Travel Insurance for Seniors
Traveling is the need for all, but it’s a dream for some. If you love to travel, you might have often closed your eyes and imagined the sites you will see on your trips. But you might not think about all the things that might go wrong on your vacation – and unfortunately, things can go wrong!
Travel insurance is your safeguard against the risks of traveling. If you think of how seniors are comparatively vulnerable compared to younger generations, you will see that travel insurance is a must for their peace of mind.
Why Do You Need Travel Insurance?
Travel insurance is all about peace of mind. When planning to travel, seniors need to get suitable travel insurance to cover unexpected problems that might occur that would otherwise mean paying out large sums of money.
Unexpected things can take place during your vacation, such as an accident, delayed flights, lost baggage, or the need to cancel the whole trip for health or family reasons.
With appropriate travel insurance, you don’t have to worry if a flight is canceled and you need to pay last-minute hotel rates, or if you suffer an accident and require expensive medical treatment. Travel insurance is a safeguard against substantial financial losses in many challenging to predict situations.
Senior’s travel insurance can protect them by covering medical expenses, missing baggage, and so on. While it may be tempting to skip it and save the money for a more flexible vacation, seniors are highly recommended to get an insurance plan.
Risks for Travelers Over 65
The risks associated with traveling for senior travelers can include the following:
- Reoccurrence of a preexisting medical condition
- Sudden medical emergency
- Tour cancellation
- Urgent need for medical evacuation
- Unattended luggage
- The immediate need for help or advice during the tour
- Unexpected work requirements
What Coverage Do You Need as a Senior Traveler?
Not all policies offer the same coverage. When choosing a policy, you should look for the following coverage as per your requirements:
- Medical Coverage
- Preexisting Medical Condition Coverage
- Evacuation Coverage
- Baggage Coverage
- Protection for Tour Cancellation
- Financial Default Coverage
- Repatriation Coverage
- Personal Liability Coverage
- Accidental Death Coverage
- Dismemberment Coverage
Best Travel Insurance Policies for Seniors
Travel insurance for seniors is essential. But not all insurance policies are equal, nor are all companies reputable. You may recognize some insurance companies’ names, but that doesn’t mean they offer the best cover or are more trustworthy. Here is a list of insurance companies that offer trusted travel insurance cover aimed explicitly at older people.
Allianz Travel Insurance
Allianz is one of the best travel insurance companies for USA senior citizens. If you are sixty and over and a regular travel person, you need yearly travel insurance. With this coverage you buy once, you can get coverage for all the travel risks and emergencies throughout the whole year.
All you need to do first is answer a few simple questions to make the right choice of coverage. E.g., All Trips Prime Plan covers emergency medical transportation for trips of three, six, or even 12 months.
There is a variety of demanding specific options for you. Allianz can cover domestic and international travel, including cruises. Coverage opportunities include trip cancellation, change fees, lost baggage, rental cars, and medical emergencies.
Atlas Travel Insurance
With Atlas Travel Insurance by Tokio Marine HCC, seniors aged 70-79 can choose maximum coverage of $50,000, $100,000, or 150,000. Seniors over 80 can have minimal coverage at only $10,000.
Atlas Travel offers coverage for travel delay, loss of luggage, and tour interruption but not for trip cancellation. The plans cover medical emergency expenses and other expenses related to it. You also get coverage for repatriation, personal liability, accidental death and dismemberment, and so on.
Traveling may pose serious issues that are tough to manage. Travel Guard Travel insurance for senior citizens is a popular insurance product. They offer standard cancellation coverage. Besides, they have coverage plans for preexisting conditions and total medical expenditures.
AXA Travel Insurance
AXA Travel Insurance is ideal for seniors who love to travel occasionally. They provide different levels of coverage, and each type of coverage includes various levels of protection. You should explore the cover options and choose the best one for you based upon your needs. Their specialty is that they present specialty adventure protection, so if you are planning a trip full of adventurous activities, then AXA is probably the best choice for you.
Insure My Trip
Insure My Trip is another trusted travel insurance company where seniors can buy cover. They offer their elderly customers a wide range of choices and maintain high-quality standards.
Insure My Trip guarantees you the best price. They tailor the best plans based on the information you give them. Seniors can readily compare the policies, the price, and thousands of travel insurance reviews of the plans and make a choice based on their unique needs.
Now you can make the best travel insurance choice for you by checking the offers and policies of these companies. You can also ask for customized plans. Remember that all travel insurance companies offer a free cooling off period with a refund if you decide the plan is not what you need.