Travel Insurance for CARP Members
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The proper coverage, for all types of 50-plus travellers.

Frequent travellers, occasional travellers and especially snowbirds... choosing the right travel insurance protection is one of the most important decisions you’ll ever make. Outside Canada, coverage from your provincial health plan is limited. Your costs from a medical emergency can be financially crippling. CARP members: we’ve got you covered.

When you call our toll-free telephone number, you’ll speak with a licensed insurance broker who is qualified to assist with your medical declaration and provide advice on the insurance product best suited for you, based on your health and travel plans. As CARP’s recommended and trusted provider since 1993, your protection is our priority.

Our Plans Fit Your Travel Plans
  • Single Trip: from 1 to 212 days out of province.
  • Multi-Trip Annual: for trips of 9, 16, 22, 30 and 60 days, travelling two or more times per year.
  • In-Canada: available only if travelling in Canada for the entire duration of your trip.
  • Non-Underwritten: 1 to 15 days out of province.
  • Non-Medical: all-inclusive medical plan add on.

We’ll even combine multi-trip and single trip policies to ensure the most coverage for the lowest price.

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For complete plan details, click to read Rate Card and Sample Policy Wordings.

Yes, We’ve Got You Covered!
  • Six Health Categories: for applicants 60 or over.
  • No Medical Questionnaire: for age 59 or under.
  • Personal Underwriting: available when required.
  • Pre-Existing Conditions: details in our policy.
  • Medical & Non-Medical Benefits: may include doctor fees, hospital accommodation, emergency transport, trip cancellation, pet return and more.

There’s no medical exam required upon application. You can answer health questions over the phone!

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MORE:
Click to read Sample Policy Wordings for coverage details and/or restrictions.

Your Protection Is Our Priority

You’ll be protected with 24/7 worldwide emergency assistance and up to a $10 million dollar policy limit.

Dedicated case managers answer your assistance calls and ensure appropriate care is being received, while medical staff interact directly with doctors at the hospitals our policyholders are attending.

Medical concierge services provided by StandbyMD: telephone access to a qualified physician anywhere you travel, with additional services offered in the US.

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For more on assistance and StandbyMD, click to read Sample Policy Wordings.

CARP Membership Has Its Perks
  • Premium Savings: simply for being a member of CARP, your premium will be reduced by 5%.
  • Trip Cancellation Coverage: members buying multi-trip annual plans get up to $1,000 per year, per policy for trip cancellation at no extra cost.

And if you’re taking the kids, coverage is included at no additional cost for two children age 15 or younger, travelling with their parents / grandparents who are age 60 or older and insured with our annual plan.

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MORE:
For more member benefits*, click to read Rate Card and Sample Policy Wordings.

Snowbirds... buy the plan that CARP members trust.

50-plus travellers know, proper insurance coverage makes a world of difference! That’s why instead of gambling with an off-the-shelf product, experienced travellers trust the only travel insurance provider to be recommended by CARP for more than 24 years.

This page contains the details you’ll need to make an informed buying decision; our rates, applications, policy wordings, and exclusive member benefits.

Experience Snowbirds Can Count On

Our licensed brokers are qualified to provide advice on the insurance product that is best suited for you.

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

Savings For Snowbirds - OK, Everyone

Along with 5% premium savings for CARP members:

  • Companion: if you and your travel companion are both insured with our Emergency Medical Plan, each of your premiums will be reduced by 5%.
  • Go Green: receive all your documents (policy, etc.) electronically to reduce your premium by 1%.
  • Deductible Options: for age 60-plus, a $200 US automatic deductible applies. If you increase your deductible, you can save 5%, 10%, 30%, or 45%.
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!

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.