip cancellations and interruptions, among other coverages specifically tailored for older travellers.

However, choosing the best policy isn't always easy and that's why we've created this guide on travel insurance for seniors. Find out everything from coverage for pre-existing conditions, pros, cons, and more.

5 Key Takeaways on Travel Insurance for Seniors in Canada

• Travel insurance for seniors is essential to provide coverage and protection during their journeys.
• It typically includes coverage for emergency medical expenses, trip cancellation/interruption and baggage cover.
• Some insurers offer coverage for pre-existing medical conditions.
• Insurance providers offering plans for older seniors include RBC, Blue Cross, Tugo, TD, Manulife, Allianz Global.
• Cost of travel insurance varies based on age, trip duration, coverage limits, and pre-existing conditions.

What is the best Canadian travel insurance for seniors?

comparatorTitles.name

Here is an overview of some of the best Canadians providers and their pros and cons when it comes to policies for older Canadians:

If you'd like to check out the best Canadian travel insurance for seniors, you could simply use our comparator below and get tailor-made quotes based on your unique needs and budget. You can compare coverage, pricing, and get free quotes in no time:

What does travel insurance for seniors cover?

The actual coverage will depend on your policy and your insurer. But here is what travel insurance for seniors in Canada usually covers:

• Emergency medical expenses: This covers the costs of medical treatment and hospitalization in case of sudden illness or injury while travelling abroad.
• Trip cancellation /interruption: It reimburses non-refundable trip expenses in case the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen events.
• Baggage loss/delay: Essentially, this provides compensation for lost, stolen, or delayed baggage, helping seniors replace essential items during their trip.
• Emergency medical evacuation: This covers expenses related to transporting the insured back to home country for medical treatment if necessary.

Some insurers also offer coverage for pre-existing medical conditions, although it may come with certain restrictions or higher premiums.

How does out of province travel insurance for seniors work?

Provincial healthcare coverage doesn't always extend fully to other provinces. Out-of-province travel insurance is vital when older adults travel within Canada to cover unexpected medical expenses, emergency medical evacuations, prescription medications, and trip interruptions. It fills gaps in provincial coverage, offering access to comprehensive healthcare while exploring different provinces.

Travel medical insurance for seniors

Travel halthe insurance for seniors is usually covered under regular travel insurance plans. Medical insurance is a specific type of insurance designed to cover emergency medical expenses incurred while travelling abroad. As seniors may have pre-existing medical conditions and are more susceptible to health risks, having adequate medical coverage during trips is essential.

Medical travel insurance for seniors typically provides coverage for emergency medical treatment, hospitalisation, and medical evacuation if necessary. It is essential to review the coverage limits to ensure they meet the potential costs of medical treatment in the destination country.

Expert advice

Multi-trip travel insurance for seniors is a type of coverage designed to accommodate frequent travelers who embark on multiple trips within a specified period. Instead of purchasing individual policies for each trip, a multi-trip policy offers potential cost savings for seniors who travel frequently. Multi-trip insurance also provides flexibility for both spontaneous trips and planned getaways.

Are pre-existing medical conditions with senior travel insurance?

Travel insurance for Canadian seniors with pre-existing medical conditions can be a bit more challenging to obtain compared to other age groups for the same plans. Pre-existing medical conditions are health conditions that exist before the travel insurance is purchased or the trip is booked.

These conditions can range from chronic illnesses, such as diabetes or heart disease, to previous injuries or surgeries. Insurers consider pre-existing medical conditions as they affect the risk profile of the traveller, and providing coverage for such conditions adds complexity and potential costs to the insurance policy.

Here are some important points to consider when seeking coverage for older Canadians with pre-existing medical conditions:

• Insurers will typically require seniors with pre-existing medical conditions to undergo a medical screening or fill out a medical questionnaire.
• Coverage for pre-existing medical conditions may have certain limitations and exclusions. For example, some conditions may be covered up to a certain age or may not be covered at all.
• Insurers may require that the pre-existing medical condition has been stable for a specified period before the trip. The stability period varies between insurance providers, but it is typically around 90 to 180 days.
• Premiums may be higher for seniors with pre-existing conditions.
• Seniors with pre-existing medical conditions are encouraged to purchase policies as early as possible.

Good to know

Some insurers offer exclusion waivers that allow seniors to purchase additional coverage for pre-existing conditions by paying an extra premium. This can provide more comprehensive coverage for the specific health condition.

How to get the best travel insurance for seniors over 70 canada?

Be it travel insurance for the USA or Europe or elsewhere, securing coverage for individuals over 70 can present challenges due to various factors, including increased health risks and potential pre-existing conditions. While insurance options are available, they might come with certain restrictions or higher premiums to mitigate these concerns.

However, here are some tips to help you get cheap travel insurance for seniors over 70:

• Start Early : Begin your search well in advance of your trip to allow time for thorough research and comparison of policies tailored to seniors.
• Assess Your Needs : Consider your health, trip destination, duration, and activities to determine the coverage you require, whether it's medical coverage, trip cancellation, or other benefits.
• Compare Policies : Compare coverage, exclusions, benefits, and costs to find the policy that suits your needs to get the best travel medical insurance for seniors over 70. You could use HelloSafe's comparator to compare the best plans, coverage, and restrictions.
• Check Age Limits : Ensure the insurance providers you're considering offer coverage for seniors over 70, as some may have age restrictions.
• Read Policy Thoroughly : Carefully review policy documents, terms, and conditions to understand coverage, limitations, and claim procedures before making a decision. If unsure, consult with an insurance agent specializing in senior travel coverage.

This also applies for travel insurance for seniors over 75 or 80 years old .

How much is travel insurance for canadian seniors?

The premiums travel insurance for seniors can vary significantly depending on factors such as:

• Traveller's age and destination
• Trip duration
• Coverage limits
• Any pre-existing medical conditions.

Here are sample quotes for the best travel insurance for Canadian seniors from different insurers for a 70-year-old Canadian senior travelling on a 10-day trip to Europe with no pre-existing medical conditions:

Compare the best rates for senior travel insurance by using our free comparison tool below. In a few clicks, you'll get several personalized quotes for your travel plans and needs:

Compare the best travel insurance plans on the market!

What are the credit cards with travel insurance for seniors?

Several credit cards in Canada offer trip benefits. Th ese credit cards are often designed to cater to the specific needs of older travellers and provide coverage for various travel-related incidents.

Here are some examples of credit cards with travel insurance for Canadian seniors:

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

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Travel Insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 5:04 a.m. UTC Jan. 25, 2024

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Lucky-photographer, Getty Images

• Travel insurance can cover injuries or illnesses while you’re traveling in Canada, as your domestic health insurance may not travel with you across the border.
• The best travel insurance for Canada will also cover costs associated with trip cancellation, delay and interruption.
• If you plan to travel with high-value items like a laptop, smartphone or camera, ensure the travel insurance you buy has enough per-item coverage for lost, damaged or stolen belongings.

Many U.S. travelers flock to our northern neighbor to take in Canada’s cultural experiences and stunning remote landscapes. While travel insurance isn’t a requirement to enter Canada, it may be worth purchasing for the benefits, like medical insurance, trip cancellation and baggage coverage.

“Even if Canada doesn’t feel too far from the U.S., being out of the country can be stressful, and any unexpected costs that get in your way, from lost baggage to getting sick or injured, can make any mishaps even more upsetting,” said Daniel Durazo, spokesperson for Allianz Global Assistance. “With the right travel insurance policy, you can ease your mind from unexpected travel scenarios or outrageous out-of-pocket bills.” 

Here’s what you should consider when buying travel insurance for Canada.

Understanding travel insurance for Canada 

Understanding Canada travel insurance can make choosing a policy easier. Compare plans to see which policies meet your travel needs. For example, some plans have exclusions for adventure activities, such as rock climbing without equipment, but may offer an adventure sports bundle as an upgrade. 

There are also various limitations on medical coverages, trip delay, trip interruption and trip cancellation benefits that could make one policy better than another for your Canada trip.

It’s best to buy travel insurance soon after making your first trip deposit. This way you’re covered for a longer period, at no additional cost. 

“Travel insurance policies typically only cover unknown and unforeseen situations, from unexpected injuries or illness to flight cancellations and weather-related events,” said Durazo. “If you wait until you have a problem, you likely won’t be covered.”

Buying travel insurance coverage within 14 days of your first trip deposit ensures you get the most benefits. Depending on the plan, buying early could also make you eligible for a pre-existing condition waiver. This means the insurance provider won’t look back at your medical records if you file a claim for a medical condition you already had before buying the policy.

But if you have a trip coming up soon, don’t worry — you can buy a travel insurance policy up to 24 hours before your departure date.

Key coverage considerations for travel insurance in Canada 

The best travel insurance plans bundle together several types of insurance, from trip cancellation insurance to travel medical insurance. No matter what your plans are once you enter Canada, consider these key coverages when researching travel insurance to Canada. 

Trip cancellation insurance  

Sometimes, things happen that require you to cancel your trip. Maybe a family member was going to watch your kids while you’re gone, and they’re now too sick to take care of them. Or severe weather impacts the airline, grounding your flight for the days you planned to be in Canada.

Trip cancellation insurance will reimburse up to 100% of prepaid, nonrefundable expenses, like a flightseeing tour in the Yukon or a Johnston Canyon tour in Banff, if you have to cancel your trip for a covered reason. Other reasons you might have to cancel include family emergency, job loss, severe injury or sickness, terrorism or military deployment. 

However, you can’t cancel for any reason — like a falling out with your travel companion — and get reimbursed, unless you upgrade your travel insurance plan to “cancel for any reason” (CFAR) coverage. Although CFAR can add around 50% to your travel insurance costs, the ability to cancel for any reason and receive up to 75% of your nonrefundable expenses can make the extra expense worth it. Just make sure you cancel at least 48 hours before your departure date and time to get this benefit.

Delays in your Canada trip  

If you’re headed to Canada during winter, severe weather could shut down the airport or cause flight delays. If you’re flying from Baltimore to Whistler with a connection in Chicago, but a winter storm causes delays in Baltimore, you might miss your connecting flight to Vancouver.

Most travel insurance plans will reimburse for meals and hotel accommodation expenses you incur from a travel delay. But to be eligible, the delay usually has to be at least six hours, with some policies requiring 12 consecutive hours before trip delay coverage kicks in. Seven Corners, for instance, will reimburse up to $250 per day per person to a maximum of $2,000 for a delay of at least six hours.

Trip insurance with delay benefits will also reimburse for prepaid expenses you miss out on because of a covered delay. So, if you miss out on your first two days at the ski lodge and can’t transfer or exchange prepaid snowboarding lessons, you can file a claim.

Tackling trip interruption  

The last thing you’d expect while taking in the Halifax, Nova Scotia sites is to have a family emergency back home. If you get a call that your mom fell down the stairs and is in the hospital with a broken leg, you’ll probably be ready to catch the next flight home to be with her.

Luckily, travel insurance includes trip interruption benefits, which can help you get there without a large out-of-pocket expense. Trip interruption coverage will pay for your one-way ticket back home and cover any prepaid accommodations and tours you’ll miss from having to shorten your trip.

Dealing with lost bags and belongings  

Travel insurance will also cover baggage loss and personal items that get damaged, stolen or lost while you’re traveling. So if you check your hiking poles and boots and they get damaged or lost during the flight, your travel insurance will reimburse you for the depreciated cost of those items.

You’ll also have coverage if someone steals your backpack while you’re sightseeing in Toronto. If you’re traveling with high-value items, make sure you have enough coverage. Many travel insurance plans have a $500 to $1,000 cap on certain items like cameras, watches and computers. Some policies also exclude coverage for smartphones.

Making plans for medical bills in Canada

Don’t be surprised if your health insurance provides little to no coverage in Canada or requires you to pay a large out-of-pocket deductible, said Carol Mueller, spokesperson for Berkshire Hathaway. Canada doesn’t accept Medicare from the U.S., and your health insurance won’t cover you unless you have global coverage. The Government of Canada will also not cover hospital and medical expenses for visitors, including American tourists.

Whether you’re planning to hit the slopes, go hiking or just take advantage of what the swanky resort you splurged on has to offer, you never know when you might fall ill or get hurt. This is where travel medical insurance can help. 

Allianz’s OneTrip Prime single-trip plan will pay up to $50,000 for your medical expenses, such as X-rays, prescriptions, doctor’s visits or a hospital stay. Other plans, such as as some in our rating of the best travel insurance for seniors cover up to $500,000.

Even if you’re up-to-date on your COVID-19 vaccines, you might still want to consider a travel insurance plan that covers COVID-related medical treatment, like those in our rating of the best COVID-19 travel insurance .

Evacuation for serious medical issues   

Travel health insurance with medical evacuation coverage is critical if you plan to travel to remote areas of Canada. The nearest trauma facility equipped to treat your medical emergency might be hundreds of miles away, requiring a medevac to get you there.

If you don’t have medical plan coverage, you could be on the hook for thousands of dollars in medical costs and private medical transportation. Travel insurance provides emergency medical evacuation coverage . 

The Allianz OneTrip Prime and Berkshire Hathaway’s ExactCare travel plans will cover up to $500,000 for emergency medical transportation and repatriation of remains. Travel Guard and Seven Corners plans will each provide up to $1 million. 

What is the cost of Canada travel insurance? 

There are several factors insurers use to determine the cost of a travel insurance policy , including age, trip cost, destination and length of the trip. In general, you can expect travel insurance to cost about 5% to 6% of your total trip cost.  

When calculating the trip expenses to insure, only include those that are nonrefundable. If your prepaid, nonrefundable flights, accommodations and tours total $5,000, you can expect to pay around $275 for travel insurance. You may pay more if you choose a plan with higher coverage limits and upgrades.

Companies use different criteria and weigh factors differently than other providers, so comparing travel insurance policy quotes can help you find the most comprehensive plan for the best price. You can use travel insurance comparison sites like Squaremouth to compare coverage limits and add-on coverage such as rental car, “cancel for any reason” and adventure sports. 

Key benefits of having travel insurance for your Canada trip  

Even though you’re not flying across an ocean, that doesn’t mean you shouldn’t buy a travel insurance plan. Some of the key benefits of having travel insurance for your Canada trip include:

• Not stressing or worrying about not having government health insurance plan coverage since you’re not a Canadian resident.
• Not losing out on your nonrefundable, prepaid trip costs if something unforeseen occurs and you have to cancel your trip or head home early.
• Knowing that if your trip is delayed or canceled, or you lose a bag or get something stolen, you have coverage to recoup at least some of your out-of-pocket costs.

The right travel plan can provide peace of mind, and many policies will pay for themselves if you need to make a claim for a covered reason.

Tips for choosing the best travel insurance provider for your Canada trip  

Comparing travel insurance companies can help you make the right choice when choosing a travel insurance product. Check customer reviews and complaints on websites like Trustpilot. Travel insurance comparison sites like Squaremouth and InsureMyTrip can also help you identify the best travel insurance company and most generous policy.

Don’t be afraid to call an insurance company to ask them “what if?” questions to ensure you’re getting the right policy. “You should feel confident in the coverage you purchase and trust you will receive the level of claims service you deserve if you need to file a claim,” said Mueller.

You should always read the fine print to know your policy’s limitations and exclusions. This includes restrictions on trip delay, cancellation and interruption benefits, and understanding what you’ll need to file a claim for baggage damage, loss, or medical care. 

Tip: Most travel insurance companies offer a 10 to 15 free look period, which allows you to review the policy and cancel it for a full refund if you decide it’s not the best choice.

Other insurance considerations for Canada 

If you’re planning to participate in adventure activities, like dogsledding in the Yukon, kayaking the Johnstone Strait to see orcas or surfing and hiking in the Pacific Rim National Park Reserve, you want to make sure you’re covered. 

World Nomads Explorer travel insurance plan covers more than 200 adventure activities. You can also get extreme sports coverage, license fees and equipment delay coverage with Berkshire Hathaway’s AdrenalineCare travel plan. Travel Guard offers an Adventure Sports Bundle optional upgrade, which waives benefit exclusions for adventure and extreme activities.

We mentioned CFAR coverage above, but some policies also offer optional “interruption for any reason” (IFAR) coverage. It works like CFAR, allowing you to end your trip early for any reason, not just those listed in your policy. Seven Corners offers a CFAR and IFAR upgrade for up to 75% of nonrefundable trip costs as long as you purchase it within 20 days of your first trip payment.

Road trips are also a popular way to see Canada’s beauty. If you plan to rent a car, it may be worth getting rental vehicle coverage if your credit card doesn’t offer it. World Nomads will cover up to $35,000 in collision damage waiver, while Travel Guard’s rental vehicle damage coverage will pay up to $50,000 in damage to your rental vehicle. Note that this coverage does not include liability insurance , if you are at fault for an accident that results in injuries or damage to others’ property. Check with your car insurance company to make sure your U.S. auto insurance coverage extends to driving in Canada. 

Travel insurance for Canada FAQs

Travel insurance is not a requirement to travel to Canada. However, travel insurance will provide travel medical insurance and emergency medical evacuation coverage, as well as benefits for lost or delayed baggage, trip delay, cancellation or interruption and sometimes missed connections. 

The average cost of travel insurance is around 5% to 6% of your travel costs to Canada. Your age, trip cost and other factors determine how much you’ll pay for travel insurance.

To find the best travel insurance for Canada, fill out a brief online form on an insurer’s website with your name, age, address and details about your trip, like the total cost and number of travelers. A travel insurance comparison site like Squaremouth allows you to fill out one application and get multiple quotes at the same time. 

The best travel insurance in Canada depends on where you’re going, what activities you’re doing and the types of coverage you need. After comparing dozens of providers, we found WorldTrips , Travel Insured and TravelSafe are among the best travel insurance companies .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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• Medical Plan
• Medical + Cancellation Plan
• Cancellation Plan
• Annual Medical Plan
• Visitors to Canada Plan
• Seeking medical treatment
• How to file a claim
• Access Claims Portal
• Complaint resolution process
• Understanding travel insurance
• Choosing travel insurance
• Before your trip
• On your trip
• Travel Tips
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Travel insurance for seniors

Many Canadians look forward to their golden years to enjoy long forgotten hobbies, learn a new skill, or travel. To ensure that your next trip is an enjoyable and safe journey, we’ve gathered useful information seniors or Snowbirds may need, before hitting the road or getting on a plane to sunny Florida.

dummy Travel medical insurance for seniors provides coverage for travellers of all ages, including those up to 84 years old.

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Why Could Travel Insurance Be Important for Canadian Seniors and Snowbirds?

While Canadians have always enjoyed travelling, both domestically and internationally, after the last couple of years, the pace and volume of travel has increased. Among these travellers is a certain group that partakes in travelling more than the rest, especially during the winter—the senior travellers, aka "snowbirds". 

Who are considered senior travellers, you ask?

While travel doesn't exactly have an age limit, people who've joined the I'm-in-my-60s and above club could be considered seniors in Canada. As the name might suggest, "snowbirds" usually try to escape the winter by heading off to a warmer destination by flight or even by road in RVs. Favourites include the more southern areas of the USA, like Arizona, Florida, Texas, and California. Some adventurous souls even take off for exotic places like Mexico, Costa Rica, Ecuador, Portugal, and the Caribbean.

This lifestyle is quite exciting, but there are several things to consider before you plan such trips. One of the many things on that list includes travel insurance, which leads us to our next question:

Do seniors need travel insurance?

While happiness may likely be at the top of one's agenda during these trips, preparedness should also share the spot. Young or old, everyone has different needs for their trips, and leaving your country or even your province of residence may leave you open to medical costs due to accidents or mishaps. A travel insurance plan could be of help. 

Why can travel insurance be important for seniors?

As seniors may be more susceptible to injuries or physical harm than younger people, there are several things to keep in mind when travelling outside of your province of residence or Canada when it comes to health insurance. Your provincial health insurance may not be available to cover all your medical costs abroad or out of your province. In which case, you will have to pay the bills. If certain criteria are met, you might get some of the expenses reimbursed.

Also, if you are depending on your credit card to take care of medical bills, it's important to understand that the travel medical insurance that comes with your credit card may have a lower coverage period for older cardholders. You should review the details of the travel medical insurance that comes with your card and, if needed, purchase additional travel medical insurance to cover the entire length of your trip before leaving.

When is the right time to get travel insurance?

You can apply for travel insurance before you depart on your trip. 

Tips for getting travel insurance as a senior

Like everything else in life, it's always good to know what you're paying for. Here are a few things to look for when getting travel insurance as a Canadian senior or snowbird:

• Consider what kinds of emergency travel medical expenses are included. For example, hospital fees, ambulance services, prescription drugs, medical appliances, etc.
• What kind of non-medical coverage are you getting? Will you have coverage for trip cancellations or interruptions, lost luggage, and delays?
• Are emergency dental costs covered?
• What's the duration of your coverage?

Some factors in calculating the cost of travel insurance

The cost of travel insurance can depend on many factors, which vary by insurer. A few of these factors may include your age, sex, and health condition. You can always check your policy or speak with a licensed travel insurance advisor to get details. At TD Insurance, some of the factors we consider include: 

• Health and age : as we grow older, we may be more likely to have health risks when compared to our younger selves. For that reason, travel insurance for seniors can be more expensive because, as the age increases, so does the level of risk, leading to comparatively higher rates. 
• The type of coverage : there are several types of travel insurance plans, like single trip, multi-trip, and travel plans that include both medical and non-medical coverage. Since the coverages vary, the premium will vary too.  
• Number of people covered under the travel policy : for instance, a family plan might cost more than a plan just for an individual as more people will be insured under a family plan. However, a family plan could be less expensive than purchasing separate plans for each member of your family. 
• The duration of the coverage : the longer your trip is, the more it will cost you to get insured.

Ways to save - are you a frequent traveller?

If you find yourself in the frequent traveller category and have planned multiple trips for the year, you could benefit from a plan more suited to that nature, like the TD Insurance multi-trip all-inclusive plan or the multi-trip medical plan . They may be more cost-effective than purchasing an individual plan for each trip.

TD travel insurance and seniors/ snowbirds

The adage "age is just a number" might be true when it comes to planning adventures, but with that number come certain important changes in our lives and travel insurance as well. When it comes to the age limit, here are a few things to remember:

• With a plan like the TD Insurance Multi-Trip All-Inclusive Plan 1 , if you are 60 years of age or older, you may choose the length of each trip to be 22 or 30 consecutive days. Take a look at the sample policy for a better understanding.
• If you are over 80, the TD Insurance Multi-Trip Medical Plan 2 gives you the option to choose between 4, 9, or 16 consecutive days for each trip. Here's a sample policy for a closer look. 

As a senior traveller, consider a travel insurance plan best suited for you. You can start making plans and take a look at the travel insurance policies offered by TD Insurance .

We would also encourage you to stay updated with the travel advisories to be aware of changing circumstances that may alter your travel plans. 

Related articles

TD Insurance Trip Cancellation & Interruption Plan

Coverage & exclusions: what you may want to consider

Understanding Travel Insurance Terminology

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The content on this page is for general information purposes only and does not constitute legal, financial, or insurance advice. Speak to a licensed professional advisor regarding your specific situation.

The information contained herein, is subject to change without notice. 

1 TD Insurance Multi-Trip All-Inclusive Plan is an individual plan underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Sample Policy for full details.

2 TD Insurance Multi-Trip Medical Plan is an individual plan underwritten by TD Life Insurance Company. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Sample Policy for full details.

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Why Canadian seniors need travel insurance

Dreaming of relaxing on a tropical beach with your favourite book, taking the grandkids to Europe or driving your RV south to avoid the Canadian winter? Whatever your dreams, don’t let medical costs hold you back. TuGo Travel Insurance lets you plan your trip with confidence!

If you get sick or injured, we’ll take care of you. More than just paying the bills, we’ll coordinate with medical staff to get you the best treatment possible, wherever you are in the world.

Optional Coverages

A not-so-smooth sailing experience

77-year-old Paul was on an Alaskan cruise when one of his legs became swollen and painful below the knee. He received basic care at the infirmary, but arrangements were made for an ambulance to take Paul to the nearest hospital when the cruise ship docked at the next port. Paul was admitted and put on medication to increase the circulation to his leg. His daughter, Karen, stayed with him while the rest of the family continued on the cruise. Unfortunately, Paul’s circulation didn’t improve and he had to have his leg amputated. Following the surgery, Paul and Karen were airlifted back to Canada.

Our travel insurance covered: $191,604

Emergency Travel Medical Insurance

If you need to go to a clinic or hospital while away, you’ll be insured for doctor's visits, medical services, ambulance and emergency air transportation (when pre-approved), prescriptions and more.

Pre-existing Condition Coverage

Already have a medical condition? You can still get coverage! We offer a simple Medical Health Questionnaire that will determine your rate, not your eligibility. Whether you’re taking medication for your blood pressure or have diabetes, we’ll help protect you when you travel.

Learn more about Emergency Travel Medical Insurance

Get travel insurance online

To start a quote or purchase, select your province, then your TuGo insurance partner of choice.

Choose a travel insurance partner to get an online quote:

Click here to start a new search.

Trip Cancellation & Trip Interruption

Some things are beyond your control. Before or during your trip, an unexpected event or the death of a loved one may prevent you from travelling. When these things happen, the last thing you want to worry about is recovering the cost of your trip.

Learn more about Trip Cancellation & Trip Interruption

Trip Interruption

Don’t foresee having to cancel your trip before you leave? Trip Interruption may be an option for you. It reimburses you if something happens after you’ve left on your trip.

Learn more about Trip Interruption

Accidental Death & Dismemberment

Whether you’re travelling outside of your home province or abroad, accidents can happen. In the unfortunate event of your death or dismemberment, you’ll want to know your beneficiaries or estate are taken care of.

Learn more about Accidental Death & Dismemberment

Non-Medical Package

We’ve got you covered for missed flights, lost baggage and more! If you’re looking to complement your Emergency Medical Insurance, the Non-Medical Package is an economic way to get Trip Cancellation & Trip Interruption, Baggage, and Accidental Death & Dismemberment all in one!

Learn more about Non-Medical Package

Having delayed or lost baggage while travelling is a drag! With Baggage Insurance, it’s nice to know you’ll be able to get the necessities you need.

Learn more about Baggage

Rental Car Protection

Whether you’re cruising down a country road or navigating a big-city freeway, you want to be confident your rental car is covered for damage or loss.

Learn more about Rental Car Protection

Sports & Activities

We’re helping travellers have better travel experiences; and knowing they’re covered for the activities they love is an important part of that. That’s what makes our travel insurance unique!

Learn more about Sports & Activities

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Canadians are optimistic about travel in 2024: Blue Cross Travel Study

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Take off with Canada’s #1 travel insurance provider

Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

#1 in Travel Insurance

Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

Travel Worry Free

Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

Find the Right Plan

We understand making the right choice for your benefits and coverage is important.

We’re here to help!

Please click below to be redirected to your local Blue Cross for more specifics, including local contact information.

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Our travel insurance products

As one of the top insurance companies in Canada, Manulife offers a wide range of coverage options to best suit your travel protection needs. Whether you are snowbirds, seniors, students, or visitors to Canada, we’ve got you covered.

Travelling Canadians

Help provide Canadian residents with out-of-province or country coverage for unexpected travel expenses such as emergency medical and more.

Visitors to Canada

Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for super visa.

Get help with medical expenses when studying away from home – either in Canada or abroad.

Travel insurance explained

Whether it’s to the beach, the city, or somewhere in between, travel gives us unforgettable escapes in beautiful places. But what happens when a trip doesn’t go as planned? A medical emergency or accident can have financial consequences that last far longer than your trip. That’s where travel insurance comes in. This short video explains:

• What’s included in travel insurance? What are the different types (travel medical insurance, trip cancellation and interruption insurance, visitors to Canada insurance and student travel insurance)?
• How insurance can reimburse you for unexpected expenses while you’re abroad or in another province or territory, from hospitalization, to transportation, and more!

Download a transcript (PDF)

It’s easy! To get the plan best suited to your needs, you can get a quote and apply online or by calling 1-877-268-3763. Have your travel dates, contact information, health information, and credit card or bank information on hand.

Having insurance while travelling is strongly recommended. Based on a survey conducted by the Conference Board of Canada, 82% of Canadians traveled with travel coverage in 2022. This speaks volumes and shows that most Canadians think having protection for unplanned emergencies while travelling is a necessity.

Travel coverage can protect you not only from emergency medical costs, but also from flight delays/cancellations, baggage loss/damage, travel accidents, and unforeseen events. Depending on your policy, you could get reimbursed for incurred costs if a covered event caused you to cancel or rebook your trip.

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

Need assistance?

Want to talk through your options.

Have questions and want to speak to a licensed insurance advisor? We can help with that!

Submit a travel claim

Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in

New Simplified Medical Questionnaire

Fewer questions. Simpler language.

Get a Quote

Say goodbye to long, complicated medical questionnaires—they’re taking a permanent holiday! RBC Insurance ® has revolutionized the travel industry with a new, innovative Simplified Medical Questionnaire, making it faster and easier for travellers over 60 to get the travel insurance they need.

Out with the old. In with the new.

Now find it easier and faster than ever to book your travel medical insurance. Here’s what’s new and improved with the new Simplified Medical Questionnaire:

* to a maximum of 11 based on responses

Reasons to RBC ® Travel Insurance

Unlimited emergency medical.

Our coverage is unlimited for eligible medical expenses not covered by your government health plan. 1

24/7 worldwide emergency travel assistance

Our multilingual professionals provide 24-hour emergency assistance—wherever you are in the world.

Direct payment

Emergency medical bills are paid directly whenever possible, easing your stress and hassle. 2

Wide range of coverage

In addition to emergency medical, you can be covered for lost baggage, trip cancellation and interruption and other unexpected events.

Money-saving options

Multi-trip annual plan options can help save you money if you travel two or more times a year.

Get a quote online—it’s easy and secure.

Get a no-obligation quote and buy online in just a few simple steps.

Other Ways to Buy:

Phone Call 1-866-896-8172    

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

• Allianz Travel Insurance: Best Annual Coverage
• Trawick International: Best Premium Travel Insurance for Seniors
• GeoBlue: Best Travel Medical Coverage for Expats
• IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
• WorldTrips: Best for Flexibility

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

• Coverage for COVID-19
• Trip cancellation coverage up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical evacuation coverage up to $100,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $200
• Travel delay coverage up to $600 ($200 daily limit)
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000
• 24-hour hotline for assistance
• Concierge service
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• $750 in emergency dental coverage
• $2,000 in coverage for baggage and personal effects
• $400 in baggage delay coverage
• 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

• Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
• Emergency and nonemergency medical evacuation coverage
• Coverage for emergency reunions
• Return of mortal remains
• Trip interruption coverage worth up to $5,000
• Lost luggage coverage worth up to $250 (up to $50 per item)
• Coverage for terrorism worth up to $50,000
• Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

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Best travel insurance in Canada

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You’ve packed your bags, mapped your itinerary, and set your “out of office” message – it’s vacation time! But what about travel insurance?

According to a 2019 study by the Travel Health Insurance Association of Canada, 13% of Canadians aren’t sure if they have travel insurance before they go on vacation. Of those who have bought insurance, 17% don’t know what their policy covers.

As a professional travel writer, I find this rather alarming. Canadian health insurance is not valid outside Canada, and your provincial or territorial health plan may not cover all the costs even if you’re travelling domestically. If you suffer an accident or get sick abroad, unexpected medical bills can bankrupt you. It’s why the Canadian government  advises all travellers to buy travel insurance , and I never leave the country without it. Whether you’re taking a two-week trip or a gap year abroad, every one needs the best travel insurance in Canada, regardless of age, health status, destination, or length of vacation.

Best for thrill seekers: World Nomads

Designed for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer/work experiences, as well as sporting equipment delay/loss/theft. You also get access to a 24/7 hotline that provides information that adventure travellers may need: weather reports and travel advisories, assistance locating the nearest trail, and finding a gear shop.

The standard policy covers emergency medical expenses up to $5 million, emergency dental, trip cancellation/interruption/delay, baggage delays/theft/damage, and more. The downside: you must be under 66 years of age to qualify.

Best for families: CAA Travel Insurance

A long-trusted Canadian institution, CAA travel Insurance offers flexible travel plans to suit every type of traveller and vacation, but their policies are particularly great for families. Their stand-alone emergency medical policy of up to $5 million in health coverage is extremely comprehensive, even including medical repatriation, emergency dental, and reimbursements for pet care and kenneling.

The Vacation Package Plan provides full cancellation/interruption insurance – ideal for prepaid, all-inclusive vacation packages – as well as family transportation and escort of children during emergencies. Anyone can buy CAA travel insurance, but members get a 10% discount.

CAA’s emergency medical plans also now include coverage for COVID-19-related illnesses for vaccinated customers. Coverage is up to $2.5 million if partially vaccinated and up to $5 million if fully vaccinated.

Best for seniors and retirees: Blue Cross

Blue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. Blue Cross’s emergency medical covers up to $5 million. It has special “snowbird” travel insurance packages designed for Canadians who head to warmer climates each year, making Blue Cross ideal for retirees.

Part of the package is the recently launched Serenity Service. This free perk provides a range of benefits if your flight is delayed, including access to an airport lounge or even a hotel room (depending on the length of the delay). Pre-existing conditions are generally not covered.

Best for budget travellers: Travel CUTS Bon Voyage Insurance

Starting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages, and it’s personally been my “go-to” travel policy for years. Yes, it’s geared toward students (e.g., you can swap your travel dates at no charge due to an exam schedule conflict), but anyone between 15 and 50 years of age can purchase a policy.

The standard package includes hospital and medical up to $1 million, dental care, air ambulance evacuation, flight accident, accidental death or dismemberment, and trip interruption/cancellation insurance. Adventure and extreme sports are also covered.

Best for Canadians with pre-existing medical conditions: Manulife CoverMe

Manulife CoverMe offers highly comprehensive Canadian travel insurance packages for those travelling as a family, a visitor to Canada, or a student. You also get access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers.

However, the stand-out feature is arguably TravelEase – a special policy designed to cover fully disclosed medical conditions. For travellers with pre-existing conditions, it insures a bunch of expenses for health services and transportation. It provides up to $10 million in emergency medical benefits – a unicorn in the travel insurance world.

Best for emergency medical assistance: Medipac Travel Insurance

Medipac is one of the only travel insurance companies out there that is staffed by their own team of trained medical professionals, via their Medipac Assistance hotline. Medipac’s medical professionals are your first point of contact in an emergency medical situation. This service is also helpful for dealing with foreign medical systems and helping to prevent unnecessary expenses when dealing with a large deductible.

Medipac offers several competitive features for their travel insurance plans, including no age limits, a claim-free discount, and a 90-day stability period for most pre-existing conditions. If your pre-existing medical condition isn’t covered by a standard Medipac insurance plan, Medipac also offers personalized, underwritten insurance policies to help you meet your needs.

Medipac is offering a 5% Vaccine Discount to clients who have received a minimum of one dose of a COVID-19 vaccine, as well as the new MedipacMAX option. This COVID insurance option provides maximum coverage of up to $5 million USD for COVID-19, in addition to its other benefits.

Best for frequent travellers: Allianz Travel Insurance

Touted as a world leader in the Canadian travel insurance and assistance industry, Allianz Travel Insurance is a major provider of travel insurance, corporate assistance, and concierge services. It seeks to help its customers find solutions to various travel-related problems. Allianz Travel has partnered with many reputable companies, including travel agencies, airlines, resorts, websites, event ticket brokers, corporations, universities and credit card companies.

Allianz Travel Insurance is a great choice for anyone looking for travel insurance. Its single-trip plans are perfect for those leaving home and visiting another destination (or destinations) before going back home. Its parent company, Allianz Global Assistance, has five plans to choose from, all offering different levels of protection and coverage.

Allianz Travel Insurance’s annual/multi-trip plans are perfect for both personal and professional travelers who take multiple trips in a year. It offers four distinct options to choose from.

Will my provincial insurance be valid overseas?

No! If you get sick or injured overseas, the Canadian government will not cough up a dime to cover your medical costs. Here are the sobering facts:

• Canadian public health insurance is not valid outside of Canada.
• Foreign hospitals can be extremely expensive and may demand payment before treating you.
• The Canadian government will not pay a Canadian’s medical bills for an illness or accident suffered abroad. You’re on the hook for footing the bill!

Will my provincial insurance work in another province/territory?

Flash your valid provincial health card in another part of Canada, and you’ll likely be covered for some of the same services insured by your home provincial plan. This is because the provinces and territories (except Quebec) signed an agreement whereby the host province foots the bill for any medically necessary health care services and gets reimbursed by the home province later.

However, that doesn’t mean you’re completely out of the woods. Depending on your destination, a slew of other services may not be covered, such as an ambulance, hospital transfer, prescription drugs, transportation back to your home province, and procedures not currently approved by your home plan.

Plus, since Quebec wasn’t a signatory to the interprovincial billing agreement, you’ll likely be charged for any medical bills incurred there. For this reason, it’s recommended that you buy extra travel insurance (or verify your  credit card’s travel insurance coverage ) to cover any uninsured health care services that may crop up during your trip.

What does the best travel insurance in Canada cover?

Every travel insurance policy is different and what’s covered depends on how much you’re willing to pay for coverage. Typical medical services that you can expect to be covered include:

• Emergency hospital and medical costs
• Ambulance and air ambulance costs
• Outpatient services
• Physician and laboratory costs
• Prescription drugs
• Direct payment to the hospitals and doctors caring for you
• Assistance with bringing a family member to your bedside
• Air ambulance or commercial repatriation home
• Return of your vehicle if you are ill and have to come home

Additional benefits may include:

• Trip cancellation for non-refundable monetary losses
• Trip interruption
• Baggage loss, rental car damage, out-of-pocket expenses
• Accidental death and dismemberment

How much coverage do I need?

Securing a policy with a minimum of $1M maximum payable is a safe bet. But don’t just look at the numbers when choosing a policy – read the fine print. Every insurer has a list of situations in which coverage is not provided, otherwise known as “exclusions.” Check whether your provider includes coverage or has provisions for the following:

• Pre-existing medical conditions: According to the International Association for Medical Assistance to Travelers, a pre-existing condition is “something that happened (or started to happen) before you were insured.” Some policies may cover claims relating to pre-existing conditions that are “stable and controlled,” but read the definitions carefully. If you don’t declare a condition, the entire policy could be invalidated!
• Medical evacuation: Ensure the policy covers medical evacuation to the nearest hospital and/or to Canada and the costs of a medical escort to accompany you to your final destination.
• Repatriation in case of death: On the grim side, ensure that your plan covers the preparation and return of your remains to Canada.
• Adventurous Activities: If you plan on engaging in “high-risk” activities on your trip, you may need to shell out extra dough for a more comprehensive plan. Many policies don’t cover “risky” activities, such as skiing or snowboarding “out of bounds,” skydiving, scuba diving, white-water rafting, mountaineering, or participation in any rodeo activity. To cover your bases, ask questions and get specifics before purchasing a policy.

You may have to pay more to have these things included, but a few extra bucks may be worth it for peace of mind.

Should I buy “a la carte” travel insurance or get a travel credit card with free insurance?

A credit card with travel insurance is always a good thing to carry in your wallet. The  best travel credit cards in Canada  usually cover everything from emergency medical costs to trip cancellation/interruption to flight delay to rental car insurance, which could save you a wad of cash.

The  Scotiabank Gold American Express ® Card  has saved my butt a few times, and I’ve filed several travel-related claims through my card. I cancelled my trip to Portugal a few years ago due to a death in the family, and I got a full refund on my hotel deposit and flights for myself, my husband, and my baby. It totally justified the $120 annual fee.

That being said, don’t rely on your credit card to take care of all your travel insurance needs. It usually includes a basic policy, meaning it offers low (or no!) travel medical insurance as part of the package. Like any travel insurance company policy, you’ve really got to read the fine print and understand the conditions of your policy to avoid sticky situations.

For instance, the Scotiabank Gold American Express ® Card requires a cardholder to have charged at least 75% of trip expenses to make a trip cancellation/interruption insurance claim. So if you book an all-inclusive vacation for $5,000 and then cancel due to illness, at least $3,750 must have been charged onto your AMEX to qualify for a claim. If you didn’t do that, you’re out of luck.

Can I still purchase insurance if i’ve already started my vacation?

The short answer: most insurance providers won’t cover you after your departure date. However, a handful of insurers (such as World Nomads) will allow you to purchase a policy while already overseas. Just know that it can come with sky-high costs and/or conditions: World Nomads has a 48-hour waiting period before coverage kicks in. The bottom line? It’s always best to buy travel insurance before leaving the country.

Can I get travel insurance for part of a trip?

Some plans offer insurance coverage options that will allow you to customize your coverage, but you’ll have to research to find one that works for your unique circumstances. Alternatively, you could take out an insurance policy for each destination and/or segment of your trip.

For instance, you could get a World Nomads policy for the two weeks you’re scuba diving in Australia, followed by a basic Travel CUTS Bon Voyage insurance to cover a month-long trip to Europe. However, when you buy Canadian travel insurance, you must select a trip start and end date – meaning you must know the exact dates for travelling to those places.

Should I carry a printout of my policy with me at all times?

I recommend carrying the travel insurance card in your wallet and locking it up in the hotel safe with other important travel documents like my passport. But don’t rely totally on paper: Wallets get lost or stolen, luggage can be delayed or M.I.A., and papers are easy to misplace when you’re on the road. My advice is to send a copy of the policy to your email and save it on your iCloud or another storage system that can be accessed anywhere, anytime.

Recommended reads

• What’s the Added Value of a Credit Card with Travel Insurance?
• The Best Travel Rewards Programs in Canada
• Aeroplan vs. AIR MILES vs. Avion

About our author

Lisa Jackson is a freelance personal finance and travel journalist, editor, and blogger who contributes to various online and print media outlets in Canada and abroad, including The Globe & Mail, Toronto Star, Islands Magazine, Fodors, BRIDES, Huffington Post Canada, CAA Magazine, The Food Network, West Jet Magazine, NUVO Magazine, and many others. When she's not writing from her home office, she's busy globe-trotting to new destinations in search of her next story.

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Which Credit Cards Have the Best Insurance for Seniors?

Insurance coverage offered by credit cards often doesn’t get the same attention as a card’s other benefits. However, it’s an important element to be aware of, particularly for travellers over the age of 65.

While some insurance coverage is fairly comparable among credit cards within the same tier, this isn’t the case when it comes to emergency medical coverage, which can differ dramatically between the cards.

In this guide, we’ll outline the best options for securing coverage for you or your loved ones.

Emergency Medical Care Outside of Your Province of Residence

Before delving into the cards themselves, it’s important to go over what this insurance covers, and to establish a baseline of the lower-end of what you can expect in terms of coverage.

Emergency medical care insurance coverage is designed to reimburse you for a certain dollar amount in the event that you’re injured or experience a medical emergency while travelling outside your home province.

This coverage becomes even more relevant if you’re travelling internationally, where it may be more difficult to navigate and understand the local medical system and its costs.

With coverage, not only do you have peace of mind when you travel, but you can also prioritize getting care without worry, should you run into some bad luck.

As we mentioned above, the emergency medical care coverage can vary considerably across different credit cards; therefore, to establish a baseline from which to compare, let’s first look at the coverage offered by two popular cards.

Our first example, the American Express Cobalt Card, offers emergency medical coverage for the first 15 consecutive days of your trip if you’re 64 years old or under; however, once the cardholder turns 65, there’s no coverage at all.

Looking at higher-end cards, the TD Aeroplan® Visa Infinite Privilege* Card offers emergency medical coverage for an incrementally better four days if you’re 65 or older.

As we can see, neither of these cards offers much in the way of emergency medical coverage for travellers over 65.

Therefore, you’ll want to consider a credit card that provides the best insurance for anyone travelling in their golden years.

As always, be sure to read the card’s insurance booklet to understand what’s covered in your specific situation. If you ever have any questions, reach out to the card issuer to confirm what’s included.

National Bank World Elite Mastercard

In Canada, the gold standard of insurance coverage is set by the National Bank World Elite Mastercard. Travellers over 65 years old are covered for up to 15 days when travelling out of province. The coverage lasts until you turn 76, at which point you’re no longer covered.

It’s also important to note that if you have a pre-existing illness or injury or if there have been changes to your health within six months of your departure date, you won’t be covered if you suffer an accident directly or indirectly related to the pre-existing condition.

If you qualify for coverage, National Bank will cover you up to $5,000,000 for emergency medical care if you end up needing it.

We consider the National Bank World Elite Mastercard as the best credit card for insurance in Canada. If you make a booking with points, you’ll also be covered, which is another one of the card’s mainstay features.

• Earn 5 x rewards points on grocery and restaurant spend
• Get travel insurance on award travel, as well as medical coverage on longer trips for ages up to 75.
• Receive $150 in annual credits for airport parking, baggage fees, seat selection fees, lounge access, and airline ticket upgrades
• Minimum income: $80,000 personal or $150,000 household
• Annual fee: $150

HSBC World Elite Mastercard

The HSBC World Elite Mastercard has historically been another staple in Canadians’ wallets, due to its lack of foreign exchange fees. However, following the announcement that RBC would acquire HSBC, the card has subsequently been closed to new applications as of October 2023.

It’s unclear what the future holds for this and other HSBC cards, but if you’re currently a cardholder, then it’s business as usual until we hear otherwise.

This is good news, as the HSBC World Elite Mastercard also has quite a generous policy when it comes to emergency medical coverage for seniors.

For people 65 years of age or older, you receive emergency medical coverage for up to 21 consecutive days after you leave your province of residence. This is an improvement over the length of coverage from the National Bank World Elite Mastercard, and there’s no upper limit specified for age, which is outstanding.

While HSBC has a more favourable inclusion list, the insurance coverage is less, at $2,000,000 instead of the $5,000,000 offered by National Bank.

Combined with no foreign transaction fees, competitive earning rates, and generous insurance policy for seniors, it’s no wonder the HSBC World Elite Mastercard was such a popular choice among Canadians.

Desjardins Odyssey Visa Infinite Privilege

A less talked about card that deserves a spot on this list is the Desjardins Odyssey Visa Infinite Privilege Card, which has a similar insurance structure to the National Bank World Elite Mastercard.

If you’re 65 or older, you’re eligible for emergency medical coverage for up to 15 days from when you leave the province in which you reside. However, once you turn 76, you would no longer be eligible for any coverage.

You’ll be covered up to a maximum of $5,000,000 per person, excluding situations where you have a pre-existing condition, in which case, you won’t be covered if your accident while travelling is related to said condition.

Note that your pre-existing condition window goes back 182 days from date of departure.

Unlike the other cards on this list, the Desjardins Odyssey Visa Infinite Privilege is a cash back card, rather than a travel-focused card. It has an annual fee of $295 (CAD) for members, or $395 (CAD) for non-members, which is a fairly steep fee to pay.

• Earn  4% cash back  on restaurant purchases
• Earn  3% cash back  on grocery and travel purchases
• Earn  1.75%   cash back  on everything else
• Access DragonPass airport lounges with six complimentary visits
• Best in-class medical and travel insurance coverage
• Minimum income: $200,000 household
• Annual fee: $395

CIBC Aeroplan® Visa Infinite Privilege* Card

When it comes to emergency medical coverage, especially for those older than 65, the CIBC Aeroplan® Visa Infinite Privilege* Card comes out ahead of its premium Aeroplan co-branded credit card counterparts.

The CIBC Aeroplan® Visa Infinite Privilege* Card offers 10 consecutive days of coverage for people 65 or older, which is more than its TD counterpart’s four days of coverage.

As usual, pre-existing conditions exclude you from coverage if your emergency is related or indirectly related to your existing condition.

However, keep in mind that unlike the National Bank World Elite Mastercard or the Desjardins Odyssey Visa Infinite Privilege Card, there’s no specified age maximum for coverage. Therefore, you’ll still be eligible for insurance, even if you’re over the age of 76.

This card is a great addition to your wallet if you tend to make shorter trips away from home, and want to remain in the Aeroplan ecosystem.

You’ll also enjoy benefits like lounge access, priority services, and a free checked bag when travelling with Air Canada.

• Earn 20,000 Aeroplan points upon first purchase †
• Earn 30,000 Aeroplan points upon spending $15,000 in the first four months †
• Plus, earn an anniversary bonus of  30,000 Aeroplan points upon renewing the card for a second year, after having spent at least $25,000 in the first year †
• Earn 2x Aeroplan points on Air Canada purchases †
• Earn 1.5x Aeroplan points on gas, groceries, dining, food delivery, electric vehicle charging, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge access †
• DragonPass membership with six free lounge visits per year †
• NEXUS application credit †
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

While most credit cards don’t offer travel insurance coverage for travellers over the age of 65, and even fewer cover those who are 76 and older, there are still a few standout cards that extend emergency medical protection to travellers in their golden years.

Having emergency medical coverage while you’re travelling is an important way to stay safe and healthy, and to provide yourself and your loved ones with peace of mind.

No matter your age, there’s a card out there that will extend some sort of coverage to you, so make sure to keep that in mind before embarking on your next adventure.

• Earn 80,000 MR points upon spending $15,000 in the first three months
• Plus, earn  40,000 MR points  upon making a purchase in months 14–17 as a cardholder
• And, earn 1.25x MR points on all purchases
• Also, receive a $200 annual travel credit
• Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
• Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
• Credits and rebates for business expenses throughout the year with Amex Offers
• Bonus MR points for referring family and friends
• Qualify for the card as a sole proprietor
• Annual fee: $799

Go through the insurance with a highlight marker, and then mark your concerns. Get answers to your questions before you go. For pre-existing conditions, some only allow them to be stable for 3 months beforehand, others 6 months.

Thanks for the article

Speaking as a senior, I would never rely on a credit card for emergency medical travel insurance. Most seniors are on some sort of medication and/or have pre-existing conditions. Most travel insurance, both CC and private, has a long list of conditions and exclusions. You usually only find out about them AFTER you make a claim.

If you’re concerned about emergency medical situations when you travel outside Canada, then find a travel insurer who will cover you without excluding pre-existing conditions or at least make sure they tell you beforehand what you’re actually covered for based on your specific medical conditions. Naturally, expect to pay more, perhaps a lot more, than younger people for coverage that you can actually rely on should you need it.

Otherwise you’re just gambling.

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A Guide to Travel for Seniors: Destinations, Tips and Precautions

Retirement offers seniors the perfect opportunity to indulge in travel, explore new destinations, and create unforgettable memories. However, traveling as a senior comes with its own set of considerations. 

In this guide, we’ll suggest great trips for seniors over 60, including places to visit, essential tips and some precautions to take so you can make the most out of your travels.

Best Vacations for Senior Travelers

There are a handful of senior-friendly travel destinations, both near and far, that can offer fun, accommodating experiences.

Europe is a treasure trove of history, culture, and natural beauty, making it an ideal vacation spot for senior travelers. Explore iconic cities like Rome, Paris, and Barcelona, where you can wander through historic landmarks, indulge in world-class cuisine, and admire art masterpieces in renowned museums. 

You could also purchase a rail pass and see the sights of Europe from the comfort of a train. For example, take a scenic journey through the Swiss Alps, or discover the beautiful Mediterranean via Spain, France, and Italy.

For seniors who prefer to stay in the United States, there are a number of places you can explore (along with National Parks, below). Wherever you go in this beautiful country, you’re sure to find wonders and friendly people.

Santa Fe, New Mexico, offers a warm climate and a world-renowned arts community, along with authentic Southwestern cuisine. Branson, Missouri, offers unlimited entertainment, more accessible and affordable than Las Vegas. Colonial Williamsburg, Virginia, is a walk through history, and Washington, D.C., connects you to this nation’s heritage. 

As people grow older, their health and wellness needs change. Read our eBook, "The Complete Guide to Health & Wellness for Seniors" for everything you need to know about staying healthy and happy as we age.

National Parks

The great outdoors call to many seniors, and U.S. national parks offer endless opportunities for adventure and natural beauty. Visit Yellowstone National Park to witness geothermal wonders like Old Faithful and spot wildlife such as bison and elk. 

Explore the awe-inspiring landscapes of the Grand Canyon from scenic viewpoints or take a leisurely hike along the rim. Acadia National Park in Maine offers a perfect mix of coastal scenery, hiking trails, and charming seaside villages, ideal for a relaxing getaway.

Cruises offer seniors the opportunity to explore multiple locations with ease and comfort. Choose from a variety of options, including river cruises along the Danube or Mekong rivers, or ocean cruises to the Caribbean, Alaska, or the Mediterranean. 

Onboard amenities cater to all interests, from relaxing spa treatments and gourmet dining to enriching lectures and cultural performances. Plus, the all-inclusive nature of cruises eliminates the hassle of planning and allows for effortless relaxation.

Cultural Tours

Delve into the heart of a vacation spot with guided cultural tours that cater to senior travelers. Discover the rich traditions and history of Japan on a tour that includes visits to ancient temples, tranquil gardens, and bustling markets. Explore the vibrant souks and historic landmarks of Morocco, from the bustling streets of Marrakech to the serene Atlas Mountains.

Anywhere you go, with the help of local guides, you can find new experiences and learn about different cultures, widening your own horizons.

Coastal Retreats and Beaches

From the tranquil shores of the Caribbean to the rugged coastlines of the Pacific Northwest, there are plenty of options for seniors seeking sun, sand, and sea. Choose a resort in Maui, Hawaii, where you can unwind on pristine beaches, or opt for the charming coastal towns of the Outer Banks in North Carolina, known for their scenic beauty, historic lighthouses, and fresh seafood. 

Whether you prefer lounging by the water, exploring coastal trails, or taking scenic boat tours, coastal retreats offer a perfect blend of relaxation and adventure for senior travelers.

These locations cater to the unique interests and needs of senior travelers, providing opportunities for relaxation, enrichment, and unforgettable things to do. Whether you prefer exploring historic cities, cruising serene rivers, or immersing yourself in nature, there’s a perfect travel experience waiting for you.

Tips for Senior Travelers

Seniors, like any travelers, should map out their visits to get the most out of their journey and to minimize disruptions. Here are a few things to think about:

Plan Ahead: Research your vacation spot thoroughly and organize your itinerary in advance. This will help you make the most of your time and ensure that you don’t miss out on any must-see attractions.

Consider How To Travel: If you’re traveling by car, prepare to make frequent stops. As a senior, you may need to take a break and stretch often. If you’re planning to fly, try to book a non-stop flight. With careful organization, you can avoid long layovers or inconvenient connecting flights. 

Pack Light: Traveling with less luggage can make navigating airports, hotels, and transportation much easier. Stick to essentials and choose versatile clothing items that can be mixed and matched.

Stay Connected: Share your travel itinerary with family or friends and stay in touch regularly, especially if you’re traveling alone. Think about using a smartphone or wearable device with GPS capabilities for added safety.

Embrace Slow Travel: Be realistic about how much you can do in a day and allow yourself a chance to slow down and savor the moment. Take time to appreciate the little things, whether it’s enjoying a local meal or watching a sunset over the ocean. 

Be Open to New Things: Traveling is an opportunity for personal growth and discovery. Try new foods, meet new people, and step out of your comfort zone.

Precautions for Senior Travelers

Seniors should always take extra precautions when traveling, whether domestically or abroad. Medical conditions, mobility, and other considerations should be factored in.

Consult with Your Doctor: Before embarking on any trip, especially if it involves long flights or strenuous activities, consult your doctor. Ensure that you’re physically fit for the journey and discuss any necessary vaccinations or medications you may need.

Purchase Travel Insurance: Comprehensive travel insurance can cover medical emergencies, trip cancellations, and other unexpected events. This will provide peace of mind in case of any unforeseen circumstances.

Pack Medications and Medical Information: Carry an ample supply of any prescription medications you need, along with a list of medications and your medical history. It’s also a good idea to have copies of your prescriptions in case you need refills during your trip.

Stay Hydrated and Rested: Traveling can be exhausting, so make sure to stay hydrated and get plenty of rest. Take breaks when needed and listen to your body.

Be Mindful of Mobility: Choose destinations and activities that suit your mobility level. Research wheelchair accessibility, if needed, and opt for accommodations and tours that accommodate senior travelers.

Come Home Again to a Senior Lifestyle Community

By taking necessary precautions, choosing suitable locations, and following these tips, senior travelers can embark on unforgettable journeys filled with adventure, relaxation, and cultural enrichment. 

When you come back home, you can find a comfortable, supportive space at any Senior Lifestyle community. At Senior Lifestyle, we can help you live a worry-free life while we take care of the everyday needs of living, such as cleaning and meal preparation.

Find out more about Senior Lifestyle or schedule a visit today.

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Read the fine print: Winnipeg couple's travel insurance claim 'not covered,' insurer says

Flood forced pair to cancel trip, but cancellation coverage didn't include specific event.

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A Winnipeg senior is questioning the value of buying flight cancellation insurance after his claim was denied.

James Parker, 78, and his wife, Rena, bought two tickets on WestJet flights to Calgary last December to visit relatives in January. They purchased the cheapest ticket option knowing they wouldn't get a refund or credit should they need to cancel, so they decided to get cancellation insurance just in case.

The insurance was a cheaper option than the more expensive tickets.

"Pre-COVID, we didn't really buy cancellation insurance," James Parker said.

Because there have been so many delays with airlines since the pandemic, Parker says he thought he would get insurance for peace of mind. After he selected his tickets and seats, he clicked on the box for cancellation insurance.

"It was $117, I think, something like that," he recalled. "It gives me a little bit of peace of mind, you know, so that's what I did."

A few weeks later, he says, they got a call that their accommodations would no longer be available because their relative's condo had flooded and she was forced to move out for six weeks. The Parkers had rented a condo in the building, but were told they would no longer be able to stay there.

WestJet refunded Parker's seat selection, but he was still out $623.72 on the cost of the flight. He filed a claim with Allianz Global Assistance Canada, thinking he would be covered. He was not. 

"I mean, it said cancellation insurance. Quite honestly, I didn't read the fine print," Parker said.

"You would think there would be some leeway … it was impossible for us at the time to to make other arrangements." 

A spokesperson for Allianz Global Assistance says the trip cancellation and interruption plan offered through WestJet does not cover disasters that affect prepaid accommodations at the insured's destination.

"In general, for prepaid travel expenses to be eligible for reimbursement under trip cancellation benefits, the reason for cancellation must be listed as a 'covered reason' within the customer's policy of insurance," wrote Tayjua Squire, manager of corporate communications for Allianz Global.

She said a copy of the policy would have been provided to the customer at time of purchase.

Squire said all travellers should review their policy to understand the scenarios that are covered, and those that are not.

He believed his claim was reasonable and would therefore be reimbursed for the cancelled flights, but later learned if it's not listed as a covered reason no refund is provided.

"I thought it was unfair, and I questioned my idea about what insurance is for," he said.

94% of claims are paid: insurance association

The Travel Health Insurance Association of Canada says a recent survey showed 94 per cent of travel insurance claims are paid.

"The benefits are there for many Canadians when they're purchasing it. It's the unfortunate times when the coverage expectation doesn't line up with the actual wording of the policy," said the association's executive director, Will McAleer. 

He says policies vary and advises purchasers to become familiar with what's covered before boarding the flight. 

"They put policies in and they price them according to the wording that they've got, so it'll cover certain things in one policy, but maybe not another ," McAleer said.

For example, one of the "covered reasons" listed on Allianz Global's website includes a disaster "that renders your pre-booked destination accommodation uninhabitable after you book your trip." In that case, the Parkers would have been covered, but that option was not included in the WestJet policy he purchased.

"It's not unusual for insurers in the Canadian market to have many different policy wordings depending on the partner or the partnership that they're working on. And those can differ in terms of coverages and provisions," McAleer said.

Parker feels he had a valid reason to cancel his trip and should have been covered.

"It's the principle more than the money that is bothering me at the moment," he said, adding travel insurance policies need to be more nuanced.

"I understand it's a business to make money, but I think there should be leeway to deal with changes or modifications that arise, because not everything can be written down, you know? I mean, it's life," Parker said.

He said in the future he would rather buy travel insurance from a local company, and not just tick off a box and hope he will be covered if anything happens.

Winnipegger denied flight refund even though he bought cancellation insurance

About the author.

Investigative Reporter, CBC Manitoba I-Team

Caroline began her career co-hosting an internet radio talk show in Toronto and then worked at various stations in Oshawa, Sudbury and Toronto before landing in Winnipeg in 2007. Since joining CBC Manitoba as a reporter in 2013, she won a Canadian Screen Award for best local reporter, and received a CAJ and RTDNA awards for her work with the investigative unit. Email: [email protected]

• Twitter: @cbarghout
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Parliamentary Appearance by the Governor and the Senior Deputy Governor of the Bank of Canada

OTTAWA – On Wednesday, May 1, 2024, the Governor of the Bank of Canada, Tiff Macklem, will appear before the Standing Senate Committee on Banking, Commerce and the Economy. He will be accompanied by Senior Deputy Governor Carolyn Rogers.

16:15 (Eastern Time)

Senate of Canada, Room W110 1 Wellington Street Ottawa, Ontario

The Governor’s opening statement will be published on the Bank's website at 16:15 (ET).

There will be no media activity following the appearance.

Audio and video webcasts of the appearance will be accessible from the Parliament of Canada’s website .

For more information, please contact Media Relations .

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