Travel Insurance for CARP Members

Frequent travellers, occasional travellers and snowbirds... choosing the right travel insurance is one of the most important decisions you’ll ever make. Outside Canada, provincial health plan coverage may be limited. A medical emergency could be financially crippling. CARP members: we’ve got you covered.

No matter how, where or when you plan to travel in the next 12 months.

The time to buy Travel Insurance for CARP Members is during our Pre-Season Savings Event, on now ‘til September 30, 2018.

Proper coverage makes a world of difference.

We know that having travel insurance without the proper coverage can be like having no insurance at all. That’s why when you call our toll-free number, you’re speaking with a licensed insurance broker who understands the issues facing Canadians 50-plus. Our brokers are qualified to assist with your medical declaration and provide advice on the insurance product that is best suited for you, based on your health and travel plans.

Your protection is our priority.

You’ll be protected with 24/7 worldwide emergency assistance, and up to a $10 million dollar policy limit. Your assistance calls will be answered by dedicated case managers who ensure appropriate care is being received, advise hospitals on available medical benefits, and coordinate repatriation home, while medical staff will interact directly with doctors at the hospitals our policyholders are attending. Plus, medical concierge services are provided by StandbyMD: Anywhere you travel, you’ll have telephone access to a qualified physician who can assess your symptoms and provide treatment options. In 86 countries and over 4,000 cities, you’ll have access to physician house call visits. Additional services offered when you travel to the United States. See policy for complete details.

We’ve made it easy for you to make an informed buying decision.

As CARP’s trusted provider, we know you can’t afford to buy insurance on price alone. The policy maximums, benefits and coverage levels differ from plan to plan, and you get what you pay for. Learn more: Travel Insurance for CARP Member rates, applications and sample policy wordings are in the header bar, with additional plan details below. And if in doubt, ask questions BEFORE you buy.

The Plans - our travel plans suit your travel plans!
  • Single Trip Plans: from one to 212 days out of province.
  • Non-Underwritten Plans: one to 15 days out of province.
  • Canada Plans: available only if you are travelling within Canada for the entire duration of your trip
  • Non-Medical Travel Plans: for coverage up to $20,000.
  • Multi-Trip Annual Plans: may be the ideal option if you travel out of province more than two times per year. Coverage available for trips of 9, 16, 22, 30 and 60 days.

Our licensed brokers assess your needs and can even combine multi-trip and single trip policies to ensure CARP members get the most coverage for the lowest price.

Learn more: please click to read “Rates” and “Policy” for additional plan details.

Coverage Options - yes, we’ve got you covered!
  • Six Health Categories: for applicants age 60 or over.
  • No Medical Questionnaire: for applicants age 59 or under.
  • Personal Underwriting: available when required.
  • Pre-Existing Exclusions: full details outlined in our policy.
  • Top-Up Coverage & Extensions: available when required.
  • Medical & Non-Medical Benefits: can include ambulance, physician fees, hospital accommodation, emergency transportation, trip cancellation, vehicle and pet return.

We offer easy qualification and simple applications with no medical exam required upon application. You can even answer your health questions over the phone.

Learn more: click to read “Policy” for additional coverage details and/or restrictions.

The Savings - in addition to pre-season savings!
  • Travel Companion: if you and your travel companion are insured with a Travel Choice 1 Emergency Medical Plan, each of your premiums will be reduced by 5%.
  • Go Green: get all documents (confirmation of insurance, policy, etc.) electronically to reduce your premium by 1%.
  • Deductible Options: for age 60 and over, an automatic $200 US deductible applies. Increase your deductible for savings of 5%, 10%, 30%, and even 45%.

Learn more: click to read “Rates” for additional savings and deductible options.

CARP Benefits - CARP membership has its perks!
  • Premium Savings: simply for being a CARP member, your premium will be reduced by 5%.
  • Trip Cancellation Coverage: CARP members purchasing multi-trip annual plans receive up to $1,000 per policy, per year for trip cancellation at no additional cost.
  • Take The Kids: coverage is included for two children age 15 or younger, travelling with parents/grandparents who are age 60 or older and insured with an annual plan.

Learn more: click to read “Rates” and “Policy” for additional benefits details.

Get started today. We offer simple applications, easy qualification, and until September 30, 2018... pre-season savings!

If you’re planning to travel in the next 12 months, the time to save with Travel Insurance for CARP Members is now, during our annual Pre-Season Savings Event. If plans change, there’s no penalty to switch your travel dates before departure. Information you would need to make an informed buying decision is posted on this page, including sample policies written in language you can understand. Obtain your no-obligation quote online, or call toll free to speak with one of our licensed travel insurance brokers today.

CALL TOLL-FREE 1.877.566.1417 for your no-obligation quote.    CLICK for an online quote in minutes.
Why Choose Travel Insurance for CARP Members?

Licensed Brokers

When you call the Travel Insurance for CARP Members toll-free telephone number, you are speaking with Licensed Insurance Brokers. Licensed brokers are qualified to provide advice on the insurance product that is best suited for you.

CARP-Trained Brokers

The licensed brokers at Travel Insurance for CARP Members understand the issues facing Canadians 50-plus today, and are committed to the same beliefs as CARP. They have been actively trained with the knowledge and appreciation for what the CARP organization stands for.


Our Travel Insurance for CARP Members program partner has had over 18 years of travel insurance experience as a brokerage. Combined, their key personnel have well over 60 years of travel insurance experience. Because their primary customers are Snowbirds, they understand what coverage is typically needed for a snowbird traveller. They may also recommend that you verify information with your doctor if you seem unsure of your conditions.


Our Travel Insurance for CARP Members brokers want you to be properly insured. They will work with you to help ensure that you understand all medical questions.

Individual Medical Insurance Customized For You

If appropriate, your Travel Insurance for CARP Members broker will suggest an individual medically underwritten policy for you. An individual medical underwriting policy is designed to individually assess your medical conditions; you are not being placed into pre-designated categories like other standard applications. It allows for tailoring the policy based on your own specific health situation. Further, the individual medical underwriting policy is designed to cover your pre-existing conditions without a stability period.

How you can get the most of your travel insurance:

  • Understand your medical conditions and treatment including medication.
  • Be willing to check with your doctor if you are not sure what your medical records state.
  • Be open and honest with your insurance broker about your conditions.
  • Review your insurance policy prior to departure, especially if your condition has changed since the time of purchase.
  • Consult your Travel Insurance for CARP Members broker for any questions you may have.
Out of Country Emergency Health Services

In Canada, provincial health insurance plans 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 find out what your province may or may not pay for, we’ve provided links for all provincial and territorial health insurance plan websites.

For full details on your province’s out-of-country services, plus “physical presence” details for snowbirds, Click Here.

If you plan to travel outside of Ontario, it is strongly recommended that you obtain additional private medical insurance and fully understand what your policy covers.

Ontario Ministry of Health and Long-Term Care
Make an Informed Decision

As CARP’s recommended insurance provider, we have a responsibility to help you make an informed buying decision. No matter which insurance product you require, or provider you choose, our best advice is to educate yourself before you buy. That’s why we offer information that will help you review programs “apples-to-apples”.

Travel Insurance
You can’t afford to buy travel insurance on price alone

Outside Canada, coverage provided by provincial health plans for hospital and medical expenses is 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. But 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 make an informed buying decision!

KNOW WHAT YOU’RE BUYING - Be 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.

And our best advice is to answer all application questions honestly. Otherwise the policy may be voided. If you’re unsure of what a question means, get advice from a doctor or licensed broker.

GREAT RESOURCE: Download the Consumer Guide on the Travel Health Insurance Association’s website:

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.

Program Partner: Manulife

Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.