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Travel insurance is a smart way to protect your investment on a big trip in case unexpected obstacles prevent you from traveling. Now more than ever, it seems more likely than ever to risk spending money on last-minute travel-disruptive and, in some cases, irreversible purchases. There are a variety of travel insurance options for those over 65, but it's important to understand the ins and outs of travel insurance for seniors.
Holiday Insurance For Over 65s
Medical problems or situations at the destination (or en route) can kill the best-laid plans. Many credit cards offer travel insurance as one of their benefits. These programs can help with lost or delayed baggage, flight delays and cancellations, and travel arrangements that are paid for with that particular card.
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When purchasing additional senior travel insurance, don't rely on the default options provided by your travel provider. There are many factors to consider, such as how long you plan to be away from home, the possibility of injury or illness (including any medical conditions you may have), and other insurance plans you may already have coverage for.
For example, it may not cover medical discharge but may include local transport to the hospital. Keep in mind that US health plans or Medicare coverage is particularly limited abroad.
Here are a few options worth checking out from several insurance providers: Allianz, Medjet, Travelers and your particular travel provider.
Allianz offers great news for travelers over the age of 65. It helps you pay for your medical expenses abroad, even in local currency and their preferred payment methods.
Travel Insurance By Aig
For longer trips, it offers AllTrips Prime plans in three-, six- or 12-month increments (ideal if you're planning to vacation elsewhere in the winter months, for example). This program includes emergency medical transportation. The company does consider pre-existing medical conditions, so read the fine print.
If you fall ill or need assistance during your trip, Medjet's Medical Transportation Supplement can get you home or to a hospital of your choice. It includes air medical transport. It's a membership program that includes incidentals and can be purchased for trips or annually. While this isn't technically travel insurance, the company does offer additional medical transportation in case of an emergency.
This insurance may be useful if you plan to travel to remote or unfamiliar areas (such as on safari), isolated islands, and other remote locations.
Many other travel insurance companies may refer you to the nearest hospital. For travelers under 75, Medjet does not exclude pre-existing medical conditions, nor does it include the same activities that other providers do.
The Best Travel Insurance
Travelers Insurance has the option to purchase annual multi-trip travel protection, covering a full year of travel with optional upgrades to several features. Additional coverage includes "cancellation for any reason" coverage and trip interruption.
For certain types of travel, such as cruises or Caribbean resorts, where hurricanes are common, it may be a good idea to use the insurance recommended by your travel provider. This insurance is usually provided as an add-on during booking, but can also be added after booking.
These policies may cover delays or cancellations, but be sure to read the fine print to see if medical transportation or trip interruption is also covered.
When planning your own trip, whether it's to Paris or the Maldives for your honeymoon, it makes sense to choose your own supplier. If the cruise line or travel outfit offers its own insurance, it may be the most comprehensive in terms of the specific provider's operation.
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Deciding whether or not you need travel insurance is the first hurdle. The latter is choosing the right tasks that are not more expensive than trying to protect you. These are some great tips to consider.
It's wise to use aggregator sites like SquareMouth (partner) and InsureMyTrip.com to compare available options. These sites compare options from dozens of different providers and detail what they cover and what they don't.
Checking the exclusions and considering them in your travel scope will help you choose the plan that best suits your travel needs.
Check your current coverage, whether it's through health insurance or credit card protection you already have. You may pay extra when you get additional travel insurance.
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Don't make your final decision based on price, as sometimes the cheapest policies are the most restrictive - the most expensive ones cover activities you won't even do.
Does not appear to be included due to technical issues (terrorist attacks or war). If you're not sure, pick up the phone and ask if it's specific to your situation.
It's helpful to understand your current coverage, especially with certain credit cards, so travelers over 65 can make the best insurance decisions for their trip.
You need a travel credit card that prioritizes what's important to you. Here are our picks for the best travel credit cards of 2023, including the best:
Can You Get Travel Insurance For Over 70s?
About the Author: Ramsey Qubein is a freelance writer and editor who travels 450,000 miles a year. With a presence in 166 countries and counting, its loyalty programs and credit card offerings help people travel more efficiently and in style without breaking the bank. Read more
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Sign up and we'll send you interesting articles on the money topics that matter most to you, as well as other ways to help you get more for your money. When you retire, the world is your master, and it's time to fulfill your dreams of traveling the world or flying to the sun. But as you get older, it becomes more important to buy a travel insurance policy for seniors that suits your needs. At Allianz Help Desk, we offer a range of travel insurance for seniors over 70 so you can travel with confidence. Our single trip and annual travel insurance policies are designed to cover people up to the age of 75, but if you're over 75, visit our page for helpful advice on getting travel insurance.
Below is more information about our products, terms and conditions. See the Policy Information Center for details.
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While we are refining our online booking process, we are unable to offer travel insurance policies to cover people for pre-existing medical conditions, and we plan to relaunch our offer in the near future once the upgrade is complete.
Our individual travel and annual travel insurance policies offer different levels of coverage, so you can choose the policy that's right for you.
It is important to note that you are not covered for pre-existing medical conditions. We will be temporarily suspending this service starting May 5, 2021 while we make some changes to our online ordering process. However, please see our offer in the future as we will re-introduce coverage for previous conditions once the update is complete.
When you choose our bronze level insurance as part of our single trip or annual insurance policy, you get the following:
Travel Insurance Discount Code
Also, if you buy our gold insurance, you will get a higher level of benefits and also cover your financial failures.
Each policy has different benefit limits, so read your insurance documents carefully. Some exclusions apply to our general policy and some specific exclusions apply to some parts of our policy, so you should understand these and be clear about what your coverage is. You should also keep in mind that your policy will have an excess if you make a claim.
Yes, our one-way travel insurance policies are only available for under 80s and our annual travel insurance policies are for those 65 and under. Our bag policy only applies to people aged 50 and under, unfortunately it does not include seniors.
If you are past this maximum age, there is no need to panic. You can find specialized insurance companies that can handle travel insurance policies for your seniors. If you're over the upper age limit, visit our page for helpful advice on getting travel insurance.
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