{"id":37847,"date":"2026-05-22T11:16:24","date_gmt":"2026-05-22T15:16:24","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=37847"},"modified":"2026-05-22T11:16:28","modified_gmt":"2026-05-22T15:16:28","slug":"best-travel-insurance-seniors-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/best-travel-insurance-seniors-canada","title":{"rendered":"Best Travel Insurance for Seniors"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Best Travel Insurance for Seniors<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-05-22T11:16:24-04:00\">May 22, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">11 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Tammy-Burns.webp?quality=80&w=1024\" alt=\"Tammy Burns\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tammy Burns<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-travel-insurance-for-seniors.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Best Travel Insurance for Seniors\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-travel-insurance-for-seniors.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-travel-insurance-for-seniors.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-travel-insurance-for-seniors.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Best Travel Insurance for Seniors &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/best-travel-insurance-seniors-canada\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/best-travel-insurance-seniors-canada\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Why is travel insurance important for seniors?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-why-is-travel-insurance-important-for-seniors\">Why is travel insurance important for seniors?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-to-look-for-in-the-best-travel-insurance-for-seniors\">What to look for in the best travel insurance for seniors<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-seniors-should-consider-when-getting-travel-insurance\">What seniors should consider when getting travel insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-best-travel-insurance-for-seniors\">How to choose the best travel insurance for seniors<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-common-exclusions-for-senior-travel-insurance\">Common exclusions for senior travel insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-tips-for-buying-travel-insurance-for-seniors-in-canada\">Tips for buying travel insurance for seniors in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-travel-insurance-solutions-for-seniors\">Travel insurance solutions for seniors<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-travel-insurance\">RBC Travel Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Travel dreams don\u2019t have an expiry date and, for many of us, retirement is our time to finally check off those bucket list destinations \u2014 maybe a Mediterranean cruise, a Serengeti safari, or a road trip across Canada.<\/p>\n\n\n\n<p>That said, before you hit the open skies, seas, or roads, it\u2019s important to make sure you\u2019re properly protected. The unfortunate reality is that we can become more susceptible to illness and injury as we age, and medical treatment abroad can be costly.<\/p>\n\n\n\n<p>From pre-existing conditions to age considerations, here\u2019s how to make sure your next travel adventure is as worry-free as possible.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Medical emergencies while travelling can result in costly out-of-pocket costs that provincial health plans may not cover or cover very little.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pre-existing conditions typically need to be stable for a set period before your departure to be eligible for coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip cancellation and interruption insurance should be purchased as early as possible \u2014 ideally when you make your first deposit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The right policy depends on your age, trip length, and frequency of travel.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Always be honest when completing a medical questionnaire. Undisclosed health conditions could result in your claim being denied.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-travel-insurance-important-for-seniors\">Why is travel insurance important for seniors?<\/h2>\n\n\n\n<p>It\u2019s a frustrating part of getting older: as we age, our health can become more of a risk. Conditions like arthritis and heart disease become more common, our immune systems may no longer fight off illness the same way, and we may be more likely to injure ourselves if we fall.<\/p>\n\n\n\n<p>While anyone planning a trip should consider travel insurance, it becomes more important when you\u2019re a senior. Without the right coverage, a medical emergency far from home can turn into a serious financial burden.<\/p>\n\n\n\n<p>However, older Canadians need to get the <em>right<\/em> travel insurance as some policies may have age restrictions or exclude pre-existing conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-look-for-in-the-best-travel-insurance-for-seniors\">What to look for in the best travel insurance for seniors<\/h2>\n\n\n\n<p>Travel insurance plans vary in what they cover, how much they pay out, and who they&#8217;re designed for, so it&#8217;s important to know what to look for.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Emergency medical coverage<\/h3>\n\n\n\n<p>Most Canadians are at least partially covered for medically necessary care anywhere in Canada, even if it\u2019s outside their own province or territory.<\/p>\n\n\n\n<p>However, there may be limitations depending on <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/understanding-your-out-of-province-government-medical-coverage\/\" data-dig-id=\"LP-TravelInsurance-37847-657f41be\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"your province\u2019s health care plan\" class=\"rbc-link-format\">your province\u2019s health care plan<\/a>, especially when travelling to another country. In many cases, you may not be covered at all for medical emergencies abroad.<\/p>\n\n\n\n<p>And those costs can add up fast if you\u2019re in a country with high medical fees. In the U.S., for example, a hospital visit can cost over C$4,000 per day.<\/p>\n\n\n\n<p>RBC\u2019s <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-insurance-for-seniors\/\" data-dig-id=\"LP-TravelInsurance-37847-c5b3447f\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"medical travel insurance for seniors\" class=\"rbc-link-format\">medical travel insurance for seniors<\/a> provides unlimited coverage for eligible medical expenses that aren\u2019t covered by your provincial or territorial health plan. It also includes air ambulance and medical evacuation coverage in case you need to be transported to another facility or even another country for treatment.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pre-existing condition coverage<\/h3>\n\n\n\n<p>If you have a pre-existing condition, such as diabetes, arthritis, or an autoimmune disorder, you\u2019ll want to make extra sure you\u2019re covered.<\/p>\n\n\n\n<p>Typically, you\u2019ll need to complete a medical questionnaire and be stable for the required duration outlined in your policy, prior to your departure. For insurance purposes, a condition is generally considered \u201cstable\u201d if you\u2019ve had:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>No new treatments or medications or changes to treatment or medication<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No new symptoms, nor an increase in the severity of symptoms<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No new negative test results<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No new investigations initiated based on your symptoms<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No hospitalizations or specialist referrals<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No tests, investigation or treatment recommended, but not yet completed, nor any outstanding test results<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No planned or pending treatment<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trip cancellation and interruption<\/h3>\n\n\n\n<p>The unexpected can always happen, whether that\u2019s a health emergency that prevents you from traveling, bad weather that delays your flight or cruise, or &nbsp;a medical emergency of a family member that forces you cancel your trip.<\/p>\n\n\n\n<p>In these scenarios, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/trip-cancellation-interruption-insurance\/\" data-dig-id=\"LP-TravelInsurance-37847-5f88b640\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"trip cancellation and interruption insurance\" class=\"rbc-link-format\">trip cancellation and interruption insurance<\/a> will reimburse you for non-refundable pre-paid travel expenses, as well as out-of-pocket costs such as having to pay for extra nights in a hotel or meals at an airport.<\/p>\n\n\n\n<p>Always buy this coverage sooner rather than later \u2014&nbsp;ideally, as soon as you have an estimate of the trip\u2019s full cost or put down your initial deposit. It only takes effect when you buy it, not retroactively to when you booked the trip.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Additional emergency coverage<\/h3>\n\n\n\n<p>To get the most value from your policy, look for additional coverages such as <strong>24\/7 emergency assistance<\/strong>. With RBC Insurance, for example, you get access to multi-lingual professionals and registered nurses who can guide you in getting proper medical care.<\/p>\n\n\n\n<p>Another important feature is <strong>transportation to the nearest medical facility<\/strong> \u2014&nbsp;this can be especially critical in a remote location. Consider coverage that also includes transportation for a friend or family member to be at your bedside.<\/p>\n\n\n\n<p>Look for <strong>emergency dental coverage<\/strong>, should you need treatment to repair or replace your teeth due to an accident while travelling. Some plans also include continued treatment once you return to Canada.<\/p>\n\n\n\n<p>Finally, you may want to inquire about <strong>return transportation for your travelling companion<\/strong>, your children and an escort, or even your pet if they\u2019re with you on your trip and you need to return to Canada because of your medical condition.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-seniors-should-consider-when-getting-travel-insurance\">What seniors should consider when getting travel insurance<\/h2>\n\n\n\n<p>Not all travel insurance policies are created equal, and choosing the right one can make a significant difference in both coverage and cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Multi-trip vs single trip coverage<\/h3>\n\n\n\n<p>If you travel two or more times in a year, you may want <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/annual-multi-trips\/\" data-dig-id=\"LP-TravelInsurance-37847-e952b9ed\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"multi-trip travel insurance\" class=\"rbc-link-format\">multi-trip travel insurance<\/a>. Not only is this more convenient than buying a new policy each time, but it also saves you money.<\/p>\n\n\n\n<p>Plans are available for multiple trips of 9, 16, 30 or 60 days.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Destination considerations<\/h3>\n\n\n\n<p>Where and how long you travel is a big consideration when choosing the right insurance. Consider:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>How remote your destination is<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How long your trip is<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How expensive your trip is<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How adventurous your activities are<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>For example, if your trip is to the U.S., you\u2019ll want a plan that can cover high medical costs. If you\u2019re a snowbird who spends several months in Mexico, you\u2019ll need a plan that covers the full length of your time away.<\/p>\n\n\n\n<p>An expensive walking tour in Europe may require high-limit emergency evacuation and enough trip cancellation coverage for the full costs of the trip. While an all-inclusive resort in Aruba may not expose you to as much medical and financial risk, should you require help.<\/p>\n\n\n\n<p>If you\u2019re <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/going-on-a-cruise\/\" data-dig-id=\"LP-TravelInsurance-37847-d6a6ac78\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"going on a cruise\" class=\"rbc-link-format\">going on a cruise<\/a>, look for insurance that will cover you in case you miss the ship\u2019s departure due to a delayed or cancelled flight.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Age restrictions and coverage structure<\/h3>\n\n\n\n<p>Different travel insurance policies have different coverage structures. You can typically choose a limited standard plan with one type of coverage or a comprehensive plan that includes emergency medical, trip cancellation\/interruption, and baggage.<\/p>\n\n\n\n<p>Some plans have age requirements, but there are designated options for seniors. RBC offers three <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/compare-travel-insurance\/\" data-dig-id=\"LP-TravelInsurance-37847-b76cda42\" data-dig-label=\"comprehensive travel insurance plans\" data-dig-action=\"link click\" data-dig-category=\"LP-TravelInsurance\" class=\"rbc-link-format\">comprehensive travel insurance plans<\/a>, depending on your age and trip duration: <\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Deluxe<\/strong> for travellers aged 0-74 and heading outside of Canada. For ages 60-74 ,travel must be less than 60 days. <\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>TravelCare Package<\/strong> for mature travellers aged 75+ and heading outside of Canada for less than 60 days. A medical questionnaire must be completed. <\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Travel Within Canada<\/strong> for anyone travelling domestically for a maximum of 365 days. <\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-best-travel-insurance-for-seniors\">How to choose the best travel insurance for seniors<\/h2>\n\n\n\n<p>Before you buy any travel insurance, do a bit of prep work and research to make sure you\u2019re getting the right plan for you.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Assess your health<\/h3>\n\n\n\n<p>It\u2019s a good idea to check with your doctor before travelling, especially if you have any conditions that need monitoring.<\/p>\n\n\n\n<p>Once you\u2019re cleared to travel and ready to purchase insurance, make a list of your medications and any other notable health info. You may need to complete a medical history questionnaire as part of your quote, so it\u2019ll be handy to have that information on hand.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Understand your pre-existing conditions<\/h3>\n\n\n\n<p>Different insurers define pre-existing conditions differently. Make sure you understand what your insurance policy considers \u201cpre-existing.\u201d<\/p>\n\n\n\n<p>Typically, any pre-existing conditions need to be stable for a set period to be eligible for coverage. Be honest when completing a medical questionnaire \u2014 if you don\u2019t disclose known health conditions and need to file a claim later, you could be denied coverage.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Compare coverage options and costs<\/h3>\n\n\n\n<p>Get quotes from multiple insurers or for different plans. As you compare, consider both the maximum coverage limits and what coverage is included. For example, does the plan offer 24\/7 emergency support and direct billing? Is emergency dental included?<\/p>\n\n\n\n<p>Read the fine print and make sure you understand what\u2019s excluded, so you\u2019re not caught by surprise later.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consider your travel plans<\/h3>\n\n\n\n<p>Estimate what kind of coverage you\u2019ll need for your trip. Are you headed to a destination with high medical costs or where medical access may be limited? If so, you\u2019ll want high coverage limits for emergency medical treatment or even evacuation.<\/p>\n\n\n\n<p>How long is your trip? Do you travel once per year or take multiple trips? Check the policy\u2019s duration or consider a multi-trip plan if you\u2019re a frequent traveller.<\/p>\n\n\n\n<p>Lastly, consider what activities you\u2019ll be taking part in. Some high-risk activities like mountain climbing may not be covered. Look for a policy that doesn\u2019t exclude the things you\u2019ll be doing on your trip.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-exclusions-for-senior-travel-insurance\">Common exclusions for senior travel insurance<\/h2>\n\n\n\n<p>While travel insurance covers a lot of things that could go wrong, it doesn\u2019t cover everything. Thankfully, the things that typically aren\u2019t covered are preventable, so long as you take the proper precautions.<\/p>\n\n\n\n<p>Here are some common exclusions:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A pre-existing medical condition that wasn\u2019t stable before your trip<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Travelling against medical advice<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Receiving non-emergency, experimental, or elective treatment<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Participating in high-risk activities if your policy doesn\u2019t cover them<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Failing to take prescribed medications or follow other prescribed treatments<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Becoming ill or injured due to alcohol or drug use<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tips-for-buying-travel-insurance-for-seniors-in-canada\">Tips for buying travel insurance for seniors in Canada<\/h2>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Buy coverage as soon as you book:<\/strong> Travel insurance must be purchased before your departure date to be valid, and buying early means you&#8217;re covered if you need to cancel. If you wait until the last minute, you risk losing that protection.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Be honest on your medical questionnaire:<\/strong> Read and answer each question carefully and accurately. Incorrect answers could lead to your coverage being voided or your claim denied. If you&#8217;re unsure about anything, check with your doctor before submitting.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Keep all medical documentation while travelling:<\/strong> Hold onto receipts, prescriptions, hospital records, and any other paperwork related to medical care you receive abroad. These will be essential if you file a claim.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Understand what your provincial health plan covers abroad:<\/strong> Canada&#8217;s provincial and territorial health plans may only pay for a small portion of out-of-country costs, or nothing at all.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Discuss any pre-existing conditions with your doctor:<\/strong> If you are unsure if your pre-existing conditions can be deemed stable prior to your departure date, it is best to discuss with your doctor. Provide your doctor with a copy of the policy so they can understand which pre-existing exclusion may apply to you and have them refer to the stable definition.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Work with an insurance advisor:<\/strong> Choosing the right travel insurance can be overwhelming. A advisor can help you find a plan that fits your needs.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-travel-insurance-solutions-for-seniors\">Travel insurance solutions for seniors<\/h2>\n\n\n\n<p>The right travel insurance policy can mean the difference between a worry-free trip and a costly nightmare \u2014 so it&#8217;s worth taking the time to find one that truly fits your needs.<\/p>\n\n\n\n<p>RBC Insurance offers travel insurance plans specifically suited to seniors, with unlimited emergency medical coverage and 24\/7 emergency assistance. You can quickly <a href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO&amp;advice=warm_winter\" data-dig-id=\"LP-TravelInsurance-37847-fb52c30e\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"get a quote online\" class=\"rbc-link-format\">get a quote online<\/a> to see what\u2019s available to you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-rbc-travel-insurance\">RBC Travel Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">If you need help during your trip for a medical or other travel emergency, help is available 24\/7.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T\" data-dig-id=\"LP-TravelInsurance-37847-476a44f4\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get A Quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T \">Get A Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CTA-72-b7ecbe10\" data-dig-category=\"LP-CTA\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-14c42cf9-e658-45c7-affd-ab7e4bcf114a {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-14c42cf9-e658-45c7-affd-ab7e4bcf114a {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-14c42cf9-e658-45c7-affd-ab7e4bcf114a\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Whether you need travel medical insurance or trip cancellation and interruption, here\u2019s the best travel insurance options for seniors and retirees in Canada. <\/p>\n","protected":false},"author":208,"featured_media":37849,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[53],"tags":[10,11],"article-type":[80],"ppma_author":[187],"class_list":["post-37847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-insurance","tag-travel","tag-travel-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best Travel Insurance for Seniors RBC Insurance<\/title>\n<meta name=\"description\" content=\"Whether you need travel medical insurance or trip cancellation and interruption, here\u2019s the best travel insurance options for seniors and retirees in Canada.\" \/>\n<meta name=\"robots\" content=\"index, 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