Travel Without the Worry
Did you know that out-of-country emergency medical evacuation can cost up to $50,000? Medicare doesn’t cover emergency medical expenses abroad, so ensure that you are covered with a travel insurance plan. This article will cover five of the best travel insurance plans for seniors so that you can rest assured that you have insurance coverage in an emergency.
1. International Medical Group iTravelInsured SE
International Medical Group is an award-winning provider of global travel insurance. Their iTravelInsured SE plan is one of the best travel insurance plans for seniors. Their plan is budget-friendly and covers both domestic and international travel, as well as cruises, tours, and family travel for trips up to 90 days long.
What Does this Plan Cover?
Medical Coverage
- $250,000 in medical coverage.
- $500,000 in emergency medical evacuation.
- Pre-existing condition waiver is available.
- Accidental death or injury causing loss of limb(s) coverage of $25,000.
Trip Delay, Interruption, or Cancellation
- Trip cancellations up to 100% of trip cost.
- Trip interruption benefit of 150% of trip cost.
- Travel delay coverage of up to $2000 after a delay of over 12 hours.
Global Assistance and Other Benefits
- 24/7 Emergency Travel Assistance.
- Coverage for rental car damage, kennel fees, movie rentals, and internet usage.
What is the Cost?
The cost of each plan will vary depending on your age, the length of your trip, and your destination. Get a quote from International Medical Insurance.
2. John Hancock Gold Plan
John Hancock has been a trusted insurance provider for decades, and their Gold Plan is an excellent option for senior travel insurance. This plan offers comprehensive insurance coverage for accidents, illnesses, or injuries – including high rates for medical evacuation. The Gold Plan has you covered whether you are traveling domestically or internationally for your vacation or cruise.
What Does this Plan Cover?
Medical Coverage
- Emergency medical expenses up to $250,000.
- Pre-existing conditions waiver.
- Air Ambulance up to $1 million.
- Emergency medical evacuation and repatriation of up to $1,000,000.
Trip Delay, Interruption, or Cancellation
- Trip cancellation up to 100%.
- Trip interruption up to 150%.
- Travel delay of $200 per day up to $1000 for delays of 3 or more hours.
Global Assistance and Other Benefits
- 24/7 emergency travel assistance.
- Missed connection, airline ticket change fee coverage.
What is the Cost?
The cost of each plan is determined based on your age, gender, travel destination, and travel dates/length of the trip. Get a personalized quote and find out more information.
3. Allianz AllTrips Prime
Allianz is a leader in travel insurance, and its AllTrips Prime plan is one of the top travel insurance plans for seniors who travel three or more times per year. This multi-trip insurance plan offers 365 days of coverage. For higher coverage rates, you can upgrade to their multi-trip premier plan. Allianz also has single-trip insurance options.
What Does this Plan Cover?
- Emergency medical coverage up to $20,000.
- Emergency medical transportation up to $100,000.
- Travel accident coverage up to $25,000 in case of death, loss of limb(s), or sight.
- Pre-existing medical condition coverage is available.
Trip Delay, Interruption, or Cancellation
- Trip cancellation up to $3000.
- Trip interruption up to $3000.
- Travel delay of up to $600.
Global Assistance and Other Benefits
- 24-hour hotline assistance.
- Rental car damage and theft coverage $45,000.
What is the Cost?
Rates vary depending on your age, state of residence, and the dates you require coverage. Get a quote today.
4. Nationwide Essential
Nationwide has insured Americans for decades, and their Essential travel insurance plan is a great option for senior travel on a budget. This plan covers single-trip travel and offers comprehensive insurance coverage for medical emergencies, travel disruptions, and damage or loss of luggage.
What Does this Plan Cover?
Medical Coverage
- Accident and sickness emergency medical coverage up to $75,000.
- Emergency medical transportation and/or repatriation of remains up to $250,000.
- Pre-existing condition waiver is available.
Trip Delay, Interruption, or Cancellation
- Trip cancelation up to $10,000.
- Trip interruption up to 125% of trip costs (up to $12,500).
- Trip delay of $150 per day up to $600 for travel delays of more than 6 hours.
Global Assistance and Other Benefits
- Travel assistance is available.
- A rental car collision or loss coverage is available with an additional premium.
What is the Cost?
The cost of plans will vary depending on your age, gender, trip destination, and travel dates/length of your trip. Find out more information or call 877-970-9059.
5. Travel Insured International - Worldwide Trip Protector Plan
Travel Insured International is one of the most popular travel insurance plans for seniors traveling abroad. While they boast lower rates for their travel insurance plans, they also have lower medical coverage rates. However, the Worldwide Trip Protector Plan has many add-on options, like electronic equipment coverage and itinerary change coverage.
What Does this Plan Cover?
Medical Coverage
- Accident and sickness medical expenses up to $100,000.
- Medical evacuation and repatriation of remains up to $1,000,000.
- Accidental death and dismemberment up to $10,000.
Trip Delay, Interruption, or Cancellation
- Trip cancellation up to 100% of trip cost.
- Trip interruptions up to 150% of trip cost.
- Travel delay up to $1500, max $200/day for delays over 3 hours.
Global Assistance and Other Benefits
- 24/7 travel assistance.
- Tons of add-ons for features like cancel for any reason, travel inconvenience, coverage for electronic equipment, etc.
What is the Cost?
The cost of plans will vary depending on your age, gender, trip destination, and travel dates/length of your trip. Learn more about Travel Insured.
In Conclusion
Knowing your insurance options and choosing the right senior travel insurance plan is an important step in your trip-planning process. It can protect you from unexpected medical costs while traveling and allows you to relax knowing that you can bring back memories – not thousands of dollars of medical bills. Spend less time worrying about the “what-ifs" and more time enjoying your holiday!