Table Of Content
You can also get a pre-existing medical condition exclusion waiver if you buy coverage within a certain period, usually within 14 to 21 days of your initial trip deposit. This means medical expenses related to pre-existing conditions that arise during your trip will be covered. A solid travel insurance policy can safeguard your trip investment if delays and emergencies derail your trip. You’ll also want a policy that provides robust travel medical expenses and coverage for pre-existing conditions.
Emergency Evacuation Coverage
This plan not only provides a decent amount of coverage in all categories, but it also features a $0 deductible for medical expenses. Getting coverage for pre-existing conditions is especially important at this age. If you have any kind of long-term health condition, be sure to purchase travel insurance for pre-existing conditions because, unfortunately, not every travel insurance offers this type of coverage. Without it, you’ll receive trip cancellation reimbursement only if you cancel for a reason listed in the base policy, such as an illness or injury that forces you to abandon travel plans. “Cancel for any reason” coverage will give you the option to cancel for reasons like a sudden fear of flying or simply changing your mind.
What is the best travel insurance for seniors over 65?
Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip won’t be covered. HTH Travel Insurance is renowned for its specialized coverage for travelers with pre-existing medical conditions. For seniors who may have health concerns, this insurance can be a lifesaver.
Benefits of travel insurance for seniors
We requested quotes from multiple travel insurance companies for a 10-day trip to Madrid in July 2023. Our hypothetical traveler is a 65-year-old man from California who is spending $8,000 for the trip. You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries. Before you purchase cruise insurance from a cruise line, compare your third-party options.
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We also like its optional add-on coverage choices, which include sports equipment rental coverage, event ticket coverage and rental car coverage. For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage. As the golden years approach, many seniors embrace the freedom to explore the world and create cherished memories through travel.
Their Atlas Journey Economy plan includes good coverage in all categories, a $0 deductible, and COVID-19 coverage. Although some of the best travel insurance companies may offer general travel plans that cover cruises, some companies also sell specific policies for these kinds of trips. Both of these plans include up to 75% optional CFAR coverage, 75% optional trip interruption-for-any-reason (IFAR) coverage, missed tour or cruise connection compensation and emergency dental protection. You should buy a travel insurance plan shortly after you book your flights, lodging, and activities.
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Hurricane coverage
Here are the best senior travel insurance plans based on our ratings of two dozen travel insurance policies. Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan, which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage. It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage. Many travel insurance plans give you a pre-existing medical condition exclusion waiver if you buy the plan within two to three weeks after your first trip deposit. This is one of the advantages to buying travel insurance shortly after you book your trip.
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Other Senior Travel Insurance Companies We Rated
Additionally, policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.
Out of all the plans I compared, Trawick’s Safe Travels First Class plan offers the highest amount of coverage in all categories. Even better, it also includes cruise coverage and pre-existing condition coverage (as long as the plan is purchased within 14 days of your initial trip deposit). You can find travel insurance plans with up to $1 million in coverage for emergency medical evacuation. The plan comes with $150,000 per person in emergency medical expenses and $1 million per person in medical evacuation coverage. You’ll also get $2,000 per person in baggage loss coverage and $1,000 per person for missed connections (cruises and tours only). This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year.
Our analysis has found that WorldTrips, Nationwide and TravelSafe Insurance are the best cruise insurance companies. Some policies cover children for free as long as they’re under a certain age and accompanied by an adult. For example, the Allianz One Trip Premier plans cover children age 17 and under if they’re traveling with a parent or grandparent. Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance. Cruise insurance isn’t much different than traditional travel insurance. Any good travel insurance should cover cruises in addition to travel by air or car.
It’s important to consider whether your destination is domestic or international when buying a travel insurance policy. If you’re traveling to a different country instead of staying in the United States, robust health care coverage is essential. Medicare and most private medical insurance plans typically don't cover medical services outside the U.S.
Learn more about travel insurance costs in our guide to the average cost of travel insurance. You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself. Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies. This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers.
World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations. Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. Keep reading our step-by-step guide on finding the best cruise insurance for seniors.
If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips. Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market.
As an older adult, you may look forward to traveling the world when you retire. Whether taking a single trip or traveling extensively, health concerns and sickness can derail even the best plans. Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs.
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