How To Get The Best Travel Medical Insurance Deals for Seniors?

There is so much about the world that many people will never get the chance to explore; mountains and beaches, beautiful geographic locations, new cultures, new cuisines and exposure to different ways of life. Regardless of your age, you should be allowed and encouraged to travel so that you can experience these new things.

Yet being careful is important. Especially if you're older, you need to make sure to get the right medical insurance in place before you leave. Traveling may be full of unknowns - whilst "anything happening" can mean great and exciting surprises, it can also mean accidents, illness or loss of your time/property. You need coverage because you don't want this to spoil your vacation or your life savings.

Luckily, there are plenty of insurers available. You need comprehensive coverage, especially if you have pre existing conditions.  You want a policy that is effective and will help you regardless of what troubles you may (but hopefully will not!) run into. You'll also want something that is affordable - there's nothing worse than paying for travel insurance that don’t cover certain things or you need to pay out-of-pocket.  

We specialize in offering Travel Insurance to Snowbird and Senior travellers often looking for affordable coverage at the best rates. Luckily, if you're reading this, you're in time for the early bird discounts and offers. Typically, between the month of July and September, is the best time to shop for snowbirds travel insurance.  Taking advantage of "Early Bird Specials" 

The reasons you should get insurance early is because you are getting the same coverage at a discount price compare to purchasing later on in the season. Every company plans a different Early Bird Sale, so you will want to call early to find out how the impending rate could benefit you. If you inquire early, we will do our very best to book your policy as late as possible before the rates go up. That way, you get the benefit of the early bird rates, while allowing you to pay as late as possible before the travel insurance rates goes back up. If you're not sure when you'll be travelling exactly, no problem!  

Lock in your quote based on your tentative dates you can always change them closer to your departure without penalty. This means that you'll achieve the best of both worlds - the prices of buying earlier in the season and the guarantee that you'll get coverage for the exact dates you need.

Happy Travelling,

The Optimal Team!

Early Bird Special for Senior Travellers!

Everyone that's been travelling for a few years and leaving Canada for more than 30 days knows about "Early Bird Specials"

This year, it's even more relevant with the value of the Canadian dollar versus the US.  Most insurance company has already raised their travel insurance rates for 2015.

But, hold off, they are a couple that didn't as of yet.  Good news for our early bird travellers!

If you will be travelling this year, it might be worth your while to find insurance coverage, as soon as possible.  With the early bird specials, you can save 5-20% in some cases.

You are not sure of the dates, you can purchase with tentative dates, and change later no problem.  No extra fees.

So, you have nothing to lose, but great savings.  Simple & Easy to get travel insurance quotes for seniors: click here

Happy Travelling,

From the Optimal Team!

Travelling with our Canadian Dollar value!

How will this effect our Canadian SnowBirds Travellers...?


The Canadian dollar ended this Tuesday, on August 4th at its lowest point since August 2004.  Our dollar closed more than half a cent from the previous session.

The loonie closed at 75.87 cents US, down .58 cent of a U.S. cent from Friday's close on July 31 2015.

Will this hold travellers back?  Probably!

I personally think that they will still travel, but maybe cut down on the number of days instead.  With our last winter, Canadian SnowBirds still remember how long it was and how cold.

What about the Travel Insurance, how does it get affected by the US dollar?  We buy it in Canadian dollar, so it shouldn't be affected?  We wish!  Because of travellers going to the US, the cost of the medical expenses are typically the same, but it's when we use Canadian dollars to pay this is were the value of our low dollar hurts us.

Most insurance companies have already increased their rates, but they are still a few that are very competitive, on top of offering "Early Bird Discounts".  We are talking 15 to 25% savings before they raise their rates.

Looking for a deal on travel insurance, don't wait!  Lock your rates now!  

Happy Travelling,

From the Optimal Team!

Travel Insurance more competitive Rates

Travel Insurance more competitive than ever

The good thing now is that Travel Insurances are more competitive. Since the number of travellers and the awareness of the need for travel insurance have increased dramatically, so has the coverage for pre-existing conditions. 

Insurance companies have customized their travel insurances to meet the needs of the clients. Some travel insurances even offer covers for critical illnesses. 

So be straightforward when inquiring about Travel Insurance with pre-existing conditions. Remember, it is your right to know! It is your right to be protected during your travels. 

Talk to an expert!

Happy Travelling...from #OptimalTravel !

Pre-Existing Medical Conditions

Most if not all insurances come with pre-existing conditions. This goes the same with travel insurances. It is common that when people see the word “pre-existing conditions”, they hesitate from getting a travel insurance. 

They would think that they won’t qualify or worst, they would even think that getting one is much more expensive than what they would spend during the travel or vacation. Moreover, reading the terms & condition or even just the pre-existing conditions can be confusing most of the time. And mostly would have themselves convinced that they understood every bit of it when in fact they don’t. They are just too proud or embarrassed to ask for explanation from the insurance agent.

The key to overcoming such doubts is to fully understand what the pre-existing conditions in any travel insurances are.  Basically, pre-existing conditions refer to any illness or medical condition that was identified and existed before agreeing to an insurance contract. Do not hesitate to ask as many details about these pre-existing conditions and where you fit in it. Ask how you can utilize the pre-existing conditions of the insurance to your benefit. 

Do not think that if you are honest about your medical conditions, you won’t be able to get a travel insurance or you will always have to pay more.

Happy Travelling...from #OptimalTravel !

Increasing Canadian SnowBirds Travellers

SnowBird Travellers more, and more in Canada!

The numbers of SnowBird Travellers are increasing every year. Mostly retirees, they want to spend their time in warmer areas, usually abroad, at an extended period. However, having to spend your vacation outside your country at a longer period is not always peaches and cream.

As a Snowbird, you have to be ready for any unexpected events. In the event of medical emergencies or accidents, being far away from your family and friends and at a place you are not entirely familiar with can be very difficult.

With all these in mind, Snowbird Travel Medical Insurances provides the security for those travellers who wish to enjoy a longer vacation. It is a way of preparing one’s self from unforeseen bumps along the way.  

Medical bills abroad can shoot up to thousands of dollars, so better save yourself from this kind of headache by availing snowbird travel insurance.

Of course, it would be prudent for any snowbird to not only look at the medical coverage of the insurance. Make sure it also covers your pre-existing conditions.

Happy travelling....#OptimalTravel @TripCoverage

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Travel Insurance for Canadian Travellers, Canadian Snowbirds & Visitors to Canada including Super Visa Insurance and Working Visa Insurance. 

** We specialize in Pre-existing conditions. 

Speak with an Expert at Optimal Travel!

Happy Travelling!!

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Many types of travel insurance coverage, but which one do you need!

What types of travel insurance do you need?

Well, It depends on a couple of things, such as your destination, the duration and how you will get there.   For example, if you plan on traveling by air, Trip cancellation & Interruption coverage could be a good idea.  You might need to rebook or buy new tickets due to illness or weather.  This protection will help you get back most expenditure that would be otherwise non-refundable.

Here are the Top 5:  Travel Insurance Coverage

1.    Trip cancellation/interruption

2.    Travel emergency medical

3.    Major medical

4.    Emergency medical evacuation

5.    Accidental death/flight accident

Either you are travelling in or out Canada, packages are available to suit all travellers, no matter where you are going and how long.   Did you know their are protections available for as low as 15$.

On the spot quotes for  cheap medical travel insurance  are available to make you travel insurance shopping quick and easy.  Check what are all your options and what offers you the best protection available you need.  Talk to a Travel Insurance Specialist.

Happy Travelling...from #OptimalTravel !

Discount for Travel Insurance?

Do you qualify for a discount? 

Buy early, and save!!!

There is a lot of provider that offers early bird discounts  on their policy, if they are purchase before a certain date!

We have providers that will offer up to 6% if you buy early.  So on a policy of 1200$, you can be talking as much as 72$.  This is not to shabby!  

For most, even if you need to change de dates of travel, from a few days they will accommodate and still honour the discount.

Always remember, Medical Travel Insurance coverage is a must, every time you travel!  Not worth the financial risk!

Happy Travelling...from  #OptimalTravel !

Really, shopping for Travel Insurance...?

Did you shop for your 

Travel Insurance Coverage this year?  

Yes, like we shop for household thinks, car, vacation, etc...; we should also shop for Travel Insurance.  

I am always astonish when we shop the market for clients, how broad is the range in quotes, especially for people over 60 years young.  This is mainly due because all company have different medical questions and underwriting process.  Meaning, if you have little health issues, most company have 2,3 and even 4 tiers in pricing.

So how to get the best insurance deal, well talk to a travel insurance broker.  You will be ask basic health questions, from there they will shop the market without being bias in there recommendation.  They will bring options to work with to get you the best coverage.

Here is another great example in Travel Insurance Quote:
We did 4 quotes* for a Lady age 72 with some heart problems, leaving for Florida for almost 6 months:

•  Quotes came in at 4416$, 3460, 2466$ & 2152$.

We recommended TourMed @ 2466$.  To be fully covered from any preexisting medical issues, including Heart.

Did you shop your Travel Insurance..get your free instant quote!

Happy Travelling...from  #OptimalTravel !

(* Quoted with: Blue Cross Travel, TourMed, GMS & TIC)

Broken record, after 32 years!

Scary, but all covered!

How expensive is medical care in the US for travellers?  Numbers are scary.  Especially when we know I much it could cost.  Maybe we don't know....?  

Well record has to be broken for one of our client at  Optimal Travel

We just had a client, in winter 2013, that has been going to Florida for over 32 years.  Never had an issue, never visited a doctor neither an hospital will travelling, until now.  

After an overnight, with just a few basic test, to then be release in the morning.  They couldn't find anything, it might of just been fatigue and sun, said the doctor.

All that for a low cost of over 34 000$ US.  Yes, you read it right!

Thanks to their Optimal Coverage the cost to the client was ZERO, but it was a scary ordeal for the clients, they were 72 & 76.  They heard how expensive it was in the US but they couldn't believe the cost. 

Now they fully get why they have been purchasing Travel Insurance for the last 32 years.

Happy Travelling...from  #OptimalTravel !