Make An Informed Decision

Your Province’s Out-Of-Country Emergency Health Services

In Canada, provincial health insurance plans will look after most hospital and medical expenses, and you rarely see a bill. But when travelling outside of Canada or even your home province, coverage under your provincial health plan is limited, and only a fraction of these expenses may be covered.

To learn what may or may not be paid for outside of Canada, we’ve provided links to health insurance plan websites for every province and territory.

For details on out-of-country services, plus important “physical presence” requirements for snowbirds, Click Here.

NEVER buy travel insurance on price alone

Outside Canada, coverage provided by provincial health plans for hospital and medical expenses is very limited. Without additional insurance, costs incurred from a medical emergency can be financially devastating.

Travel insurance is designed to pay for unexpected costs that arise while you’re away, such as hospital / medical, trip cancellation and lost baggage. Be aware that not all plans provide all coverage, and you get what you pay for.

If it sounds too good to be true, it probably is. Don’t be fooled by low price. Look at benefits, coverage levels and most importantly, the policy maximums. More important, don’t wait to the last minute to purchase travel insurance. Give yourself time to compare plans.

BE SURE OF WHAT YOU’RE BUYING - make sure it meets your needs

(1) PRE-EXISTING CONDITIONS: What are the restrictions and limitations?

(2) FULL LENGTH OF TRIP: Are you covered for the duration of the trip?

(3) CHANGE OF PLANS: Can coverage be extended after you’ve departed?

(4) RETURN TRIP HOME: Is it paid for in the event of an emergency?

(5) ASSISTANCE SERVICES: What is offered, and how are services accessed?

Remember, most claim denials result from customers not understanding what they have purchased, not knowing their own obligations in an emergency, or simply not reading their policy to learn what is and isn’t covered. If in doubt, ask questions BEFORE you buy.

HONESTY - on your application, it’s the ONLY policy

You need to answer all questions on your application honestly. Otherwise the policy may be voided, and your claim may be denied.

The licensed brokers at Travel Insurance for CARP Members are qualified to assist with your medical declaration. They will work with you to help ensure that you understand all medical questions.

But if you’re unsure of the meaning of any questions on the application, or are unsure of your medical conditions, our brokers will recommend that you verify your information with your doctor.


CLHIA - the Canadian Life and Health Insurance Association is a voluntary trade association working on behalf of all its member life and health insurers. CLHIA produces a number of publications designed to assist Canadian consumers in making informed decisions.

One such CLHIA publication, A guide to travel health insurance, is intended to help consumers make the most of their travel health insurance coverage. The guide outlines that the expected costs that may arise when traveling can include emergency hospital/medical costs, trip cancellation, lost baggage etc., but points out that not all plans cover all of these components.

GREAT RESOURCE: to download and read A guide to travel health insurance, Click Here.

THIA - The Travel Health Insurance Association of Canada is a national organization of travel insurance providers working together for the protection of the travelling Canadian. Their suggested travel insurance shopping tips include:

  • Don’t buy on price alone. Insurance plans differ. All policies need to fit your health profile.
  • Read your Policy. Discuss it with your advisor. Examine a plan’s exclusions and limitations: what it doesn’t cover, as well as what it does.
  • Many plans cover pre-existing conditions that are stable and controlled, but you have to understand what “stable and controlled” means. If you must complete a medical application, do it completely and accurately and get your doctor’s help if you need to.
  • Don’t wait to the last minute to buy your insurance. If you need to provide medical information you may want to consult your doctor or your pharmacist or a family member who knows about your medical history. Leave time to do this properly.
  • If you buy early for a trip you’re taking later on in the year and your health changes in the interim, notify your insurer immediately.
  • For those with medical conditions, the best way to purchase travel insurance is to deal with a qualified advisor who deals extensively in travel insurance.

Great Resource: To download and read the Travel insurance consumer guide on, Click Here.

A FINAL WORD: The McLennan Group urges you to be certain the program selected is right for your needs. Always read the fine print and ask questions before you buy, because insurance without proper coverage is like having no insurance at all. Remember, your protection is our priority.


Here’s Great News for Snowbirds

We’re still offering the lowest rates in years on our single trip and multi-trip emergency medical plans!

And knowing there’s a lot to think about before you fly south, be assured that if plans change after you buy your insurance, there’s no fee to switch travel dates before departure. Plus if needed, top-ups and extensions are available.

It’s The Plan Snowbirds Can Trust

50-plus travellers know that having proper insurance coverage makes a world of difference. That’s why experience travellers trust the only travel insurance provider to be CARP recommended for 25 years.

The key personnel at our program partner brokerage have over 80 years of combined travel insurance experience. And because their primary customers are snowbirds, they know the coverage and benefits typically required by a snowbird traveller.

Biking On The Beach
Snowbird Protection Checklist

Click Here for important information to help ensure that you, your home, vehicle and pets are protected while you’re travelling. And if you have questions, talk with your insurance provider before you leave!

50-Plus Traveller Safety Tips

Click Here to read practical safety tips for travellers 50-plus. Retired OPP Sgt. Bob Paterson specializes in modern crime and injury prevention tips, whether you’re at home, on the road, or travelling.

We welcome travellers who are not yet members of CARP!

A national, non-profit organization, “CARP advocates for better health care and financial security for Canadians as we age and gives its members access to great benefits and discounts”. To learn more about CARP, please click the CARP logo at the top of this page.

As CARP’s recommended and trusted provider since 1993, The McLennan Group Life Insurance Inc. is a 100% Canadian owned, nationally licensed all-lines brokerage. And we’re 50-plus insurance specialists. So even if you’re not a member of CARP, call us at 1.877.566.1417 and we’ll work to offer a coverage solution for your needs.