Answer these questions accurately when filling out your travel insurance form. Incorrect or incomplete answers are the #1 reason senior claims get denied.
Print Your Checklist (Click Here)
Gather All Medical Information First
Check Off Each Item with a Pencil
Be Thorough and Honest (Especially Critical for Seniors)
Keep for Your Records
Critical for Seniors 65+: Medical history disclosure is MORE strictly scrutinized for seniors. Insurance companies are especially vigilant about pre-existing conditions and age-related health issues.
What is your exact date of birth?
Why it matters: Age-based premiums increase significantly for seniors. Incorrect age can void your policy.
Double-check: Match passport exactly • Enter correct day/month/year format • Verify age bracket (65-69, 70-74, 75+)
What is your province of residence and health coverage status?
Why it matters: Valid provincial health coverage is MANDATORY. Lapsed coverage = NO travel insurance coverage.
Include: Province • Valid health card number • Verify card not expired • Confirm 6+ months residency
What are your exact travel dates?
Why it matters: Most senior policies have trip duration limits (30, 60, or 90 days). Exceeding limits = no coverage.
Include: Departure date from Canada • Return date • Total trip length • Add buffer days for delays
⚠️ MOST CRITICAL FOR SENIORS 65+ - Zero Tolerance Policy!
Do you have ANY pre-existing medical conditions?
Why it matters: Seniors face STRICT scrutiny. One omission = automatic denial of ALL claims, not just related ones.
YOU MUST DISCLOSE (Common in 65+ age group):
⚠️ "Managed" or "Controlled" conditions MUST still be disclosed!
What medications are you currently taking?
Why it matters: Medication = condition. Taking blood pressure meds while claiming no heart issues = fraud and claim denial.
List EVERY prescription: Drug name • Dosage • Condition treated • Start date • Recent changes
Have you had ANY medical treatment in the last 12 months?
Why it matters: Seniors must disclose 12 months of history (not just 6). Recent treatment = higher risk assessment.
Include: Hospital stays • ER visits • Specialist appointments • New diagnoses • Tests • Medication changes
When did you make your first trip payment/deposit?
Why it matters: Most policies must be purchased within 7-14 days of first deposit for pre-existing condition coverage.
Provide exact date: First booking • Initial deposit • Verify within time window
Cancel For Any Reason (CFAR) Coverage
Recommended for seniors: CFAR provides flexibility to cancel for reasons not covered by standard policies.
When CFAR Makes Sense for Canadian Seniors:
CFAR Requirements:
💰 CFAR adds 40-60% to premium cost but provides peace of mind for seniors with health concerns.
Will you participate in any activities?
Why it matters: Even moderate activities carry higher risk for seniors. Must disclose ALL planned activities.
Senior activities requiring disclosure:
Do you have any mobility issues or use assistive devices?
Why it matters: Fall risk assessment. Injuries from falls are common senior claims that require disclosure.
Disclose: Cane • Walker • Wheelchair • Balance issues • Recent falls • Joint replacements
Who is your emergency contact in Canada?
Why it matters: Critical for seniors. Must reach someone immediately if you're incapacitated.
Provide: Full name • Relationship • Multiple phone numbers • Email • Canadian address
Who is your beneficiary for life insurance benefits?
Why it matters: Essential for seniors. Benefits must go to correct person with legal name.
Provide: Full legal name • Date of birth • Relationship • Percentage • Contingent beneficiary
Insurance companies scrutinize senior claims MORE carefully. They have access to all Canadian medical databases and WILL verify every answer.
Common reasons SENIOR claims are DENIED:
For seniors: DISCLOSE EVERYTHING. Better to pay higher premiums than face a $100,000+ denied claim.
This checklist is provided for informational purposes only and does not constitute legal, medical, or insurance advice. GlobalTravel.tips is not responsible for denied claims or coverage gaps resulting from the use of this checklist.