Traveling outside of US? Don’t forget travel insurance. Here are the best travel insurance for seniors.
And seniors tend to have medical conditions, so the risks involved while traveling abroad are high.
During a trip, a good travel insurance plan generally covers seniors against the following risks.
- Trip cancellations
- Baggage loss
- Acute onset of pre-existing conditions
- Medical emergencies
- Emergency Assistance
In this article…
Insurance for seniors against trip cancellations
Trip cancellations happen because of reasons beyond our control. Like bad weather conditions and other reasons. A good travel insurance plan for seniors will cover you against such uncertainties.
Insurance against baggage loss
Baggage loss/theft is covered by most good travel insurance plans. But make sure you read the fine print as there are limitations or maximum you can claims. The limit is usually per baggage.
Acute onset of pre-existing conditions for seniors
If you have a pre-existing condition and there is an occurrence of it during travel, you can claim insurance. Please read the fine print and check with your insurer on which conditions are included and not.
Insurance for seniors during medical emergencies
A good travel insurance policy will cover you against medical emergencies. This involves hospitalization, medicine expense etc.
This includes all emergency assistance services, including transportation and treatment. Please double-check the inclusions and exclusions in the policy fine print.
Where can you get the best travel insurance for seniors?
Online, on price comparison sites such as Insubuy, Visitorscoverage or Insuremytrip.
Most online insurance price comparison/review websites can offer policies at less price than agents or travel companies because they sell directly from the insurers/providers.
They also tend to offer better customer service before and after the policy purchase.
Best Travel Insurance Plans for Seniors
Here are the best travel insurance plans for seniors.
Travel Guard offers standard cancellation coverage, and features plans that cover pre-existing conditions (check fineprint) with full medical and emergency expenses incurred during the trip. Check out their plans here.
Allianz Travel Insurance
This company provides many flexible travel insurance plans for seniors traveling abroad. They’re very popular for offering amazing customer service, especially in the claims department. Check plans here.
How much does senior’s travel insurance cost?
Travel insurance costs anywhere from 8 – 1-0% of your trip cost.
Travel insurance is a must when you travel abroad. For seniors, who are prone to risks, there are plenty of insurance options. But choose well whom you buy insurance from. Most of the time, insurance looks good on paper, but it’s not a pleasant experience when you claim your expenses. Make sure you read the fine print in policy documents before purchase.
All the best!