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Travel Insurance for Seniors and Snowbirds

Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.

Here are just a few reasons to protect yourself with RBC Travel Insurance:

24-hour worldwide emergency medical and travel assistance

Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.

Unlimited coverage for eligible medical expensesDisclaimer1

If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren’t covered by your government health insurance.

Coverage for stable pre-existing conditionsDisclaimer2

You can travel knowing you’re financially protected if you need emergency medical treatment during your trip.

Safe transportation to the closest medical facility

If you need urgent treatment, we’ll provide transportation to the most appropriate facility, even if it’s in another country. We’ll also pay to have a friend or family member travel to your bedside.

Direct payment of medical bills, whenever possibleDisclaimer3

We will also coordinate payments with your government health insurance so you aren’t out-of-pocket for any costs.

Get a Travel Insurance Quote

You can get a no-obligation quote and buy now in just a few simple steps. It’s fast and easy using our secure online application.

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Travel Insurance FAQs

Have questions about travel insurance for seniors? Get the answers you need here.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

  • Take your time. The questions may take up to 10 minutes to complete.
  • You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
  • Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
  • Have your prescriptions or a description of your medications nearby for reference.
  • If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

  • You can't travel due to an illness, job loss or immediate family member's medical emergency
  • You need to return home earlier than scheduled because of a family emergency or medical condition

Note: We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

This insurance plan is subject to a maximum benefit of $20,000 if you do not have valid government health insurance plan coverage in force for the full duration of your trip.
Any pre-existing condition(s) must be stable for a specific period of time before the effective date of your policy in order to be covered in the event of a claim. For insurance purposes, stable is defined as any medical condition or related condition (including any heart or lung condition) for which there have been:
  • no new treatment, new medical management, or new prescribed medication; and
  • no change in treatment, change in medical management, or change in medication; and
  • no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
  • no new test results or test results showing a deterioration; and
  • no investigations or future investigations initiated, or recommended for your symptoms; and
  • no hospitalization or referral to a specialist (made or recommended).
Whenever possible, we will arrange direct billing of eligible medical expenses covered under your insurance policy, which can help reduce your stress and hassle.