Best Travel Companies For Seniors - When it comes to planning a trip, there's one expense that far too many travelers overlook: travel insurance.
It's a tedious subject to research and read about — and it's an added expense that many budget travelers aren't happy to pay. Chances are nothing will happen, right? Why not save some money and spend more on travel?
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Unfortunately, as many people have learned the hard way—myself included—things can go wrong in the blink of an eye. I've lost luggage, broken my new gear, and needed emergency medical care (several times) while traveling.
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And these are only the "serious" incidents. I have also experienced countless flight delays and cancellations – events that are also covered by travel insurance.
This is especially important for older travelers. While most tend to be a little more logical than young backpackers (when was the last time you saw a 65-year-old man jumping rope at a full moon party in Thailand or bombing his way to death in Peru?), there are often health and medical issues involved. which should be considered.
Even if you're a healthy traveler over the age of 55, purchasing travel insurance is an essential step in your planning. It covers you for delays and cancellations, damages and worse. It's a safety net for you and your loved ones that will not only help you avoid huge medical expenses, but also give you peace of mind so you can enjoy your trip worry-free.
Insurance is a billion dollar business and everyone wants to get in on it. As a result, you are faced with a bewildering number of companies and policies, some with terminology that can be confusing and overwhelming.
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First, make sure your travel insurance has a high coverage limit for your medical expenses. Most travelers can afford $100,000 in coverage. However, if you are elderly or have health conditions, you may want more ($250,000-$500,000 would be my suggestion).
High coverage limits are important because if you get sick, injured, or need special attention and need to see a professional, you need to make sure your high hospital bills are covered. The worst thing you can do is shop around and get a policy with a $20,000 coverage limit, then break a leg and hit that limit before they're done taking care of you.
Second, you'll want to make sure your travel insurance policy covers emergency evacuation and care separate from your medical coverage. For example, if you're hiking in the woods and break your leg, your policy should cover your evacuation to the nearest acceptable medical facility.
If a natural disaster occurs and you need to evacuate to another location, your plan should cover that as well, ideally up to $300,000.
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Also, make sure you understand whether evacuation coverage will pay to get you home or just send you to the nearest receiving facility. For example, if you break your leg abroad, most insurance policies will cover your hospital expenses. However, they will not pay for your return home because it is not a life-threatening injury that requires pre-treatment.
Standard emergency evacuation coverage often only pays for a return flight if your current facility is inadequate or "medically necessary."
In short, check whether your company will cover the cost of your return flight if you need it.
If you prefer not to stay in a foreign hospital for treatment and recovery, you should consider a medical transport membership program such as Medjet, which ensures that if you are hospitalized abroad, you can be repatriated - something that many travel insurance policies cannot guarantee.
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A quick note about electronics: Most companies only have a small limit (usually up to $500 per item) as part of their basic coverage. You can often purchase additional insurance for more extensive coverage. If you're traveling with a lot of expensive gear, make sure you buy extra coverage.
World Nomads is comprehensive and includes everything you'll need. It's not the cheapest company, but I don't want to skimp on my coverage.
This is a new insurance company for long-term budget travelers. Its plans aren't as comprehensive as World Nomads, but they're much cheaper. Most medical claims have a $250 deductible, but monthly plans cost a third of World Nomads' plans.
Medjet is not an insurance company per se. Moreover, it is a membership program that provides comprehensive medical transportation services worldwide. Members have 24/7 access to hundreds of air ambulances and expert medical transport escorts and personnel located around the world. While most insurance companies make sure you go to the "nearest receiving facility" after an injury, Medjet makes sure you get home.
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Insure My Trip is an insurance aggregator that aggregates policies from over twenty different companies to help you find the best policies for your needs and budget.
As an older traveler, this is the best place to shop and get the price. You'll be able to find policies for travelers over 70, as well as plans with a "cancellation for any reason" clause. It also offers policies that include coverage for certain pre-existing conditions.
As many travelers have learned the hard way, most travel insurance policies do not cover pandemics. So far, this hasn't really bothered most travelers. Heck, until this year, I never really thought about the "pandemic clause" when reading my insurance policies.
Fortunately, insurance companies have adapted to our new reality and some now offer limited coverage for COVID-19 (or any other pandemic). This usually includes trip cancellation or delay (as is the case with World Nomads, although it also offers medical cover for COVID) or home transportation (as is the case with Medjet). SafetyWing also provides coverage for COVID-19.
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Before you buy a plan anywhere, be sure to read the fine print about the pandemic and COVID-19. Make sure you understand what is and isn't included so you can take appropriate action should the situation arise. If in doubt, call and speak to a representative. Do not risk your health with assumptions!
Everyone should buy travel insurance before leaving home, regardless of age. While most travelers only experience minor problems, such as delayed flights or lost luggage, it's always better to be safe than sorry in the event of a health emergency.
However, older travelers in particular should make sure they have the necessary cover in case something goes wrong. While their options are generally less rugged (and more expensive), there are still plenty of options available to ensure you're protected while you enjoy your well-deserved trip.
Find cheap flights using Skyscanner. This is my favorite search engine because it searches websites and airlines worldwide, so you always know no stone is left unturned.
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You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as it consistently offers the cheapest prices for B&Bs and hotels.
Travel insurance protects you against illness, injury, theft and cancellation. This is full protection if something goes wrong. I never travel without it as I have had to use it a few times in the past. My favorite companies that offer the best service and value are:
Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation. They are the ones who allow me to travel so much for so little. Check out my guide to choosing the right card and my current favorites to get started and see the latest best deals.
Check out my resource page for the best companies to use when traveling. I will list all of them that I use while traveling. They are best in class and you won't go wrong using them on your travels.
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Disclosure: Please note that some of the links above may be affiliate links and at no additional cost to you, I receive a commission if you make a purchase. I only recommend products and companies that I use and the proceeds go to keep the site community supported and ad free. A travel insurance policy can cover a range of risks, including emergency medical care and evacuation; cancellation and delay of travel; weather interruptions; and lost, damaged or stolen baggage. The peace of mind that comes with buying travel insurance is one of the biggest benefits of doing so. If there's a chance you won't go on a trip, especially a vacation that costs thousands of dollars in plane tickets, rental cars, and pre-paid excursions, having travel insurance that you back will not only save you money, but also stress and worry. . Learn more about the pros and cons of buying travel insurance.
It is important to choose the best travel insurance company for your needs. If you or someone on your trip has health problems, buy travel insurance with strong medical coverage
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