Travel insurance serves as an essential but often underestimated revenue stream for travel advisors. Beyond its financial benefits, offering the right coverage can save both clients and advisors significant stress in unexpected situations, such as medical emergencies abroad. Ensuring that clients have the appropriate coverage not only enhances their travel experience but also protects advisors from potential disputes or dissatisfaction.
However, one of the most frequent objections from travelers is their belief that they already have sufficient travel insurance through their credit cards. While this assumption is common, it can be particularly risky—especially for seniors, who are often more vulnerable to health issues during trips. Credit card travel insurance may come with exclusions, limited coverage, or age restrictions that leave clients underprotected.
To help navigate these complexities, we’ve compiled a full list of Canadian credit cards and associated travel medical insurance details for seniors. Travel Advisors can use this list to quickly cross-check available travel insurance coverage for seniors while interacting with their senior customers.
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
The following is a list of banks with credit cards that include travel medical insurance details for seniors:
The following is a list of banks with credit cards that include travel medical insurance details for seniors:
- Access Credit Union
- Alterna Savings Credit Union
- American Express (AmEx)
- Assiniboine Credit Union
- ATB Financial
- BMO
- Canadian Tire
- Capital One
- CIBC
- Coast Capital
- Desjardins
- Home Depot
- Home Trust
- Manulife Bank
- MBNA
- Meridian Credit Union
- National Bank
- Neo Financial
- President’s Choice
- RBC
- Rogers
- Scotiabank
- Servus Credit Union
- Simplii
- Tangerine
- TD
- Vancity
- Walmart
- WFCU Credit Union
Access Credit Union credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Access Credit Union World Mastercard* |
59 |
31 days if are 60 to 64 years old
10 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
Access Credit Union Cash Back World Elite Mastercard |
65 |
No coverage if you are 65 or older |
|
Access Credit Union Cash Back Mastercard |
No travel medical coverage at all |
- |
|
Access Credit Union Centra Gold Mastercard |
||
|
Access Credit Union Classic Mastercard |
||
|
Access Credit Union U.S. Dollar Visa Card |
*Exact coverage: 60 days (age 59 and below), 31 days (age 60-64), 10 days (age 65-75), no coverage if you are 76 or older
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Alterna Savings Credit Union credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Alterna Savings Visa Infinite Card* |
59 |
31 days if are 60 to 64 years old
10 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
Alterna Savings Cash Back Visa Infinite Card |
65 |
No coverage if you are 65 or older |
|
Alterna Savings Cash Back Visa Card |
No travel medical coverage at all |
- |
|
Alterna Savings Visa Classic Card |
||
|
Alterna Savings Centra Visa Gold Card |
||
|
Alterna Savings U.S. Dollar Visa Card |
*Exact coverage: 60 days (age 59 and below), 31 days (age 60-64), 10 days (age 65-75), no coverage if you are 76 or older
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
American Express (AmEx) credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
American Express Aeroplan Reserve Card |
65 |
No coverage if you are 65 or older |
|
American Express Gold Rewards Card |
||
|
American Express Platinum Card |
||
|
SimplyCash Preferred Card from American Express |
||
|
American Express Aeroplan Card |
No travel medical coverage at all |
- |
|
American Express Cobalt Card |
||
|
American Express Essential Credit Card |
||
|
American Express Green Card |
||
|
Marriott Bonvoy American Express Card |
||
|
SimplyCash Card from American Express |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Assiniboine Credit Union credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Assiniboine Visa Infinite Card |
59 |
31 days if are 60 to 64 years old
10 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
Assiniboine Travel Rewards Visa Card |
||
|
Assiniboine Cash Back Visa Infinite Card |
65 |
No coverage if you are 65 or older |
|
Assiniboine Visa Classic Card |
No travel medical coverage at all |
- |
|
Assiniboine Cash Back Visa Card |
||
|
Assiniboine Centra Gold Visa Card |
||
|
Assiniboine U.S. Dollar Visa Card |
*Exact coverage: 60 days (age 59 and below), 31 days (age 60-64), 10 days (age 65-75), no coverage if you are 76 or older
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
ATB Financial credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
ATB World Elite Mastercard |
65 |
No coverage if you are 65 or older |
|
ATB Gold Cash Rewards Mastercard |
No travel medical coverage at all |
- |
|
ATB Gold My Rewards Travel Mastercard |
||
|
ATB Preferred Fixed-Rate Mastercard |
||
|
ATB Preferred Variable-Rate Mastercard |
||
|
ATB Alberta Mastercard |
||
|
ATB Alberta Mastercard - Secured |
||
|
ATB US Dollar Mastercard |
||
|
ATB Load & Go Prepaid Mastercard |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
BMO credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
BMO eclipse Visa Infinite Privilege Card |
65 |
3 days coverage |
|
BMO CashBack World Elite MasterCard |
65 |
No coverage if you are 65 or older |
|
BMO AIR MILES World Elite MasterCard |
||
|
BMO eclipse Visa Infinite Card |
||
|
BMO Ascend World Elite Mastercard |
||
|
BMO AIR MILES MasterCard |
No travel medical coverage at all |
-
|
|
BMO CashBack MasterCard |
||
|
BMO Preferred Rate MasterCard |
||
|
BMO Prepaid MasterCard |
||
|
BMO U.S. Dollar MasterCard |
||
|
Students – BMO CashBack Mastercard |
||
|
Students – BMO AIR MILES Mastercard |
||
|
BMO eclipse rise Visa Card |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Canadian Tire credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Triangle Mastercard |
No travel medical coverage at all |
- |
|
Triangle World Elite Mastercard |
Capital One credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Capital One Guaranteed MASTERCARD |
No travel medical coverage at all |
- |
|
Capital One Guaranteed Secured MASTERCARD |
||
|
Capital One Aspire Cash Platinum MASTERCARD |
||
|
Capital One Aspire Travel Platinum MASTERCARD |
||
|
Capital One Smart Rewards Mastercard |
CIBC credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
CIBC Aventura VISA Infinite Privilege Card |
65 |
10 days coverage |
|
CIBC Aeroplan Visa Infinite Privilege Card |
||
|
CIBC Aventura VISA Infinite Card |
65 |
3 days coverage |
|
CIBC Aeroplan Visa Infinite Card |
||
|
CIBC Aventura Gold VISA Card |
65 |
No coverage if you are 65 or older |
|
CIBC Dividend VISA Infinite Card |
||
|
CIBC Aventura Visa Card for Students |
No travel medical coverage at all |
- |
|
CIBC Aventura Visa Card |
||
|
CIBC U.S. Dollar Aventura Gold Visa Card |
||
|
CIBC Costco Mastercard |
||
|
CIBC Aeroplan Visa Card |
||
|
CIBC Aeroplan Visa Card for Students |
||
|
CIBC Classic VISA Card |
||
|
CIBC Classic VISA Card for Students |
||
|
CIBC Dividend VISA Card |
||
|
CIBC Dividend Visa Card for Students |
||
|
CIBC Dividend Platinum Visa Card |
||
|
CIBC Select Visa Card |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Coast Capital credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Coast Capital Savings World Mastercard |
59 |
31 days if are 60 to 64 years old
10 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
Coast Capital Savings Cash Back World Elite Mastercard |
65 |
No coverage if you are 65 or older |
|
Coast Capital Savings Cash Back Mastercard |
No travel medical coverage at all |
- |
|
Coast Capital Savings Centra Gold Mastercard |
||
|
Coast Capital Savings Classic Mastercard |
||
|
Coast Capital Savings U.S. Dollar Visa Card |
*Exact coverage: 60 days (age 59 and below), 31 days (age 60-64), 10 days (age 65-75), no coverage if you are 76 or older
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Desjardins credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Desjardins Odyssey Visa Infinite Privilege* |
59
|
31 days if are 60 to 64 years old
15 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
Odyssey World Elite Mastercard* |
||
|
Desjardins Odyssey Gold Visa* |
||
|
Desjardins Bonus Visa |
76
|
No coverage if you are 76 or older |
|
Desjardins Cash Back Mastercard |
||
|
Desjardins Cash Back Visa |
||
|
Desjardins Cash Back World Elite Mastercard |
||
|
Desjardins Flexi Visa |
*Exact coverage: 60 days (age 59 and below), 31 days (age 60-64), 15 days (age 65-75), no coverage if you are 76 or older
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Home Depot credit card: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Home Depot Consumer Credit Card |
No travel medical coverage at all |
- |
Home Trust credit card: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
HomeTrust Secured Visa |
No travel medical coverage at all |
- |
|
Home Trust Equityline Visa |
||
|
Home Trust Preferred Visa |
Manulife Bank credit card: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
ManulifeMONEY+ Visa Infinite |
65 |
7 days coverage |
|
ManulifeMONEY+ Visa Platinum |
No travel medical coverage at all |
- |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
MBNA credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
MBNA Rewards World Elite Mastercard |
65 |
No coverage if you are 65 or older |
|
Amazon.ca Rewards Mastercard |
No travel medical coverage at all |
- |
|
MBNA True Line Mastercard |
||
|
MBNA True Line Gold Mastercard |
||
|
MBNA Smart Cash Platinum Plus MASTERCARD |
||
|
MBNA Rewards Platinum Plus Mastercard |
||
|
MBNA Smart Cash World Mastercard |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Meridian Credit Union credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Meridian Visa Infinite Cash Back Card |
59 |
23 days if are 60 to 64 years old
15 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
Meridian Visa Cash Back Card |
No travel medical coverage at all
|
- |
|
Meridian Visa Platinum Cash Back Card |
||
|
Meridian Visa Platinum Travel Rewards Card |
||
|
Meridian Visa Infinite Travel Rewards Card |
||
|
Meridian Visa US Dollar Card |
*Exact coverage: 48 days (age 59 and below), 23 days (age 60-64), 15 days (age 65-75), no coverage if you are 76 or older
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
National Bank credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
National Bank World Mastercard |
55 |
31 days if are 55 to 64 years old
15 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
National Bank World Elite Mastercard |
||
|
National Bank Platinum Mastercard |
76 |
No coverage if you are 76 or older |
|
National Bank Allure MASTERCARD Credit Card |
No travel medical coverage at all
|
- |
|
National Bank ECHO Cashback Mastercard |
||
|
National Bank mycredit Mastercard |
||
|
National Bank MC1 MASTERCARD Credit Card |
||
|
National Bank Syncro MASTERCARD Credit Card |
*Exact coverage: 60 days (age 54 and below), 31 days (age 55-64), 15 days (age 65-75), no coverage if you are 76 or older
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Neo Financial credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Neo Mastercard |
No travel medical coverage at all |
- |
|
Hudson's Bay Mastercard |
President’s Choice credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
PC Financial Insiders World Elite Mastercard |
65 |
No coverage if you are 65 or older |
|
PC Financial MasterCard |
No travel medical coverage at all |
- |
RBC credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
RBC Avion Visa Infinite Privilege |
65 |
7 days coverage |
|
RBC British Airways VISA Infinite |
||
|
RBC VISA Infinite Avion |
65 |
3 days coverage |
|
WestJet RBC World Elite MasterCard |
||
|
RBC VISA Platinum Avion |
No travel medical coverage at all |
- |
|
RBC Cash Back MasterCard |
||
|
RBC Cash Back Preferred World Elite Mastercard |
||
|
RBC ION Visa |
||
|
RBC ION+ Visa |
||
|
RBC moi Visa |
||
|
RBC RateAdvantage Visa |
||
|
RBC U.S. Dollar Visa Gold |
||
|
RBC Visa Classic Low Rate Option |
||
|
RBC Visa Platinum |
||
|
RBC WestJet MASTERCARD |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Rogers credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Rogers Red World Elite Mastercard |
65 |
3 days if are 65 to 74 years old
No coverage if you are 75 or older |
|
Rogers Red Mastercard |
No travel medical coverage at all |
- |
Scotiabank credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Scotiabank American Express Platinum Card |
65 |
10 days coverage |
|
Scotiabank Gold American Express Card |
65 |
3 days coverage |
|
Scotiabank Passport Visa Infinite Card |
||
|
Scotia Momentum VISA Infinite Card |
65 |
No coverage if you are 65 or older |
|
Scotiabank American Express Card |
No travel medical coverage at all |
- |
|
Scotia Momentum Mastercard Credit Card |
||
|
Scotia Momentum VISA card |
||
|
Scotiabank U.S. Dollar VISA card |
||
|
Scotiabank Value VISA card |
||
|
Scotia Momentum No-Fee VISA |
||
|
SCENE VISA card |
||
|
SCENE Visa Card -for Students |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Servus Credit Union credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Servus World Elite Mastercard |
75 |
No coverage if you are 75 or older |
|
Servus Gold Mastercard |
||
|
Servus Low Rate Mastercard |
No travel medical coverage at all |
- |
|
Servus No Fee Mastercard |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Simplii Financial credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Simplii Financial Cash Back Visa Card |
No travel medical coverage at all |
- |
Tangerine credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Tangerine Money-Back Credit Card |
No travel medical coverage at all |
- |
|
Tangerine World Mastercard |
TD credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
TD Aeroplan Visa Infinite Privilege Card |
65 |
4 days coverage |
|
TD Aeroplan Visa Infinite Card |
||
|
TD First Class Travel Visa Infinite Card |
||
|
TD Cash Back Visa Infinite Card |
||
|
TD Aeroplan Visa Platinum Card |
No travel medical coverage at all |
- |
|
TD Rewards Visa Card |
||
|
TD Platinum Travel Visa Card |
||
|
TD Cash Back Visa Card |
||
|
TD U.S. Dollar Visa Card |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Vancity credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Vancity enviro Visa Infinite Privilege card with rewards |
65 |
3 days coverage |
|
Vancity enviro Gold VISA with low interest rate |
No travel medical coverage at all |
- |
|
Vancity enviro Visa Infinite card with rewards |
||
|
Vancity enviro Gold Visa card Low Interest Rate plus Vancity Rewards |
||
|
Vancity enviro Gold VISA with rewards |
||
|
Vancity enviro Classic VISA with low interest rate |
||
|
Vancity enviro Classic VISA with low interest rate and rewards |
||
|
Vancity enviro Classic VISA with rewards |
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
Walmart credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
Walmart Rewards Mastercard |
No travel medical coverage at all |
- |
|
Walmart Rewards World Mastercard |
WFCU Credit Union credit cards: Travel Medical Insurance for Seniors:
|
Credit Card |
Age cut-off (i.e. from what age you are considered to be senior) |
Number of days covered if you are a senior |
|
WFCU Visa Infinite Card* |
59 |
31 days if are 60 to 64 years old
10 days if are 65 to 75 years old
No coverage if you are 76 or older |
|
WFCU Cash Back Visa Infinite Card |
65 |
No coverage if you are 65 or older |
|
WFCU Visa Classic Card |
No travel medical coverage at all |
- |
|
WFCU Cash Back Visa Card |
||
|
WFCU Centra Gold Visa Card |
||
|
WFCU U.S. Dollar Visa Card |
*Exact coverage: 60 days (age 59 and below), 31 days (age 60-64), 10 days (age 65-75), no coverage if you are 76 or older.
Please note that the information in this table pertains only to travel medical insurance for seniors. To find details about travel insurance coverage for all age groups and explore other travel insurance features associated with this financial institution’s cards, please use our Credit Card Navigator tool.
It’s important to note that this list reflects a snapshot in time, as credit card features are continuously updated. For the most current details about travel insurance across 10 types of coverage—including travel medical insurance, trip cancellation, and trip interruption—travel advisors can use our tool, which has been trusted by hundreds of organizations across Canada.
You can register for the tool here, which includes a free one-month subscription to help you familiarize yourself with its features. Join hundreds of travel organizations and insurance advisors already using our tool to boost their travel insurance sales.
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