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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


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!

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

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