Medipac review

On the evidence, yes: Medipac holds an A (Excellent), ICR a+ financial-strength rating from AM Best (Apr 2026) — an independent agency’s verdict on its ability to pay claims. Carrier is Old Republic Canada; Medipac is the administrator (endorsed by the Canadian Snowbird Association).

Medipac stands out for snowbirds 60+ wintering in the US. Purpose-built for 60+ with a 90-day stability window, and a-rated, long-established underwriter. If those things matter most to you, it’s worth a close look; if your priority is something else, compare it against the companies that rate highest on that pillar.

The watch-outs we found: lower US$2M base medical limit; cumbersome questionnaire, dated digital, restrictive refunds. We spell these out so you can weigh them before buying — every insurer has trade-offs, and knowing them upfront is the point of a real review.

Medipac ranks #6 of the 9 travel insurance providers we scored, at 77.8/100. It’s strongest on financial strength and has the most room to improve on digital experience.

Yes, and it is the main reason to consider Medipac. Stability means no new treatment, no change in medication type, dosage or frequency, no new or worsening symptoms, no deteriorating test results and no hospitalisation or specialist referral. A 90-day window gives you half the exposure of the 180-day standard used by GMS and many others. Medipac also carves out specific changes that do not count: cholesterol medication changes, brand-to-generic switches at the same dosage, and warfarin or insulin dosage adjustments made purely to maintain correct blood levels while your condition is otherwise unchanged.

Exclusion 2 in the policy wording. Regardless of how stable your condition is, Medipac excludes any medical condition that in the 12 months before your effective date or trip start date required either three or more emergency room visits, hospitalisations or day surgeries in any combination, or a single hospitalisation lasting more than 48 consecutive hours. This catches people who assume stability is the only test. If either applies to you, call Medipac's Specialty Services line at 1-877-888-5259 about Individual Underwritten Insurance rather than assuming you are covered. Travellers under 56 on trips shorter than 41 days are exempt from this and several other exclusions.

No. Medipac states plainly that its policy is for emergency medical treatment only and is not a trip cancellation or interruption policy. If your trip is cut short, or you are stranded abroad, your transportation and accommodation costs are not covered. This is the single biggest gap for people switching from an all-inclusive package. You will need to buy cancellation and interruption coverage separately, whether through a travel agent, a credit card benefit or a competing insurer such as GMS or Allianz that sells non-medical coverage as a standalone product.

Because over-55 applicants are sorted into rate categories by medical questionnaire, and the published tables show three tiers: Preferred PLUS, Preferred and Standard. The gap is large. On a 143-150 day trip at a $99 USD deductible, a 66-70 traveller pays $1,446 in Preferred PLUS but $3,371 in Standard, a 2.3 times difference on identical coverage. Your answers about medication, hospitalisation and recent treatment decide which column you land in. This is also why comparing Medipac's headline rate against a competitor's headline rate is misleading until you have both actual quotes.

Medipac's own guidance is that you cannot exceed seven months, or 212 days, outside your province within a year, and that the limit is six months or 183 days if you live in Quebec, PEI or Nunavut. This matters because valid provincial health insurance for the full trip is an eligibility condition of the policy. Medipac's rate tables reflect this directly: trip lengths beyond 183 days are simply not sold to residents of those three jurisdictions. Confirm the current rule with your own provincial plan before booking a long stay, since these thresholds do change.