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Insurance · Travel · Seniors

Best travel insurance for seniors

Over 60, two things change: the stability clause on your pre-existing conditions gets stricter, and some plans cap the age you can buy at. Coverage is still widely available — here’s who has no age limit, who’s easiest on pre-existing conditions, and what to check before you fly.

Compare 9 insurers Snowbird guide

Best for your situation

No stated age limit

Allianz Global AssistanceTuGo21st Century Travel Insurance

Insure at any age: Allianz and 21st Century have no stated maximum issue age, and TuGo is available for all ages.

Highest age cap on annual plans

CAA Travel InsuranceGMS TravelStar

If you want a multi-trip annual plan later in life: CAA insures to age 85, and GMS TravelStar’s annual plan goes to 79.

Shorter stability window

Manulife (CoverMe)RBC Insurance

A shorter stability window is easier to satisfy with a recent medication change: Manulife’s 90-day tier and RBC’s tiered options.

Senior-relevant comparison

ProviderMax issue ageStability windowMax coverage
Manulife (CoverMe)Canada’s largest travel insurer No single maximum confirmed; family coverage requires all members under 60 90 days (Rate Category A / age 59 and under); 180 days (Categories B and C) $10 million per insured person Review
Allianz Global AssistanceNo stated age limit No stated age limit on retail plans 150 days if 65+; 90 days if under 65 $10 million (retail emergency-medical plans) Review
TuGoOptional unstable pre-existing coverage No published maximum issue age (available for all ages) 180 days if 60+; under 60: 7 days (trips ≤35 days) or 90 days (trips >35 days); no stability requirement on Canada-only plans $10 million Review
RBC InsuranceUnlimited medical maximum Annual multi-trip by age band — to 74 (4-Day Getaway), to 64 (Classic Medical) 90, 180 or 365 days depending on the plan tier Unlimited (with valid government health coverage for the full trip); $20,000 cap without it Review
MEDOC (belairdirect, formerly Johnson)Association/retiree favourite Not isolated from the policy wording reviewed 90 days $10 million per insured person, per trip Compare
CAA Travel InsuranceMembers save up to 20% Maximum age 85 Under 60 and 60–69: stable 3 months; 70–84: stable 6 months (Vacation Package) Up to $5 million Compare
GMS TravelStarWidest deductible choice Single-trip: no age limit; annual multi-trip: age 79 or younger 180 days $5 million Compare
21st Century Travel InsuranceHighest age ceiling Ages 0–111 (minimum 30 days old) Defined in the policy; not isolated in the pages reviewed $10 million per insured person Compare
Blue Cross (regional)Buy from your home-province Blue Cross Varies — annual plans to 74 (Manitoba) up to 85 (Alberta; Saskatchewan on shorter trips) Typically 3 months under ~55/60 and 6 months at 55/60+; Manitoba uses 7-day / 90-day / 365-day tiers $5 million in most regions; $10 million at Pacific Blue Cross (BC) Compare

Full coverage details, COVID handling, deductibles and sources are on the snowbird travel insurance comparison. Age rules and stability windows verified June 13, 2026; premiums are individually quoted and rise with age.

Frequently asked questions

At what age does travel insurance get harder and more expensive?
Premiums and underwriting tighten in stages — commonly at 60, 65 and 70. The medical questionnaire gets longer, the stability window (how long your conditions must be unchanged) usually lengthens from 90 days to 180 days at 60 or 65, and annual multi-trip plans start to cap the issue age. Coverage is still very much available — Allianz, TuGo and 21st Century have no stated age limit — but compare the stability rules, not just the price.
What is the stability clause and why does it matter for seniors?
The stability (pre-existing condition) clause requires that your conditions — and often your medication and dosage — be unchanged for a set period before departure (commonly 90 or 180 days for seniors). It is the single most common reason snowbird and senior claims are denied. A recent dose change or new prescription can void coverage for that condition, so match the stability window to your situation and confirm your conditions are covered in writing.
Should seniors buy single-trip or annual multi-trip insurance?
It depends on how you travel. Single-trip covers one long stay (ideal for snowbirds wintering away for months) and usually has fewer age restrictions. Annual multi-trip covers many shorter trips in a year up to a per-trip day cap — cheaper if you travel often, but the issue-age caps bite first (e.g. CAA to 85, GMS to 79). Snowbirds taking one long winter trip usually want single-trip with the length set to their stay.
Can seniors with pre-existing conditions still get covered?
Yes — most insurers cover stable pre-existing conditions, and some offer plans built for them (Manulife’s TravelEase is designed around pre-existing conditions). The key is the stability window: if your condition has been stable for the required period (90 or 180 days), it’s typically covered. If it hasn’t, look for a shorter stability window or a plan that covers your specific condition, and always get the confirmation in writing before you travel.

Wintering away? Read the snowbird playbook

Provincial absence limits, the stability clause, and the full provider comparison.

Snowbird guide Manulife vs Allianz

Educational only, not insurance advice. Age limits, stability windows and coverage are set by each insurer, vary by plan and province, and change over time; details are sourced to each provider's own policy wording and verified June 13, 2026. Premiums are individually quoted and rise with age and health. Confirm your conditions are covered in writing before you travel. See our methodology.