There's no doubt that traveling in your golden years can be an exciting and adventurous time as you enjoy your freedom and retirement.
However, when it comes to traveling as a senior, it is important to consider safety measures to ensure that you are protected abroad and so your trip can be as stress-free and enjoyable as possible.
Senior travel insurance provides crucial coverage for older travelers for unexpected events that can occur when venturing internationally so that they can fully let lose and make lasting memories.
What Is Senior Travel Insurance?
Senior travel insurance is a type of temporary health coverage that provides medical benefits for emergency situations abroad.
This can be especially valuable for seniors who are concerned about their health when traveling and whether they will be covered if they need to seek medical care.
If you are seriously injured or become ill while traveling outside of your home country, senior travel insurance can provide coverage for your treatment.
What Does Senior Travel Insurance Cover?
Senior travel insurance can offer vital coverage for older travelers for when they venture outside of the United States. It can cover medical expenses associated with necessary healthcare for new injuries or illnesses that happen during their trip.
Senior travel insurance can cover:
- Hospitalization
- Surgery
- Urgent care
- Prescription medication
- Emergency dental
- Emergency medical evacuation
- Repatriation of remains
- Accidental death and dismemberment
- Lost luggage
- Lost or stolen passport/visa
Senior travel insurance can offer a vital safeguard for older travelers as it covers a variety of emergency medical and travel situations.
What Doesn't Senior Travel Insurance Cover?
Senior travel insurance is meant to act as temporary coverage for an individual's journey abroad. Since travel insurance is temporary coverage, there are some exclusions and limitations.
Senior travel insurance typically excludes coverage for:
- Routine care
- Preventative treatment
- Elective treatment
- Mental health
- Check-ups
- Dental care
- Pre-existing conditions*
How Much Is Senior Travel Insurance?
The cost of a senior travel insurance plan will vary depending on a number of factors. This can include your age, the policy maximum and deductible you select, your destination country, the length of your trip, and more.
For example, for a trip to France for two people visiting for approximately 3 weeks, travel medical coverage can range from $150 to $300 total.
To compare senior travel insurance costs for your specific travel plans, get a quote in just a few seconds.
Does U.S. Health Insurance Cover Seniors Abroad?
Most seniors traveling outside of the United States may not realize that their U.S. health insurance plan likely won't cover them abroad.
Typically, health insurance plans based in the United States won't cover medical expenses incurred abroad. This includes Medicare.
For this reason, it is imperative that seniors who are traveling abroad bridge this coverage gap with a travel medical insurance plan.
Is Senior Travel Insurance Necessary?
Senior travel insurance is often seen as necessary, especially for older individuals venturing outside of their home country.
With age comes an increased risk of unforeseen sickness or injury. If an emergency medical situation were to occur internationally, seniors may have to pay out-of-pocket for their expenses.
This can put a huge financial strain on travelers if they are hospitalized or receive emergency medical treatment, especially in countries where healthcare is expensive.
Best Travel Insurance Plans for Seniors
The following travel medical insurance plans are best suited for U.S. seniors traveling abroad.
Get Senior Travel Insurance Today!
If you're a senior planning your international travels, don't forget to secure travel insurance for the ultimate protection and peace of mind.
Compare travel medical insurance plans to find a policy that fits your needs or contact our Customer Success Team for friendly assistance.
