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Travel insurance for seniors

 Spend your retirement exploring the world. But make sure you stay protected from unexpected travel and medical expenses with CAA Travel insurance for seniors. Plus, CAA Members save up to 20%1 on their policy. If you’re not a CAA Member, join now for just $302 a year plus tax.

It’s now easier than ever to get travel insurance online – even if you need to answer a medical questionnaire. In just a few simple steps, you’ll have a quote that’s good for 30 days. You can also visit a CAA Store or call 1-800-267-8713 to speak with a CAA Travel Consultant.

Get a Quote

Seniors travelling in France, Europe

How does travel insurance change for people over 60?

You may feel as fit as you did in your twenties, or you may be developing some health conditions. In either case, here’s what you need to know about travel insurance after 60:

  • You’ll need to answer a medical questionnaire before you’re eligible to buy a travel medical insurance plan. CAA's simple questionnaire makes it as easy as possible to get a quote online.
  • If you have a pre-existing medical condition3, you’ll need to be stable for three months prior to each departure date if you're between 60-69 years (or six months if you’re 70 and over).
  • Diabetes becomes more expensive. Diabetes is a manageable condition, but when you turn 60, travel insurance rates will increase due to increased risk of complications.
  • Your travel insurance rates will increase every five years at 60, 65, 70 – you get the picture. As you age, the risks increase, so your travel insurance coverage will go to make sure you’re covered no matter what.

Pre-Existing Conditions Rider

Senior couple on a sailing cruise

Don’t forget trip cancellation and trip interruption insurance

Overseas medical bills aren’t the only way to ruin a trip. Trip cancellation and trip interruption insurance will protect you against both bad luck and tough circumstances. Here’s what trip cancellation and trip interruption covers:

  • If inclement weather forces you to miss a flight on your way to board a cruise, it’ll pay up to $2,500 to book a seat on the next available plane.
  • If the airline loses your luggage, it’ll pay up to $500 to purchase new clothing and essentials.

Add trip cancellation and trip interruption coverage for your next vacation.

Learn More


Insurance coverage options and benefits4

Dental work if you’re hit in the mouth

$5,000,000 

Emergency dental pain 

$500

Medical follow-up in Canada

$1,000 semi-private room, private nursing $50

Getting family/travel companions home

Economy flight and $1,500 accommodation and meals

Childcare and escorted trips home

$1,000 and cost of an economy flight

Help for your pet

$500 to return your pet
$300 commercial kennel
$300 vet cost in the event of an accident 

Vision

Up to $300 for the replacement at your trip destination of prescription eyeglasses due to theft, loss or breakage during your trip and assistance to co-ordinate the replacement.

Hearing aid

Up to $200 for the replacement at your trip destination of a hearing aid due to theft, loss or breakage during your trip and assistance to coordinate the replacement. Does not include batteries or ear molds.

Bringing your car home

Reasonable costs 

Return of deceased 

Reasonable costs 

Cancel for Any Other Reason 

75% Cancel for Any other reason, if your travel is booked through CAA Travel or 50% Cancel for any reason if you book with your travel through another provider.

Interruption for Any Other Reason 

Interruption for Any Other Reason (up to $2,500) would be 75% coverage if you interrupt your trip for Any Other Reason when you book with CAA Travel or 50% coverage if you book your travel through another provider. To use interruption for Any Other Reason, you must be at your destination for at least 48 hours.

Before you leave (trip cancellation) 

To the amount you purchase

After you have left (trip interruption) 

Reasonable cost to either continue your travel or return home, plus the cost of unused travel services

Denied boarding or entry due to health rules (including COVID-19) or mistaken identity 

Reasonable cost for food and accommodation related to a delay in returning home.  You won’t have coverage if there was an “Avoid non-essential travel” or “Avoid all travel” advisory in place, or you haven’t taken the steps prescribed by the government.

Return trip delay

Reasonable cost to return home 

Continue your trip after coming home (BounceBack) 

$2,000

Lost or damaged baggage (if you choose to add this) 

Up to $1,500

Travel Accident Insurance (if you choose baggage option) 

Flight Accident $100,000 & Travel Accident $50,000

Read our full policy guide online.


Getting a travel insurance quote online

Don't pass up CAA Member discounts!

When purchasing CAA Travel Insurance online, make sure to provide your CAA card number to save up to 20% on your insurance premium.

You'll be requested to input your 16 digital card number after reviewing your quote.


Why trust CAA Travel Insurance?

CAA is Canada’s #1 Most Trusted Brand5

We offer 24/7 Multilingual Assistance6

Get up to $5 million of coverage7

CAA Members save up to 20% on their policy1

Canadian Goose flying over Peru

CAA Members save up to 20% on travel insurance1

Get a Quote

CAA Member testimonial

Frequently Asked Questions

Yes! Even if you are over 60 you are still eligible for our travel insurance plans as long as you complete our medical questionnaire.

Unfortunately, once you reach the age of 60, your insurance rates will increase due to the increased risk of health complications. These premium increases will not be detrimental, but they are something to consider when planning out your travel budget.

Starting at age 60, you can expect your premiums to increase every five years at ages: 60,65,70…etc.

You are still able to get travel insurance with pre-existing medical conditions, as long as you have been stable for three months or six months if you’re 70 and over you will be eligible to purchase our travel insurance for seniors.

If you have diabetes, you will still be able to get travel insurance but once you are over 60 with diabetes the price of our premiums increase significantly due to the increased risk of a health incident with your condition.

For travelers 69 and under, you must be in stable condition for three months before each departure date. For travellers 70 and over, you must be in stable condition for six months before your departure date.

For those age 60 and above, any medical conditions you knew of prior to purchasing travel insurance are considered “pre-existing conditions” —and you’ll need to declare them. These conditions can range from high cholesterol and diabetes to cancer.


Read more about CAA Travel Insurance

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CAA Travel Insurance, an Orion Travel Insurance product, is underwritten by Echelon Insurance. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire is required if you are 60 years of age and older. Quotes are valid for 30 days. 

1. Applies to CAA Members in good standing (CAA Membership dues paid in full by Membership expiry date). Up to twenty percent (20%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Subject to change without notice. Excludes Visitors to Canada Insurance. CAA Everyday, Classic®, and Plus® Members save 10%. CAA Premier® Members save 20% at CAA Stores or by calling 1-800-267-8713. CAA Premier Members save 10% and earn 10% in CAA Dollars® when booking online. 

2. Visit caaneo.ca/termsandconditions for offer details and full Membership Terms and Conditions. 

3. To have your pre-existing medical condition covered by your travel insurance policy, the medical condition should be stable as defined by your policy. Please check our full policy guide online for all the details.

4. Conditions apply. Check out our full policy guide online for all the details. 

5. CAA was voted the number one most trusted brand in Canada by the Gustavson School of Business Brand Trust Index in 2022.  

6. CAA Assistance is provided by Global Excel Management Inc. In-province virtual assistance is limited to four (4) calls per insured per policy term. 

7. Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover trip days in excess of 212 days in Ontario in a 12-month period. 

®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.