Best senior travel insurance plans for October 2021 – Forbes Advisor


1. Get good travel medical coverage

Travel medical coverage is especially important for the elderly, who may experience health problems while traveling. Medicare will not cover you when you travel outside of the United States.

“There are medical problems [when you travel]Notes Scott Adamski, US Field Sales Manager for AIG Travel.

Pay attention to what’s covered and don’t overlook dental benefits and coverage limits. Adamski also recommends looking at the support provided by the insurance company:

  • Are there doctors and nurses on staff to coordinate with you and manage the transfer of your medical records?
  • Does it have a team capable of providing translation services?

Seek out generous travel and emergency medical evacuation medical coverage. For example, Trawick International’s Safe Travels Voyager plan provides $ 250,000 per person in medical expenses and $ 1 million per person for emergency medical evacuations.

“We’re seeing a lot more trips and falls among the elderly and cardiovascular issues compared to younger travelers,” said Bailey Foster, vice president of travel cancellation for Trawick International.

And because seniors often travel for two months or more, complaints often relate to general well-being rather than an issue caused by travel, notes Foster.

Foster says the top travel medical claims for customers aged 65 and over come from:

1. Symptoms that cause travelers to seek medical attention such as pain, dizziness, collapse, cough, fever, shortness of breath, nausea, vomiting, etc.

2. General checks on a long trip to make sure all is well.

3. Cardiovascular problems

4. Joint and muscle problems

It’s not just the coverage, but the amount of coverage that matters. And this is especially true for senior travelers, says Jonathan Breeze, CEO of Aardy, a travel insurance market.

“At least $ 100,000 of medical insurance is a reasonable level of coverage,” he says. Not all policies provide this level. Most policies sold by cruise lines have minimal medical coverage, leaving cruise passengers woefully underinsured, he adds.

2. Lock coverage for pre-existing conditions

Most travel insurance excludes pre-existing conditions, unless you purchase a pre-existing medical condition exclusion waiver. And as many elders have pre-existing conditions, get this waiver is important.

“A travel insurance plan that provides coverage for pre-existing conditions is essential for seniors with underlying health conditions,” says Christine Buggy, vice president of marketing at Travelex Insurance Services.

You should generally add the waiver within two to three weeks of your first travel deposit. So don’t miss the window.

3. Check medical evacuation coverage

If you become ill or injured during your trip, medical evacuation cover will transport you to the nearest hospital. Some policies also organize transportation back home with the assistance of a medical escort if your condition requires it.

Getting you home safely, especially after a cruise or a remote location, can be expensive.

4. Consider “Cancel for Any Reason” coverage

Trip Cancellation Insurance will reimburse you if you need to cancel your trip for a reason listed in the policy. But what if your reason is not listed?

To cover all the bases there is “Cancel for any reason” coverage (CFAR). You can add it to a travel plan, but you usually need to add it within two to three weeks of your first travel deposit or you’ll lose the option.

CFAR will partially refund you (usually 50% or 75%) if you cancel for a reason that is not stated in the base policy, such as canceling because you have decided to attend the birthday party. grandchild or you just don’t want to go. travelling.

5. Consider an annual plan

Are you retired and planning to take several trips a year?

“If you’re retired and travel frequently, it’s a good idea to consider an annual plan,” says Daniel Durazo, spokesperson for Allianz Travel. “An annual plan offers significant cost savings over purchasing multiple single trip policies. It’s simple and affordable – you buy it once and get coverage for all the trips and travel emergencies you might face in a year.

Related: The benefits of annual travel insurance

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