You have worked all your life. Now it’s time to enjoy your freedom to the fullest. You have dreamed of travelling for years, and travel options are more numerous than ever. Whether you are dreaming of a short holiday or of a few months in paradise, we can make your life easier by offering travel insurance policies specifically designed for seniors.
Historically, Canadian seniors have always preferred to spend the winter months in the United States, particularly in Florida, Arizona, or Texas, primarily because of proximity and their similar culture. However, this is changing, little by little. Regions such as the Caribbean, South America, Portugal, and Mexico are becoming hotspots for Canadian seniors. With their lower cost of living, we can easily understand the growing interest in these countries.
Regardless of your destination of choice, you will need to make sure you have good insurance coverage. The quality of care and the costs of hospitalization can vary greatly from one country to another. Without appropriate travel insurance, you leave yourself at risk of losing everything.
Diane was nearly halfway through her 20-day vacation in Mexico when she started vomiting and suddenly collapsed. She was rushed to hospital where CT scans revealed a massive brain hemorrhage. Diane required emergency neurosurgery with a craniectomy and drainage tubes. She spent 15 days in the hospital in a coma, before being air evacuated home to Canada.
|Provincial healthcare||- $5,753.24|
|Amount paid by the insurance company||$175,535.29|
While long holidays in the sun remain popular, we have noticed a growing trend of people choosing shorter trips (fewer than 60 days) to countries a little further away, particularly among younger seniors. Often, they do not own property abroad, and prefer to travel to explore new places, renting a villa or a house during their trip.
If you would like to make multiple trips over the course of one year, multi-trip insurance is generally the best option for you. This type of insurance will let you travel when you want by saving you time and money, since you will be covered for a full year for multiple trips.
Do you suffer any health problems? Don’t worry, we offer a wide range of products, which will allow you to find insurance that corresponds perfectly to your state of health, even if your problems are recent! In fact, some of our insurance providers require only a very short stability period for pre-existing conditions, such as 7 full days without any changes. It is important to mention that to be admissible to this reduced stability criteria, you must not be awaiting tests, test results or any kind of investigation for symptoms that are considered out of routine.
Examples of pre-existing conditions that can be covered include:
Depending on your age, condition and, if applicable, your answers to our health questions and pre-existing medical conditions are covered if they are stable for a certain period of time (as specified in your protection) before your policy’s effective date. Whatever your condition, we will be able to find the perfect product for you. Please refer to the paragraph : Travelling with pre-existing medical conditions for more information on stability periods. Some exclusions may apply.
Your answers to health questions (if applicable) will determine the proper rate for coverage of your pre-existing health condition.
When answering health questions:
Contact us regardless of your state of health, your age, your destination, or the type of trip you are picturing. One of our certified agents can recommend the best insurance policy for you at the lowest price.