Common Questions
Frequently Asked Questions
Find answers to the most common questions about selecting and managing insurance plans designed for seniors.
What types of insurance plans are available for seniors?
PlansAssurSenior offers a variety of plans, including health, life, travel, and dental insurance designed specifically for Canadians aged 55 and over. Each plan includes coverage details, benefit limits, and optional riders that can be tailored to individual needs.
How do I determine the right coverage level?
Selecting the appropriate coverage depends on your health profile, lifestyle, and budget. We provide free consultations to review your requirements and help you compare plan features so you can make an informed decision.
Can I add a spouse or partner to my policy?
Many of our plans offer joint coverage options, allowing you to include a spouse or partner under the same policy. This can simplify billing and often results in lower combined premiums.
What factors affect my insurance premiums?
Premiums are influenced by your age, health history, desired coverage limits, and optional add-ons. Lifestyle factors such as smoking status and pre-existing conditions may also impact the final rate.
Are there waiting periods for coverage?
Depending on the plan and selected benefits, waiting periods may apply for certain medical services or pre-existing conditions. We will outline any applicable waiting periods during your consultation.
How do I file a claim?
Claims can be submitted online or via mail with the required documentation, such as medical reports and invoices. Our support team is available to guide you through each step to ensure a smooth process.
Can I change my plan after enrollment?
Yes, you may request modifications to your coverage during the policy renewal period or if you experience a significant life event. Changes are subject to plan terms and underwriting approval.
Is there customer support available after I enroll?
Our dedicated support team is available by phone or email to answer your questions, assist with claims, and help you understand any policy details long after enrollment.
Do you offer discounts or loyalty benefits?
Some plans include multi-year premium credits or preferred rates for non-smokers and bundled coverages. We regularly review promotions and may share applicable offers when you apply.
What happens if I travel outside Canada?
Travel insurance for seniors can be added to most health plans, offering emergency medical coverage abroad. Details on coverage limits and exclusions will be provided at the time of purchase.
How long does it take to get coverage?
Once your application and any required medical information are submitted, approval typically takes between one and two weeks, depending on the complexity of your health history.
Can I receive my policy documents electronically?
Yes, we offer digital delivery of policy documents and ID cards via secure email. Paper copies are also available upon request.