5 Tips To Save On Travel Medical Insurance For Seniors This Year

Traveling is a dream for many seniors in Calgary, whether it’s escaping the Alberta winter as a snowbird or welcoming family members from overseas via a Super Visa. However, the cost of travel medical insurance can often feel like a significant hurdle.

As we move through 2026, healthcare costs and insurance premiums are evolving. At Punjab Insurance, we believe that age should never be a barrier to adventure or family reunions. To help you protect your health and your wallet, we’ve compiled five essential tips to save on travel medical insurance for seniors this year, with a specific focus on the unique needs of our Calgary community.

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1. Optimize Your Deductibles
One of the most effective ways to lower your premium for travel medical insurance for seniors is by adjusting your deductible. A deductible is the amount you agree to pay out-of-pocket before your insurance coverage kicks in.

In the Calgary market, many insurers offer flexible deductible tiers ranging from $250 to $5,000. By choosing a higher deductible, you can significantly reduce your upfront monthly or annual premium.

Pro Tip: Only choose a deductible amount that you are comfortable paying in the event of an emergency. For many Calgary seniors, a “disappearing deductible” option is also worth exploring, which can further reduce costs over time if no claims are made.
2. Leverage “Multi-Trip” Annual Plans
If you are a frequent traveler — perhaps flying from Calgary International (YYC) to Arizona, Mexico, or back to India multiple times a year — purchasing individual policies for every trip is the most expensive route.

Instead, look for Multi-Trip Annual Plans. These plans cover an unlimited number of trips within a 365-day period, provided each trip stays within a specific day limit (e.g., 15, 30, or 60 days).

The Savings: For seniors, an annual plan can often cost the same as two separate single-trip policies, meaning your third and fourth trips of the year are essentially “free” from an insurance perspective.
3. Understand the “Stability Period” for Pre-existing Conditions
For many seniors, medical insurance for visitors to Canada or outbound travel insurance is influenced by pre-existing conditions like hypertension or diabetes. Insurers use a “stability period” (usually 90 to 180 days) to determine if a condition is covered.

To save money:

Review before you book: If you’ve recently had a change in medication or a new diagnosis, wait until your condition has been “stable” for the required period before applying.
Avoid “unstable” surcharges: Buying insurance when your health is in a stable window prevents high-risk surcharges that can double your premium.
4. Tailor Your Super Visa Insurance Correcty
If you are a Calgary resident hosting parents or grandparents, medical insurance for super visa is a mandatory requirement. The IRCC requires a minimum of $100,000 in coverage from a Canadian insurance provider.

 
To save on Super Visa insurance:

Partial Refunds: Ensure your policy allows for partial refunds. If your parents return to their home country earlier than one year, companies like Punjab Insurance can help you get a pro-rated refund for the unused months, provided no claims were filed.
Monthly Payment Plans: Rather than paying thousands of dollars upfront, look for providers that offer monthly installment options. This keeps your cash flow steady while meeting the legal visa requirements.
5. Shop Local with a Calgary Broker
The “big bank” insurance policies often come with “one-size-fits-all” pricing that doesn’t favor the senior demographic. Working with a specialized broker in the Calgary region allows you to access niche providers that cater specifically to the South Asian community and seniors.

At Punjab Insurance, we compare quotes from top Canadian insurers like Manulife, GMS, and TuGo to find the lowest rates for:

Visitors to Calgary.
Snowbirds heading south.
New immigrants and Super Visa holders.
Why Calgary Seniors Choose Punjab Insurance
Calgary’s unique climate and the high number of multi-generational households make the need for reliable medical insurance for visitors to Canada a priority. We understand the specific concerns of our local community — from ensuring your visiting parents can access the best care at the Foothills Medical Centre or Rockyview General Hospital, to protecting your own health while exploring the world.

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Final Thoughts
Saving on travel insurance isn’t about finding the “cheapest” policy — it’s about finding the best value. By adjusting your deductibles, choosing annual plans, and working with a local broker who understands the Calgary landscape, you can save hundreds of dollars this year.

Ready to see how much you can save?

Contact our Calgary office today for a free, no-obligation quote tailored to your specific travel needs. Whether it’s for a Super Visa application or your next winter escape, Punjab Insurance is here to protect your journey.