Travel Insurance for CARP Members

If you’re ready to travel again, we’re here for your protection

On December 15, 2021, the Canadian Government reinstated its Level 3 Travel Advisory to avoid all non-essential travel to all international countries. As a result, we are experiencing extremely high call volumes.

We apologize for any longer than normal wait you may encounter as we take the time to answer your questions and ensure you’re properly protected. And we thank you for your patience.

Due to the government’s Level 3 Advisories, our Travel Choice 2 Single & Multi-Trip Emergency Medical Plans have exclusions currently in place for COVID-19 related expenses for out-of-country travel. If you’re planning to travel to a country with a Level 3 Advisory, please speak with our licensed specialists about options available for coverage for COVID-19 related expenses. Visit our COVID-19 Coverage page for details.

As CARP’s trusted provider, we urge you to stay vigilant. Check the COVID-19 status of the country you plan to visit and your destination, which can vary significantly from one country to another and within regions of the country.


New travel restrictions and testing requirements are in effect due to the COVID-19 Omicron variant of concern. Stay informed and stay safe.
  • IMPORTANT POLICY INFORMATION: If you purchased a Travel Choice 2 Single or Multi-Trip Emergency Medical Plan by the October 30, 2021 pre-season deadline, you have the option to change travel dates without penalty or cancel your policy and receive a full refund. Any policy changes, cancellations and refunds will only be permitted prior to your single-trip plan departure date or multi-trip plan policy effective date, even if that date falls within the 10-Day Free Look Period. Further, there can be no changes in your medical condition or stability from the date you purchased your policy. Otherwise, your policy may be cancelled and re-issued at the current rate at that time. Please refer to your policy for complete details.

Planning To Travel Inside Canada?


Government health insurance plans do NOT cover all of the medical expenses you may incur while travelling in Canada. The reciprocal agreement for services between the provinces and territories is only equal to the coverage provided in your home province or territory. And it differs across Canada.

Outside your home province, some plans will not cover prescription drugs, ambulances, specialists, emergency dental or x-rays. There are exclusions for all non-medical expenses, including travel expenses associated with trip interruption.

Travelling inside Canada without insurance is not as financially risky as venturing out-of-country without coverage, but your incurred costs could be substantial. Just an air ambulance back to your home province can cost you as much as $20,000.

To learn what may not be paid for outside your home province or territory, Click Here.


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 1.877.851.4514 and we’ll work to offer a coverage solution for your needs.