Working hard in the background...
6 Top Canadian Credit Cards for Seniors and Travel Insurance
Published Nov 20, 2025 6:00 PM • 7 min read
Fact Checked
Written By
Lead Writer
Edited By
Editor
Reviewed By
Credit Card ExpertSometimes, the best time to travel is after retirement. But with tons of credit cards with coverage restrictions for those over 65, packing up with peace of mind can be tricky. The key is to find a travel-friendly credit card that features emergency medical over 65 insurance, a category that covers incidents like hospital and medical expenses, emergency dental expenses, and other unexpected out-of-pocket expenses incurred on a trip.
In this post, we’ve rallied up the top Canadian credit cards for seniors and travel insurance, so, basically, the best credit cards for emergency medical over 65 insurance.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Scotiabank Passport® Visa Infinite* Card: Best Overall for seniors
Scotiabank Gold American Express® Card: Best travel card for seniors
Rogers Red World Elite® Mastercard®: Best for Rogers, Shaw, or Fido Customers
TD® Aeroplan® Visa Infinite Privilege* Credit Card: Best Aeroplan card for seniors
CIBC Aventura® Visa Infinite Privilege* Card: Best for premium travel
RBC Avion Visa Infinite Privilege: Alternative for premium travel
Our choice for: Best Overall for seniors
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 45,000 Scene+ points ($450 value)
Annual Fee
$150
Interest Rates
20.99% / 22.99%
The Scotiabank Passport Visa Infinite is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.
Pros
- High Rewards on Select Purchases: Earn up to 3 points per $1 spent on select categories.
- No Foreign Transaction Fees: Shop abroad without additional charges.
- Comprehensive Insurance: Includes 11 types of insurance coverage.
- Airport Lounge Access: Enjoy up to 6 airport lounge passes per year through the Visa Airport Companion program.
Cons
- High Income Requirements: Requires $60,000 personal or $100,000 household income.
- Lower Overall Rewards: Rewards potential is lower compared to premium credit cards.
- High Annual Fee: Comes with a significant annual fee.
- Average Insurance Coverage: Insurance benefits are standard, not exceptional.
- Mediocre Earnings Potential: The card’s rewards structure might not offer the highest returns for every spender.
Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and moreScotiabank Passport Visa Infinite Review: Benefits & Lounge Access†
- Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options(including rideshares, buses, subways taxis and more)†
- Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†
Insurance
Coverage
Travel Medical Insurance
$2M/insured up to 25 daysTravel Medical Insurance (65+)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1000Baggage Delay
$1000
Common Carrier Travel Accident Insurance
$500,000/insured, $1M combined.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits.svg)
Status lift
Avis® Preferred Plus membership.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
**†Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Our choice for: Best travel card for seniors
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 50,000 Scene+ points ($500 value)
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fee saves you 2.5% on all non-CAD purchases.
- Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
- Comprehensive coverage of all travel insurance.
Cons
- The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
- Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.
Rewards
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance
Coverage
Travel Medical Insurance
$1M, Up to 25 daysTravel Medical Insurance (65+)
$1M, Up to 3 daysTrip Cancellation
$1500/person, $10000/tripTrip Interruption
$1500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personCommon Carrier Travel Accident Insurance
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrence
Mobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
*†With minimum spend in the 1st year. ◊Conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Our choice for: Best for Rogers, Shaw, or Fido Customers
APPLY NOW
on Rogers Bank's website
Welcome Bonus
Get $60 in cash back value(1)
Annual Fee
$0
Interest Rates
20.99% - 25.99%* / 22.99% - 27.99%*
This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!
Pros
- Voted the Best No Annual Fee Cash Back Card in Canada by FinlyWealth.
- There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
- Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
- Offers the flexibility to redeem cash towards Rogers, Shaw, Comwave or Fido services, potentially increasing your rewards.
- The Roam Like Home benefit is a benefit unique only to this card through an eligible Rogers mobile plan.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- Harder to qualify due to the high credit score and income requirements.
- Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.
Rewards
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave or Shaw.^
- Otherwise earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido, Comwave or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $90 value).^
Insurance
Coverage
Travel Medical Insurance
Up to 10 daysTravel Medical Insurance (65+)
Up to 3 daysTrip Cancellation
$1,000/person, $5,000 maximumTrip Interruption
$1,000/person, $5,000 maximumCar Rental Damage & Theft
31 days, $65,000 car MSRPPurchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
No Cost roaming
5 days with eligible Rogers mobile plan
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ^, Terms and conditions apply. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com. Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%. ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.
Our choice for: Best Aeroplan card for seniors
APPLY NOW
on TD's website
Welcome Bonus
Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
Annual Fee
$599
Interest Rates
21.99% / 22.99%□
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
Pros
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
Rewards
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† for every $1 spent on all other purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Insurance
Coverage
Travel Medical Insurance†
$5M/insured up to 31 daysTravel Medical Insurance (65+)†
$5M/insured up to 4 daysTrip Cancellation†
$2.5K/person, $5K/tripTrip Interruption†
$5K/person, $25K/tripFlight Delay†
$1,000/person after 4 hoursBaggage Delay†
$1K/person after 4 hoursLost or Stolen Baggage†
$2.5K/personCommon Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
Up to 48 consecutive rental daysHotel Burglary Insurance†
$2500Purchase Protection†
120 daysExtended Warranty†
2 yearsMobile Device Insurance†
$1,500
Benefits
Details
.svg)
Free first checked bag†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate†
up to $100 every 4 yearsVisa Infinite Exclusive Benefits†
Concierge Services†
Golf Benefit†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStoreStatus lift†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance†
Extra points†
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgradeStatus lift†
Complimentary upgrade to Avis® President's ClubStatus lift†
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift†
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift†
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Priority Travel†
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel†
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)Airport Lounge - Dragon Pass†
6 Free complimentary visitsAirport Lounge - Maple Leaf and AirCanada Cafes†
Unlimited Access for you and one guest
Companion Voucher†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Eligibility
Credit Score
GoodAnnual Income
$150,000 personal or $200,000 household
*†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best for premium travel
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 80,000 Aventura points
Annual Fee
$499
Interest Rates
20.99% / 22.99%□
The CIBC Aventura Visa Infinite Privilege Card offers a well-rounded suite of travel benefits, making it ideal for frequent travelers. The annual $200 travel credit, complimentary lounge access, and comprehensive insurance package ensure you’re covered for both convenience and protection. Plus, the ability to earn up to 3 points per dollar spent and redeem them at high values for flights makes this card an excellent choice for those who value travel rewards. However, it comes with a high annual fee and income requirements, so it's best suited for those who can fully take advantage of its perks.
Pros
- Generous rewards: Earn up to 3 points per $1 spent on travel and 2 points per $1 on gas, groceries, restaurants, and more.
- Valuable travel perks: Includes an annual $200 travel credit, 6 complimentary airport lounge passes, and discounts at Avis and Budget car rentals.
- High point value: Points are worth up to 2.29 cents each when redeemed for flights.
- Comprehensive insurance: Offers 12 types of insurance, including mobile device protection and emergency medical coverage.
Cons
- High annual fee: A $499 annual fee makes this a more expensive option.
- Strict income requirements: Requires a personal income of $150,000 or household income of $200,000 to qualify.
Rewards
- 3 points per $1 spent on travel purchased through the CIBC Rewards Center
- 2 points per $1 spent on dining, entertainment, gas, transportation, and groceries if they are in the first $200k transactions of the year
- 1 point per $1 spent on all other purchases
Insurance
Coverage
Common Carrier Travel Accident Insurance
$500,000Travel Medical Insurance
31 daysTravel Medical Insurance (65+)
10 daysFlight Delay
$500Baggage Delay
$500Trip Cancellation
$2,500Trip Interruption
$5,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$2,500Purchase Protection
180 daysExtended Warranty
Up to 2 yearsCar Rental Damage & Theft
up to car value of $65kMobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 6 Free complimentary visits.svg)
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Nexus Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 yearsVisa Infinite Exclusive Benefits
Exclusive offers.svg)
Travel Credit
Annual $200 travel credit to use at the CIBC Rewards Center
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
Our choice for: Alternative for premium travel
APPLY NOW
on RBC's website
Welcome Bonus
Up to 70,000 Avion points*
Annual Fee
$399
Interest Rates
20.99% / 22.99%□
The RBC Avion Visa Infinite Privilege is an excellent choice for frequent travelers who want premium travel perks and high-value rewards. The welcome bonus, insurance coverage, and airport benefits offer significant value for those who qualify. However, the high annual fee and income requirements may limit its accessibility, and the reward rate outside of the travel chart is less competitive.
Pros
- High-value points when redeemed via the Air Travel Redemption chart, with up to 2.33 cents per point.
- Extensive insurance coverage including emergency medical, trip cancellation, and mobile device insurance.
- Access to airport perks, including fast-track security and lounge access.
- Flexible rewards that can be transferred to airline partners like British Airways and Cathay Pacific.
Cons
- High annual fee of $399.
- Requires a high personal or household income of $200,000 to qualify.
- Only 1.25 points per $1 spent on all purchases, which is lower compared to other premium cards.
- Limited redemption value outside of the Air Travel Redemption chart.
Rewards
- 1.25x Avion points per $1 spent on all eligible purchases
Insurance
Coverage
Purchase Protection
120 daysExtended Warranty
Up to 2 yearsMobile Device Insurance
$1,500Common Carrier Travel Accident Insurance
$500,000Travel Medical Insurance
31 daysTravel Medical Insurance (65+)
7 daysTrip Interruption
$5,000Trip Cancellation
$2,500Hotel Burglary Insurance
$3,000Baggage Delay
$750Lost or Stolen Baggage
$2,500Flight Delay
$1,000Car Rental Damage & Theft
yes
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per yearGas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at RexallConcierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airportsVisa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades
Eligibility
Credit Score
GoodAnnual Income
$200,000 personal or $200,000 household
** This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.
Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
From our editors: The full list of Best Senior Credit Cards in Canada For 2025
Best Overall for seniors: Scotiabank Passport Visa Infinite Card
The Scotiabank Passport Visa Infinite Card is an excellent all around choice for seniors thanks to its strong travel perks and highly supportive insurance coverage. Cardholders earn dependable Scene Plus points on errands like grocery shopping, dining, entertainment, transit, and travel, while also benefiting from valuable features such as no foreign transaction fees and six complimentary Dragon Pass lounge visits. Its emergency medical insurance for those over 65 is especially notable, offering up to two million dollars of coverage per person for short trips, along with a broad list of protections that include diagnostic services, ambulance and air transport, prescription drug reimbursement, accidental dental care, return airfare, medical appliances, bedside transportation for a loved one, vehicle return, and more. Although the card carries an annual fee, the combination of generous insurance, helpful travel perks, and strong everyday rewards makes it a standout option for seniors who want reliable protection and value when they travel. Learn more at Scotiabank Passport Visa Infinite Card review.
Best travel card for seniors: Scotiabank Gold American Express Card
The Scotiabank Gold American Express Card is a strong option for seniors who want more points and a lower annual fee that is rebated in the first year. It provides up to one million dollars in emergency medical coverage for travellers over 65 for short trips, along with a wide list of protections including diagnostic services, ambulance and air transport, prescription drug reimbursement, accidental dental care, return airfare, medical appliances, bedside transportation for a loved one, vehicle return, and more. Beyond insurance, this card earns elevated Scene Plus points on partnered grocers, other eligible grocery purchases, dining, entertainment, gas, and travel, with additional bonus points on bookings made through Scene Plus Travel. The card also charges no foreign transaction fees and has lower income requirements, making it more accessible for many seniors. Overall, the Scotiabank Gold American Express Card is a good alternative for seniors who want stronger earning potential and a lower upfront cost while still receiving meaningful emergency medical insurance for travellers over 65. Learn more at Scotiabank Gold American Express Card review.
Best for Rogers, Shaw, or Fido Customers: Rogers Red World Elite Mastercard
For seniors who prefer a no fee credit card, the Rogers World Elite Mastercard is a strong choice with valuable travel insurance. Travellers over 65 receive up to one million dollars of emergency medical coverage for short trips, including protection for hospital and ambulance services, emergency air transport or evacuation, emergency dental care, return of a travel companion, bedside transportation, return of a vehicle, additional hotel and meal costs, and return of the deceased. It also includes rare no fee protections such as trip interruption and trip cancellation insurance. Beyond insurance, the card offers impressive cashback rates on both USD and non USD spending, especially for those with eligible Rogers, Fido, or Shaw services or those who redeem cashback on those purchases. Cardholders also receive a Dragon Pass membership and no cost roaming. While the card has higher income requirements and medical coverage is only available until age seventy five, it remains an excellent no fee option for seniors seeking reliable travel insurance and strong everyday value. Learn more at Rogers Red World Elite Mastercard review.
Best Aeroplan card for seniors: TD Aeroplan Visa Infinite Privilege Credit Card
The TD Aeroplan Visa Infinite Privilege Card is a strong pick for seniors who frequently travel with Air Canada and want premium Aeroplan perks. It offers up to five million dollars in emergency medical coverage for travellers over 65 for up to four days, covering everything from hospital care and diagnostics to emergency return home and accommodations. Cardholders earn solid Aeroplan points on Air Canada purchases as well as gas, groceries, and dining, and enjoy premium benefits like free first checked bags for up to eight companions, Dragon Pass lounge access, and an annual worldwide companion pass. Although it comes with a high annual fee and higher income requirements, it provides excellent value for seniors seeking elevated Aeroplan rewards and strong travel protection. Learn more at TD Aeroplan Visa Infinite Privilege Credit Card review.
Best for premium travel: CIBC Aventura Visa Infinite Privilege Card
The CIBC Aventura Visa Infinite Privilege Card is a strong option for seniors thanks to its generous emergency medical coverage, offering up to five million dollars for travellers over 65 for trips up to ten days. The policy covers hospital care, doctor visits, ambulance services, diagnostics, prescriptions, medical appliances, bedside transportation, vehicle return, meals, accommodations, and more. Beyond insurance, the card earns Aventura points on travel booked through the CIBC Rewards Center as well as on dining, entertainment, gas, transit, and groceries. It also includes helpful travel perks like Dragon Pass lounge access, an annual travel credit, and a Nexus rebate. With a lower annual fee than many premium competitors and robust protection, it’s a practical choice for seniors seeking strong coverage and solid travel benefits. Learn more at CIBC Aventura Visa Infinite Privilege Card review.
Alternative for premium travel: RBC Avion Visa Infinite Privilege
The RBC Avion Visa Infinite Privilege Card offers seniors up to seven days of emergency medical coverage when travelling, including hospital stays, physician and surgeon care, outpatient charges, diagnostic tests, prescriptions, ambulance services, and more. Cardholders earn straightforward Avion points on all eligible purchases and gain access to premium travel perks such as six complimentary Dragon Pass lounge visits per year, gas discounts, and priority travel services. With strong protection and reliable rewards, this card is a solid choice for travellers over 65 who frequently fly with Avion partners and want a longer-than-average emergency medical coverage period. Learn more at RBC Avion Visa Infinite Privilege review.
What is Emergency Medical Over 65 Insurance?
Emergency medical over 65 insurance offers dedicated coverage to travellers over 65 years of age.
Coverage in this category may vary by card, but generally you can expect to be covered for situations like:
- Hospital and Medical Expenses
- Emergency Dental Expenses
- Return Airfare
- Transportation to Bedside
- Vehicle Return
- Extended Accommodation Expenses
- Return of Deceased and more
To understand the exact coverage categories and terms and conditions of your eligible credit card, always review the card’s official certificate of insurance. For your convenience, we’ve linked each certificate to every card mentioned below.
Frequently Asked Questions
After the age of 65, tons of travel credit cards revoke coverage or shorten it drastically. Having a credit card with emergency medical over 65 insurance allows senior travellers to explore the world with peace of mind knowing that hospital stays, ambulance services, prescriptions, or return airfare may be covered.
The Scotiabank Passport Visa Infinite Privilege Card and the CIBC Aeroplan Visa Infinite Privilege Card both stand out, offering up to $5 million in emergency medical insurance for seniors, with coverage lasting a maximum of 10 days. That said, these premium credit cards come with higher annual fees, which is why the Scotiabank Passport Visa Infinite Card might be the best overall option.
There sure is! The Rogers World Elite Mastercard is a no-fee contender that offers emergency medical over 65 insurance for up to $1 million for trips of up to 3 days. This makes the card ideal for quick getaways, but note that coverage stops after age 75 and you’ll need a high income to qualify.
Some cards, like the Meridian Visa Infinite Travel Rewards Card, the Meridian Visa Infinite Cash Back Card, National Bank World Elite Mastercard, and Desjardins Odyssey World Elite Mastercard cover seniors ages 65-74 for up to 15 days per trip. However, once you turn 75, you are no longer covered for emergency medical services by these credit cards.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
SEE FULL BIOAbout the editor
Faith Ogunkanmi
Editor
Faith is a seasoned finance professional with over six years of experience specializing in credit analysis, financial risk assessment, and business/personal lending. My background includes extensive w...
SEE FULL BIOAbout the reviewer
Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
SEE FULL BIO