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Survey of lowest online medical insurance premiums in Canada
{tab=Age 61 Medical Premiums}Age | 61 year old, Non Smoker, Excellent Health | |||||
Destination | USA | |||||
Trip Length | 7 days | 30 days | 60 days | 90 days | 120 days | 180 days |
| TraveInsuranceQuotes.ca | ||||||
| Kanetix | $20.02 | $85.80 | $187.20 | $234.00 | $373.20 | $594.00 |
| CARP | $19.56 | $83.82 | $170.28 | $275.22 | $389.40 | $706.86 |
| Travel Insurance Now | $25.23 | $99.71 | $199.41 | $344.66 | $459.54 | $782.46 |
| Ontario Blue Cross | Not Available Online | |||||
| Pacific Blue Cross | Not Available Online | |||||
| RBC Insurance | Not Available Online | |||||
| Snowbirds.org | $55.00 | $122.10 | $182.60 | $267.30 | $363.00 | $760.10 |
| CAA (Ontario) | Not Available Online | |||||
| BCAA (BC) | $19.00 | $85.50 | $171.00 | $299.25 | $399.00 | $695.00 |
Age | 71 year old, Non Smoker, Excellent Health | |||||
Destination | USA | |||||
Trip Length | 7 days | 30 days | 60 days | 90 days | 120 days | 180 days |
| TraveInsuranceQuotes.ca | $1,008.00 | |||||
| Kanetix | $31.19 | $133.65 | $291.60 | $475.20 | $633.60 | $917.00 |
| CARP | $31.11 | $133.32 | $273.90 | $454.41 | $644.16 | $1106.82 |
| Travel Insurance Now | $58.12 | $249.09 | $498.18 | $873.54 | $1,137.80 | $2,043.80 |
| Ontario Blue Cross | Not Available Online | |||||
| Pacific Blue Cross | Not Available Online | |||||
| RBC Insurance | Not Available Online | |||||
| Snowbirds.org | $75.90 | $193.60 | $327.80 | $500.50 | $728.20 | $1248.50 |
| CAA (Ontario) | Not Available Online | |||||
| BCAA (BC) | $53.20 | $228.00 | $456.00 | $785.00 | $1,055.00 | $1,955.00 |
Methods Used To Find Cheapest Medical Insurance For Canadian Seniors
Deductible - Travel medical insurance is available with a wide range of deductible option. Each travel insurance company has different deductible amount and discounts for selecting the various deductible options.
To ensure all the medical insurance rates are evaluated evenly we recorded the lowest published zero deductible rates from each travel medical insurance company found online in Canada.
Coverage Amount - The amount of medical coverage available from Canadian travel insurance companies varies widely bust most plans found online carried coverage amounts of $1,000,000 or higher. We did not filter any results based on coverage amounts. TravelInsuranceQuotes.ca offers the maximum level of coverage available from the travel insurance companies.
Destination - The destination chosen is USA. Some travel medical insurance companies have plans that exclude USA coverage at a reduced premium. We have chosen to only display plans that would cover trips to the USA as most Snowbirds and senior Canadian travelers choose the travel to the USA.
Age - We have chosen to compare rates for two age groups, age 61 and age 71. Age 61 was chosen as some companies consider 60 as non-senior for medical coverage yet all companies consider age 61 to be seniors.
For similar reasons, age 71 was chosen. Some travel insurance companies include age 70 in the age 66-70 age bands while other include age 70 in the 70-75 age band. Age 71 is a better age point for consistent comparisons.
Trip Length - The following trip lengths have been displayed to represent a various common trip lengths - 7 days, 30 days, 60 days, 90 days, 120 days, 180 days
Health Condition - All rates displayed represent a Canadian, non-smoking, senior traveler who is in perfect health. Eligibility, rates, and coverage exclusions will vary widely from company to company depending on the specific health conditions reported on the application. That being said, it is extremely important to answer all medical questionnaires accurately and understand the pre-existing condition clause to ensure claims are not declined.
Pre-existing Condition Clauses - As mentioned previously, Pre-existing condition clauses are the most important aspect of medical insurance coverage for traveling Canadian seniors. The rates represented in the reports do not take into consideration the pre-existing clauses that bind these quotes.
Important Note On Pre-existing Condition Clauses Most pre-existing condition clauses will have a Stable or Treated term to define the excluded conditions. Generally speaking, as Stable clause will require that the applicant has no new diagnosis, new treatment, or change of medication within a during the stability period. A Treated clause will exclude any condition that is currently being treated by medication or other medical treatment within the defined period. A Treated clause is vast inferior to a Stable clause and only extremely healthy travelers who are not taking medications should select a plan with a Treated clause.
Conclusion - We have taken every effort to produce an accurate representation of available travel medical insurance plans available online for Canadian seniors. Should you find any inaccuracy in the report please contact us immediately at 1 866 219-7953 and will will investigate.
Although TravelInsuranceQuotes.ca provides online tools for Canadian senior travelers to research, compare and purchase travel insurance online, our licensed staff is available at 1 866-219-7953 to provide answers and guidance.
