Best travel medical insurance for seniors over 50 years

Optional coverage for Adventure Activities

• Covers up to medical maximum
• The company will reimburse you for covered expenses up to the amount in the schedule of benefits resulting from an injury sustained while participating in any of the following activities:
  • Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.

Additional AD&D

• Purchase up to $100,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
• Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.

Athletic and Hazardous Activity Rider

• Provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
• For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
• For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
  • Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
  • High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .
• For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
  • Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo ; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
  • Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
  • High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Soccer.

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Crisis Response

• Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
• The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
  • Ransom
  • Crisis response fees and expenses
  • Reimbursement for personal belongings surrendered
• This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation.This upgrade increases the total Crisis Response benefit to $100,000.

Personal Liability Rider

• The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
  • Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
  • Accidental loss of or damage to a third person’s material property (up to $25,000)
  • Accidental loss of or damage to a related third person’s material property (up to $2,500)
• This upgrade increases your Personal Liability coverage from $25,000 to $100,000.

Please note the following:

• Partial cancellation is not permitted. If the named insured or any dependent cancels, the entire plan is cancelled for all persons.
• If multiple plans (ie plan numbers) are present in the same household, each must be cancelled separately. This situation may occur when one person is above age 70 and another is below age 70. A separate cancellation form, completed, with a separate cancellation fee, is required for each.
• A $25 Fee is required to process the form.

Crisis Response

• Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
• The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
  • Ransom
  • Crisis response fees and expenses
  • Reimbursement for personal belongings surrendered
• This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation.This upgrade increases the total Crisis Response benefit to $100,000.

Personal Liability Rider

• The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
  • Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
  • Accidental loss of or damage to a third person’s material property (up to $25,000)
  • Accidental loss of or damage to a related third person’s material property (up to $2,500)
• This upgrade increases your Personal Liability coverage from $25,000 to $100,000.

Hazardous Activities Rider

• Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.
• The following items will become covered with the purchase of the Hazardous Activities rider:
  • American Football
  • Big Game Hunting or Safari, Bungee Jumping, Hang-Gliding
  • Kite-Surfing
  • Mountaineering
  • Parachuting, Paragliding, Powerlifting
  • Running with the Bulls, Sky Surfing
  • Snow Skiing and Snowboarding
  • Spelunking, Sub Aqua Pursuits involving underwater breathing apparatus, Surfing
  • Waterskiing, Whitewater Rafting.

Intercollegiate/Interscholastic Sports

Provides an additional $50,000 coverage for those participating in intercollegiate or interscholastic sports. This rider is available for just an additional $2.00 per person, per day.

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Evacuation Plus Rider

• Available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary.
  • Non Life-threatening Medical Evacuation - Up to a maximum of $25,000
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