Credit Cards with Travel Medical Insurance for 65+ Years Old
A Pointshogger reader reached out to us and mentioned that it has been over 3 years since we last provided an update our post for travel insurance for people 65 years and older. So I think that it was appropriate to provide an update. It is not easy to find an insurance company that offers travel insurance to people over the age of 65. Even if you do find a company, chances are it is fairly expensive. So having the insurance coverage with credit cards is a nice benefit to have.
List of Credit Cards
Below is a list of Canadian credit cards that offer some form of travel coverage for those who are over 65. You will notice that most credit cards that do offer some sort of coverage generally charge an annual fee. But you may find some hidden gems who do not have an annual fee.
| Credit Card | Medical Coverage | Annual Fee |
Coverage |
| CIBC Aerogold Visa Infinite Card | $5,000,000 | $120 | Age 65+: 3 days |
| CIBC Aerogold Visa Inifinite Privilege | $5,000,000 | $399 | Age 65+: 10 days |
| CIBC Aventura Visa Infinite Card | $5,000,000 | $120 | Age 65+: 3 days |
| Desjardins Odyssey World Elite MasterCard | $5,000,000 | $130 | Age 65 to 75: 15 days
Age 76 or over: contact Desjardins |
| National Bank World Elite MasterCard | $5,000,000 | $150 | Age 65 to 74: 15 days |
| RBC British Airways Visa Infinite | $500,000 | $165 | Age 65+: 7 days |
| RBC Visa Infinite Avion | $500,000 | $120 | Age 65+: 3 days |
| RBC Visa Infinite Privilege | $500,000 | $399 | Age 65+: 7 days |
| RBC WestJet World Elite MasterCard | $500,000 | $119 | Age 65+: 3 days |
| Rogers World Elite MasterCard | $1,000,000 | $0 | Age 65-75: 3 days |
| Scotiabank American Express | $1,000,000 | $0 | Age 65+: 3 days |
| Scotiabank Passport Visa Infinite | $1,000,000 | $139 | Age 65+: 10 days |
| Scotiabank Gold American Express | $1,000,000 | $99 | Age 65+: 10 days |
| Scotiabank Platinum American Express | $2,000,000 | $399 | Age 65+: 10 days |
| TD Aeroplan Visa Infinite Card | $1,000,000 | $120 | Age 65+: 4 days |
| TD Aeroplan Visa Infinite Privilege | $5,000,000 | $399 | Age 65+: 4 days |
| TD Business Travel Visa Card | $2,000,000 | $149 | Age 65+: 4 days |
| TD First Class Travel Visa Infinite | $1,000,000 | $120 | Age 65+: 4 days |
Grandfathered and Other Cards
Some grandfathered cards such as the following, still offer coverage for cardholders over 65 years old:
- Capital One Aspire Travel World Elite MasterCard – $500,000 / 8 days
- CIBC Aventura World Elite MasterCard – $5,000,000 / 3 days
- CIBC Aventura World MasterCard – $5,000,000 / 3 days
Other cards allow you to pay an additional premium to obtain travel insurance coverage, such as:
- BMO World Elite MasterCard
I would love to ensure that this list is as complete as possible, so if we missed any cards, please let us know in the comment section below!
Very nice list. As I live in the US, any idea if there are any similar cards here or if anyone has compiled a US based list? Thanks.
Good question, the rules might be a little different in the US, which is why it might not be as easy to find a post regarding this topic.
I believe I am correct in saying the travel covered has to originate in your home country, so difficult to piggy back with other coverage
Definitely need to read the fine print.
Here are a few additional credit cards which provide travel medical insurance for those 65+ Years Old.
Desjardins Cash Back World Mastercard provides 5M Medical Coverage for 3 days if aged under 75. $50 AF
Desjardins Cash Back Mastercard provides 5M Medical Coverage for 3 days if aged under 75. $0 AF.
National Bank World MasterCard provides 5M Medical Coverage for 15 days if aged 65-74. $115 AF. The World MasterCard has the same insurance package as the World Elite MasterCard.
National Bank Platinum MasterCard provides 5M Medical Coverage for 10 days if aged under 75. $89 AF.
Scotiabank Platinum American Express Card 1M Medical Coverage for 10 days if aged 65+. $399 AF.
TD Cash Back Visa Infinite provides 2M Medical Coverage for 4 days if aged 65+. $120 AF.
Meridian Visa Infinite Cash Back Card provides 5M Medical Coverage for 15 days if aged 65-74. $99 AF.
Meridian Visa Infinite Travel Rewards Card provides 5M Medical Coverage for 15 days if aged 65-74. $99 AF.
Thanks JB!