As we age, traveling becomes more and more of a cherished pastime. However, as we grow older, our health needs and risks change as well, making travel insurance for seniors an essential consideration. If you’re over 70 and planning to travel soon, it’s important to find the best travel insurance policy that meets your specific needs.
In this article, we’ll discuss what to look for in travel insurance for seniors and which policies are the best for those over 70.
Why do seniors need travel insurance?
Seniors may have pre-existing medical conditions or face higher health risks due to their age. This makes them more susceptible to travel-related issues such as unexpected medical emergencies, trip cancellations, and lost or stolen luggage. In addition, seniors may require specific coverage options, such as emergency medical evacuation or repatriation.
What to look for in travel insurance for seniors
When searching for travel insurance, seniors should consider the following factors:
1. Age limits – Some travel insurance policies have age limits, typically ranging from 65-75 years old. It’s important to find a policy that covers travelers over 70.
2. Pre-existing conditions – Seniors with pre-existing medical conditions should look for policies that cover these conditions or offer a waiver for exclusion.
3. Medical coverage – Look for policies with high levels of coverage for medical expenses, emergency medical evacuation, and repatriation.
4. Trip cancellation/interruption coverage – Consider policies that cover trip cancellations or interruptions due to unforeseeable circumstances such as illness or inclement weather.
5. Luggage and personal effects coverage – Look for policies that provide adequate coverage for lost or stolen luggage and personal belongings.
Best travel insurance policies for seniors over 70
1. Allianz Global Assistance – Allianz offers several travel insurance plans for seniors over 70, including their OneTrip Premier Plan, which provides up to $100,000 in emergency medical coverage, $1 million in emergency medical transportation, and trip cancellation/interruption coverage of up to $50,000.
2. Travel Guard – Travel Guard offers a variety of plans for seniors over 70, including their Platinum Plan, which provides up to $1 million in emergency medical coverage, $1 million in emergency medical transportation, and trip cancellation/interruption coverage of up to $100,000.
3. Seven Corners – Seven Corners offers customized travel insurance plans for seniors over 70, including their Liaison Elite Plan, which provides up to $5 million in emergency medical coverage, $1 million in emergency medical evacuation, and trip interruption/cancellation coverage of up to 100% of insured trip cost.
4. InsureMyTrip – InsureMyTrip is not an insurance provider but rather an online marketplace that allows you to compare policies from different providers. They offer a variety of options specifically for seniors over 70, making it easy to find the best policy for your needs.
Is there an age limit on travel insurance?
Yes, there is typically an age limit on travel insurance policies. The age limit varies depending on the policy and the insurance provider, but it is common for the maximum age to be between 65 and 85 years old. Some travel insurance policies may also have additional age restrictions or requirements, such as a medical examination or higher premiums for older travelers. It’s important to review the policy terms and conditions carefully before purchasing travel insurance to make sure that you are eligible for coverage and understand any limitations or exclusions that may apply.
Conclusion
Travel insurance is essential for seniors planning to embark on trips, especially those over 70 years old. Finding the right policy can be overwhelming but considering factors such as age limits, pre-existing conditions, medical coverage, trip cancellation/interruption coverage, and luggage coverage can help make the process easier. Companies like Allianz Global Assistance, Travel Guard, Seven Corners, and InsureMyTrip offer policies tailored to senior travelers, making it easy to find the best policy for your specific needs. By taking the time to research and purchase the right travel insurance policy, seniors can travel with peace of mind knowing they are protected against unexpected events.
