Travel Medical Insurance for US Senior Citizens

While traveling abroad can be fun and exciting, it can also be risky, especially for those above the age of 65. Travel-related incidents such as accidental injuries or unforeseen illness can spoil travel plans regardless, but they become even more difficult to handle as you age.

Buying senior travel insurance is crucial to protect yourself from any financial burden that may result from any unexpected incidents during your travels abroad.

What Is Travel Insurance for Seniors?

Travel insurance for seniors provides protection for unexpected events that may occur during one’s travels abroad. This includes medical coverage for new illnesses or injuries that happen during a trip.

This type of coverage can be crucial for US seniors traveling internationally to protect against a huge financial burden in the event of an unforeseen circumstance and allow you to receive the medical care you need, even in a foreign country.

What Does Senior Travel Insurance Cover?

Senior travel insurance can offer coverage for the following instances while traveling internationally:

• Medical coverage for new incidents including accidents, illnesses, and injuries
• Emergency services including hospitalization and surgery
• Emergency medical evacuation
• COVID-19 coverage
• Prescription drugs and medication (to treat new injuries or illnesses)
• Return of mortal remains
• Lost luggage
  

How Senior Travel Insurance Helps When Traveling Abroad

International travel insurance for seniors is an extremely important component for anyone planning a trip abroad, but it’s especially important for senior citizens for the following reasons.

Medicare Won’t Cover You Outside of the US

For U.S. citizens traveling abroad, your domestic healthcare plan, including Medicare, may not cover you while you’re traveling outside of the U.S. If a situation arises in which you have to visit a doctor or a hospital during your trip and don’t have travel medical insurance, you’d be left to pay all of the medical bills out of pocket.

It’s important to note that medical treatment may be more expensive in a foreign country, and healthcare systems can be more confusing to navigate with a language barrier and without the help of your insurance company.

Having travel insurance for U.S. senior citizens will assist you in finding a trusted doctor or hospital to receive treatment, and will also help alleviate any financial burden that will be incurred without your domestic insurance or Medicare coverage.

Medical Emergencies Are More Likely for Seniors

As you get older, your chances of getting sick or injured increase. Should an accident or emergency occur while you’re traveling abroad, you’ll reduce unnecessary financial stress, knowing that you have adequate coverage for the treatment that’s needed.

Seniors Are More Likely to Need Emergency Medical Evacuation

In the event of a catastrophe or emergency, such as a terrorist attack or natural disaster, emergency evacuation could be necessary. Similarly, if you get injured or contract a severe illness and a physician deems you unable to receive adequate treatment at your current location, medical evacuation could be necessary.

Under normal circumstances, evacuation can be extremely expensive. Having this coverage in your medical insurance policy could save you money, time, and possibly your life.

Protect Yourself Abroad With Travel Insurance

Because senior citizens face higher travel and health risks while traveling outside of their home countries, the U.S. Department of State highly recommends that you purchase a travel medical insurance policy in preparation for your upcoming vacation.

Want more travel tips for Seniors? We have you covered. Have questions about travel insurance? Our team of travel insurance experts are happy to help.

Frequently Asked Questions