The Best Travel Insurance For Seniors

Shawn Plummer

CEO, The Annuity Expert

Seniors Travel Insurance

Seniors travel insurance provides coverage specifically designed for older individuals planning to travel. It offers protection against unforeseen events such as medical emergencies, trip cancellations, and lost baggage. Travel insurance for senior citizens can give older travelers peace of mind, ensuring they are adequately protected throughout their journey.

If you qualify for Medicare, are actively enrolled in Medicare Parts A & B, and are enrolled in a Medigap or Medicare Advantage Plan, read below. 

What Is Senior Travel Insurance?

International travel insurance for seniors is a specialized insurance policy that covers older travelers for medical emergencies, trip cancellations, lost belongings, and other potential issues while traveling. It’s designed to offer peace of mind for seniors exploring the world.

Key Takeaways

  • This travel insurance plan is available to individuals enrolled in Medicare and available to travelers aged 65 to 75.
  • There’s no additional medical underwriting required. Enrollment involves reviewing the benefits and submitting an enrollment form with the premium.
  • These plans cover usual, reasonable, and customary charges for eligible expenses where treatment is received.
  • Various benefits for hospitalization, intensive care, surgery, outpatient treatment, physical therapy, prescriptions, etc., subject to certain limits.
  • Specialized coverages for preventative care, transplants, return of mortal remains, pre-existing conditions, dental treatment, and more.

What Is Unique About Senior Travel Insurance?

Senior Travel insurance is a travel medical insurance created explicitly for travelers over 65. There are a few things that are unique about travel insurance for seniors.

  • First, most policies do not have an age limit, so you can still be covered even if you’re over 70.
  • Second, many policies offer increased coverage for medical expenses and evacuation costs. This is important for seniors, who may be more likely to require medical attention while traveling.
  • Next, the insurance is Medicare-friendly, which is a unique feature.
  • And finally, many policies offer trip cancellation coverage. This can help reimburse you for the trip cost if you have to cancel it for any reason.

Your domestic health insurance will not cover your medical or dental while traveling abroad.

Senior Travel Insurance

Why Senior Travel Insurance is Important

As we age, the chances of having a medical emergency during travel increase. It’s important to have senior travel insurance that covers medical emergencies and other travel mishaps, such as trip cancellations, delays, and lost luggage. These unexpected events can ruin a trip without insurance and cause financial strain.

What Does Senior Travel Insurance Cover?

Most travel insurance policies offer coverage for a variety of events, including:

Factors to Consider When Choosing Senior Travel Insurance

Medical travel insurance is essential for seniors, offering coverage for health emergencies while traveling. Whether it’s international insurance for trips abroad or annual plans for frequent travelers, options like International Medical Group (IMG) and GeoBlue are top choices. These plans ensure seniors are protected during their journeys, covering everything from medical mishaps to travel incidents, providing peace of mind for every trip throughout the year.

Best Senior Travel Insurance

Tips for Traveling as a Senior

Traveling as a senior can be a rewarding experience, but it’s essential to take precautions to stay safe and healthy. Here are some tips for traveling as a senior:

  • Consult with your doctor before traveling to make sure you are healthy enough to do so.
  • Pack any necessary medications in your carry-on luggage and a copy of your prescriptions.
  • Use luggage with wheels to avoid strain on your back and shoulders.
  • Choose comfortable shoes for walking and avoid high heels.
  • Stay hydrated and take breaks as needed
  • Choose a destination and activities that match your physical abilities.
  • Take out travel insurance to cover any unexpected medical emergencies or travel mishaps.

The Best Travel Insurance Plans For Seniors

Travel Insurance For Seniors

Next Steps

If you’re a senior traveler, enrolling in a Senior Travel Insurance policy is a great way to supplement your current health insurance and give yourself extra peace of mind while on your trips. Here at The Annuity Expert, we offer quotes for comprehensive policies from some of the leading providers in the industry. Contact us today for more information or to get started with a quote.

Travel Insurance For Seniors

Travel Insurance For Seniors Quotes

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Frequently Asked Questions

What is the difference between travel insurance and travel health insurance?

Travel insurance is tailored to guard against trip cancellations, lost possessions, and emergency medical services while on vacation. Conversely, global health protection offers comprehensive coverage for doctor visits and long-term treatments of persistent conditions when overseas.

Is it better to buy travel insurance early or late?

When purchasing travel insurance, the earlier you buy coverage, the better. So, as soon as your trip is booked and arrangements are made, secure a policy covering cancellations or any other unforeseen events. Not only will this give you peace of mind sooner rather than later, but it may also provide additional perks when purchased reasonably!

What health insurance does the USA offer seniors?

Look no further – Medicare is the right choice! Offered by the Federal Government to people aged 65 and above, specific individuals with disabilities, as well as those suffering from end-stage renal diseases (ESRD), Original Medicare offers unparalleled coverage. So enroll today and see why so many seniors choose this reliable plan!

What is the oldest age for travel insurance?

If you’re feeling a bit apprehensive about your age when it comes to travel insurance, don’t worry. Some companies can provide coverage for travelers up to the ripe old age of 100! The limits may be lower than other policies, but they still exist — so don’t let your age stop you from exploring the world!

Is there travel medical insurance for seniors over 70 from the USA?

Yes, travel medical insurance is available for seniors over 70 from the USA. Several companies offer specific plans to meet older individuals’ unique health and travel needs. These plans typically cover medical emergencies, evacuation, and sometimes pre-existing conditions.

What is the best travel insurance for seniors over 70?

The “best” travel insurance depends on specific needs, but some highly-rated options for seniors over 70 include companies like IMG and GeoBlue. These offer various plans with emergency medical, evacuation coverage, and coverage for pre-existing conditions.

What are annual travel insurance plans for seniors?

Annual travel insurance plans for seniors are a type of coverage that protects multiple trips throughout the year. These long-term plans are designed to meet older adults’ unique needs and concerns, offering comprehensive coverage for medical emergencies, trip cancellations, and lost belongings.

Why do seniors need travel insurance?

For seniors, travel insurance is particularly important for several reasons: Higher Risk of Medical Issues, Pre-Existing Conditions, Trip Cancellation, Emergency Medical Evacuation, Longer Travel Duration, and Assistance Services.

Can you buy travel insurance at age 65?

Yes, you can definitely get travel insurance if you are over the age of 65. Many insurance companies offer travel insurance plans specifically designed for senior travelers.

Is there medical travel insurance available for seniors?

Yes, medical travel insurance is available for seniors. This type of insurance is specifically designed to cover medical expenses that seniors might incur while traveling.

How can you get travel insurance over age 70?

Obtaining travel insurance for someone over the age of 70 involves several steps:
Research Insurance Companies, Compare Policies, Check Age Limits and Premiums, Disclose Pre-Existing Conditions, Consult with Insurance Providers, Purchase Online through the Annuity Expert, Review the Policy Carefully, and Consider Multi-Trip Insurance.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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