Insurance · Travel insurance review
Medipac review
Purpose-built for snowbirds — no age limit and an unusually forgiving 90-day stability rule make it one of the most accessible plans for older travellers with stable conditions.
Best for: Snowbirds and older travellers — especially those with stable, medicated conditions and long winter stays.
Pros
- No maximum entry age — it markets coverage for travellers over 90
- A 90-day stability window — more forgiving than the 180 days many rivals require
- Covers stable, controlled conditions including those on medication
- Coverage scales to a $10 million USD maximum on the GOLD tier
- Long-duration 4-Season Annual Plan (unlimited 23- or 33-day trips) built for seasonal travellers
- In-house 24-hour Medipac Assist, staffed by medical professionals; stacking discounts (Early Bird, Loyalty, Claim-Free) and a CSA member rate
Cons
- The base plan caps emergency medical at $2 million USD — you must upgrade (PLUS/MAX/GOLD) for $5M or $10M
- Stability is re-tested as of every departure, so a medication change before a trip can void that condition
- Pricing is entirely quote-by-application — there is no flat published rate
- Coverage maximums are stated in US dollars; those who fail the stability test go to a separate underwritten path
Built for snowbirds
Medipac is the Canadian Snowbird Association’s endorsed travel insurance, and the product shows it. There is no maximum entry age — it explicitly markets to travellers over 90 — which alone sets it apart from mass-market insurers that cap age or quietly exclude older applicants. The 4-Season Annual Plan (unlimited trips of up to 23 or 33 days each, with in-Canada trips up to 182 days and phone extensions) is designed for people who take multiple trips a year and want a single application, rather than a bundled vacation product.
The 90-day stability rule
Medipac’s pre-existing approach is one of its strongest selling points: a 90-day stability window, versus the 180 days many competitors use, and it covers stable, controlled conditions including those on medication. That makes it genuinely accessible for retirees managing ongoing conditions.
The catch every snowbird must understand: stability is tested as of each departure date. A medication change, a new diagnosis, or a recent hospitalization before a trip can void coverage for that condition on that trip. Travellers who don’t meet the stability rules are routed to a separate Individual Underwritten path with a detailed medical questionnaire and a custom quote.
Mind the coverage tiers
The headline to watch is the maximum. The base plan covers up to $2 million USD; you reach $5 million on the PLUS/MAX tiers and $10 million on GOLD. For a serious, prolonged hospitalization abroad, $2 million can be light next to the national leaders’ $10 million, so weigh the GOLD upgrade. Deductibles run from $0 to $10,000 USD (a higher deductible lowers the premium), and Medipac’s stacking discounts — Early Bird, Loyalty and Claim-Free — can combine for meaningful savings. Confirm the current tier and COVID terms in the latest guide, since Medipac repackages its tiers year to year.
Frequently asked questions
What does Medipac travel insurance cover, and how much?
Emergency medical coverage: $2 million USD base; $5 million (PLUS/MAX) up to $10 million USD (GOLD tier). Deductible: Optional deductibles from $0 to $10,000 USD (a higher deductible lowers the premium); the GOLD tier includes a $50 deductible credit. COVID-19: Emergency COVID-19 coverage included — capped at $2M on the standard tiers; the GOLD tier’s $10M maximum includes COVID. Verified on June 14, 2026 — compare all providers on our snowbird travel insurance comparison.
Can I get Medipac with a pre-existing condition?
Medipac uses a stability window of 90-day stability — stable, controlled conditions (including those on medication) are covered if stable in the 90 days before each departure; medical questionnaire: A standard application sets your rate category; a separate detailed medical questionnaire applies only to the Individual Underwritten path, for those who do not meet the stability rules. The stability clause is the most common reason snowbird claims are denied — see our snowbird guide and confirm your conditions are covered in writing.
Who handles Medipac's emergency assistance?
Issue age: No age limit (markets coverage for travellers over 90). Trip length: Single trips of essentially any length; 4-Season Annual Plan with unlimited trips up to 23 or 33 days each (in-Canada trips up to 182 days), extendable by phone. 24/7 assistance: Medipac Assist — an in-house 24-hour emergency line staffed by medical professionals.
The bottom line
Medipac is one of the most accessible plans for older snowbirds — no age cap, a forgiving 90-day stability rule, and coverage that scales to $10 million on GOLD. Just upgrade past the $2-million base if you want a cushion matching the national leaders, and remember the stability test resets every trip. Underwritten by Old Republic Insurance Company of Canada.
- Underwriter (Old Republic Insurance Company of Canada) confirmed in the 2025–2026 guide — re-check at each new policy year.
- Medipac renames/repackages its upgrade tiers (PLUS/MAX/GOLD) and their prices year to year — do not rely on specific tier prices; confirm in the current guide.
- COVID sub-limit conditions (e.g. any vaccination requirement) were not fully extracted — confirm in the policy wording before relying on COVID specifics.
Compare Medipac against the field
See all the major providers side by side, with sources.
This review is for educational purposes only and is not insurance advice. The facts shown were taken from Medipac's own materials and the rating agencies and verified on June 14, 2026; they vary by product and change without notice. Our editorial rating is never paid for. Premiums are individually quoted. Read the actual policy wording and speak with a licensed advisor before buying. See our methodology.