Finding Peace of Mind
For seniors with existing health conditions, finding the right plan can take some extra effort, but it’s worth it for a safe, stress-free trip.
Why Get Travel Insurance?
Travel insurance for seniors with medical needs helps in many ways, such as:
- Medical expenses: Covers hospital and doctor visits if you get sick or hurt.
- Prescription costs: Helps pay for medications you may need on your trip.
- Trip cancellations or delays: Covers expenses if your plans change because of illness or emergencies.
- Emergency transport: Pays for an ambulance or even a flight to bring you home if needed.
Getting Travel Insurance with Health Conditions
Finding travel insurance with medical conditions is possible! Here are some tips to make it easier:
1. Look for Senior-Specific Plans
Some companies specialize in travel insurance for seniors. These plans often cover common health concerns like high blood pressure, diabetes or heart issues. Look for plans that mention “pre-existing condition coverage" to see if your health issues are included.
2. Check if Your Health Condition is Covered
Insurance companies often ask questions about your health when you apply. Be honest about your health, as not doing so could cause problems if you need to make a claim later. Make sure your plan will cover any treatments you might need while away.
3. Look for a “Pre-Existing Condition Waiver"
A pre-existing condition waiver can make it easier to get covered for health issues you already have. Some companies offer this option if you buy your insurance shortly after booking your trip, often within 10–21 days. It’s a good choice if you’re managing a chronic condition, like asthma or heart disease, but want peace of mind while you travel.
4. Compare Different Plans
Comparing plans is the best way to find one that meets your needs. Some insurance companies have online tools to help you compare coverage and prices. Check out the cost, coverage limits and any extra benefits for seniors, like help with medical equipment or emergency calls to doctors.
Choosing the Right Travel Insurance Plan
When choosing a plan, here are some important things to consider:
Medical expense limit: Look for plans with a high limit on medical costs. Some may cover up to $100,000 or more.
Emergency evacuation: Make sure the plan covers emergency transport if you need to be flown back home.
24/7 assistance: Choose a plan with 24/7 helpline access so that you can get help in any time zone.
Prescription coverage: Check if your plan will pay for lost or stolen medications.
Top Travel Insurance Options for Seniors with Health Conditions
Some popular travel insurance providers that offer plans for seniors include:
- Allianz Travel Insurance: Known for covering a wide range of medical needs.
- Travel Guard by AIG: Offers pre-existing condition waivers and high medical expense limits.
- MedjetAssist: Focuses on medical transport and emergency evacuation.
- InsureMyTrip: A site where you can compare different plans and see which one covers your specific needs.
Other Tips for Safe Traveling
- Bring extra medication: Pack more than you need in case of delays.
- Have medical information handy: Bring a list of your conditions, medications and doctor contact information.
- Talk to your doctor first: Let your doctor know your travel plans and ask for advice on staying healthy.
Enjoy Your Trip with Confidence
With the right travel insurance, seniors with health needs can enjoy travel with more peace of mind. Taking time to compare plans and look for pre-existing condition coverage can make your trip easier and help you stay protected.