Travel Insurance for Seniors

Medicare generally does not cover healthcare costs outside the United States, except in very limited circumstances. Medicare Part A may cover care in Canada or Mexico if you're closer to a foreign hospital than a U.S. facility during an emergency. For comprehensive international coverage, you'll need supplemental travel insurance specifically designed for seniors traveling abroad.

Many senior travel insurance policies offer pre-existing condition coverage if you purchase within 14-21 days of your initial trip deposit and meet stability requirements (typically 60-180 days with no changes to medications or treatment). Always fully disclose all conditions during the application process. Some policies offer "cancel for any reason" riders for additional flexibility.

Most travel insurance companies offer coverage for travelers over 65, though premiums increase with age. Some insurers may have upper age limits (typically 85-95 years) or require medical screenings for travelers over certain ages. Specialized senior travel insurance providers often offer coverage up to age 100. It's important to shop around and compare policies specifically designed for your age group.

Senior travel insurance typically costs 6-10% of your total trip cost, though prices vary based on age, destination, trip length, coverage limits, and health conditions. For example, a $5,000 two-week international trip for a 70-year-old might cost $300-500 for comprehensive coverage. Annual multi-trip plans can offer better value for frequent travelers. Always compare quotes from multiple providers.

Trip insurance covers non-medical issues like trip cancellation, delays, and lost baggage. Medical travel insurance covers emergency medical treatment, hospitalization, and evacuation abroad. Comprehensive policies combine both types of coverage. For seniors, comprehensive coverage is typically recommended as it provides the broadest protection, including medical emergencies which are more common as we age.

Always carry: your insurance card, policy number, 24/7 emergency contact numbers, a copy of your policy documents, a list of covered and excluded conditions, current medication list with dosages, doctor's contact information, and copies of recent medical records. Keep both physical and digital copies, and share emergency contact numbers with traveling companions or family members.