Best travel insurance for US seniors

International travel insurance for seniors is designed to cover eligible medical expenses incurred while traveling outside the United States. Since Medicare does not provide coverage abroad, this type of insurance is important for seniors to protect themselves against unexpected medical emergencies during their international trips.

It offers coverage such as hospitalization, surgery, urgent care visits, and medication related to a new illness or injury that arises while traveling abroad. Additionally, these plans often cover emergency medical evacuation and repatriation, ensuring that seniors are properly cared for if they require specialized medical treatment or transportation back to the U.S. This short-term health insurance plans fills the gap left by Medicare ensuring peace of mind for seniors during their travels abroad.

While some US seniors travel insurance plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. However one must buy the 'cancel for any reason' as an add on option. There are different reasons why one would cancel their trip. Trip cancellation insurance has a list of legitimate reasons for cancelling a trip which are covered under the trip cancellation benefit. The Cancel for any reason benefit is an add-on benefit and would offer coverage for canceling the journey for any reason and it will refund up to 75% of the non-refundable trip expenses.

The Safe Travels Advantage insurance plan offers affordable travel insurance for seniors. For a 60-year-old traveler, the monthly cost starts at $39, with a $0 deductible and a policy maximum of $25,000. The price may vary depending on the traveler’s age, plan maximum, and deductible.

• Medical Coverage: Senior citizens are often more vulnerable to health issues, and senior citizen travel insurance plans provides coverage for unexpected medical emergencies, including hospital stays, doctor visits, surgeries, and medications.
• Emergency medical evacuation: If a senior traveler requires specialized medical treatment unavailable at their destination, the policy will cover the costs of emergency evacuation to the nearest medical facility or even back home, ensuring immediate access to proper care.
• Coverage for pre-existing conditions: Some policies may offer coverage for the acute onset of pre-existing conditions, which is important for seniors who may have existing health issues. This helps ensure they receive medical care in the event of an emergency.
• Trip Cancellation and Interruption Protection: If a senior citizen needs to cancel or cut short their trip due to illness, injury, or an emergency, travel insurance can provide reimbursement for non-refundable trip expenses, reducing financial losses.
• Lost or Delayed Baggage: Insurance can help cover the costs of replacing essential items if baggage is lost, delayed, or stolen during travel, making it more convenient for seniors to manage without worrying about unexpected expenses.
• Repatriation of Remains: In the unfortunate event of death during travel, the policy covers the repatriation of remains back to the home country, offering peace of mind to the family.

You can compare quotes on AmericanVisitorInsurance and buy the best senior citizen travel insurance that fits your needs. For more details, please contact us at (877)-340-7910 or email us, and one of our licensed agents will be happy to assist you.

Visitor travel health insurance plans never cover regular, required medical care for a chronic condition. For example, if a traveler takes medication regularly or requires treatment like dialysis, those things will have to be paid for out of pocket by the traveler and should be calculated into the cost of their trip.

If medications are lost or stolen and need to be replace, that will require a doctor visit to get a prescription and then the purchase at the pharmacy all of which would have to be paid for by the insured. If the concern is for a sudden, unexpected flare up with a chronic, pre-existing condition, then there are a few plans which will cover that, but they are quite expensive and must be purchased for at least 90 days. Note also, that those plans also must be purchased BEFORE the travel begins and cover only travel to the US (some include Canada and Mexico).

It depends. It depends primarily on where you are traveling to. For travel to Europe, some are required to purchase travel health insurance and many European countries only require $50,000, so that should be enough for travel to those countries. In other countries, like the US, Canada, and Japan costs are rising and one may want a higher amount of coverage if traveling there. The amount that is available for purchase depends on the age of the traveler, so the choice of maximum should be made depending on availability and destination of the traveler.

Typically not. First of all, travel insurance is only for unexpected medical illness or injury. There are many medical expenses which may be desired (teeth cleaning or check, wellness check, immunization) which will not be covered. We sell two types of policies: fixed and comprehensive plans. The fixed plans have limited coverage to a set amount or cap. If you are charged more than the policy allows for a specific medical expense, then you will have to pay the difference.

A comprehensive plan is more complete, but there is a deductible that must be paid before the insurance pays out any amount and often there is coinsurance to pay after, although this is usually limited to 20% of the first $5000. So, with a comprehensive plan, you can calculate an out of pocket maximum that you would have to pay (deductible + coinsurance) which needs to be paid only one time. While you can choose a $0 deductible on a comprehensive plan, we don’t recommend that since that will cost you significantly more than putting even a small deductible on the policy, but that is up to each customer’s choice and comfort level.