As you reach the golden years of your life travel should become more frequent, not rarer. When you retire, you’ll have the time you’ve always dreamed of to complete your bucket list. We recommend traveling as much as you can while you are able. To ensure you have enjoyable and safe travels, we suggest choosing the travel insurance for seniors for your international coverage. To make this easier, we are here to help you identify just what type of international insurance you will need and how to purchase it.
What Coverage Do I Need as a Senior Traveler?
It’s important to review your health before purchasing travel medical insurance for seniors. To know exactly what kind of senior travel insurance you will need, you should review your current health conditions, activities you will be participating in during travel, and length of travel. Some countries have reciprocal healthcare arrangements with other nations, although sometimes costs are higher, depending on the country. Generally, emergency health care is not covered by Medicare or other health plans so that you will need travel insurance. All of these points should be considered when shopping for senior travel insurance.
Read: Travelsurance Overview
What Are the Best Travel Insurance Plans for Seniors
Based on our research and experience, the comparison of senior travel insurance plans below are the best plan options for seniors traveling abroad. We have categorized the options based on age, citizenship, and budget.
|U.S. Citizens||Internationals||U.S. Citizens||Internationals|
|Age 65-69||Voyager Choice||Atlas Travel||Voyager Choice||Liaison Elite|
|Cost Per Day||$5.43||$4.11||$5.23||$5.72|
|Age 70-74||GlobeHopper Senior||Atlas Travel||Voyager Choice||Liaison Elite|
|Cost Per Day||$7.13||$6.29||$8.37||$11.07|
|Age 75-79||GlobeHopper Senior||Atlas Travel||Voyager Choice||Liaison Elite|
|Cost Per Day||$7.13||$6.29||$14.65||$11.07|
|Age 80+||GlobeHopper Senior||Atlas Travel||Voyager Choice||Liaison Choice|
|Cost Per Day||$12.50||$11.70||$14.65||$10.58|
† Cost Per Day is for the lowest medical maximum available with a $250.00 deductible.
†† To purchase GlobeHopper Senior, you must be qualified for Medicare and actively enrolled in Medicare Parts A & B and a Medicare Supplement plan; or actively enrolled in a Medicare Advantage Plan.
††† To purchase Voyager Choice, you must be concurrently covered by a primary health plan in the U.S.
Do you need comprehensive coverage for living abroad, visit: Expatriate Insurance for Seniors Retiring abroad
Travel Insurance for over 60-Year-Olds
- $1,000,000 up to age 70
- $50,000 or $100,000 up to age 80
- $10,000 if you are 80 or older.
Many plans limit the maximum benefit amount to $10,000 or $50,000 after age 70. The Atlas plan provides a higher amount of coverage for travelers up to age 80.
Why GlobeHopper Senior
- Non-Emergency Medical Evacuation
- Felonious Battery (where the client is the victim)
- Inter-Facility Transportation
And for travelers age 70 or older, additional medical maximums are available.
Benefits of Overseas Travel Medical Insurance for Seniors?
As a senior traveling overseas, you may already have some health issues or medication that you must monitor daily. If you have travel insurance and are injured or become sick while on vacation, travel insurance will cover the policyholder. It is also important to know that Medicare does not cover healthcare services outside the U.S. and its territories. (There may be exceptions to this when it comes to Medicare benefits in Canada and Mexico, but only in certain circumstances.) Overseas Medical Insurance will make sure you are covered for any sudden injuries or accidents, but it will also ensure compensation if you need to interrupt your trip.
Senior travel insurance will provide you with security that will allow you to enjoy your trip without comfort knowing you have coverage in place for emergency illness and sickness.
Best Trip Insurance for Seniors Traveling Abroad
Trip cancellation coverage provides the same great coverage found in a senior travel insurance plan along with the additional benefit of covering your travel costs should you have to cancel your trip. We offer two specific plans offering this coverage: