Travel Insurance for Over 50’s

Travel insurance for over 50’s is a topic of increasing interest in a world where adults 50 and over are traveling more–and have more years left to live (well) than ever before in history.

While younger travelers may sometimes think of travel insurance as an unnecessary expense, taking out travel insurance is strongly recommended, especially for more mature adults. But regardless of your age or how often you travel, you should be covered for emergencies.

It’s impossible to avoid all risks when you travel. From the time before you board the plane (lost passport, a death in the family or some other emergency that causes a need for changing flights) to your time traveling abroad (or to another state or region) risks range from smaller (lost luggage) to bigger (such as a serious medical crisis).

It’s always better to be safe than sorry. This is why we are diving into the topic of travel insurance for over 50s, so that you can be armed with everything you need to know for a hassle-free trip. 

Read next: Have a look at these all-inclusive vacations for seniors for a much-needed getaway. 

Why Do You Need Travel Insurance?

Everyone can benefit from having travel insurance, as it protects you against travel risks you may not even be aware of. These include lost luggage, trip cancellations, and unexpected medical costs, among other things. Travel insurance plans can give you some peace of mind if natural disasters, flight cancellations, or delays interrupt your plans. 

Here Are Some Benefits to Consider: 

• Financial Protection: Travel insurance provides financial protection from unexpected costs, which is especially handy if you’re traveling on a stricter budget. 

• You won’t lose everything upon canceling your trip: Life is unpredictable, and sometimes you need to cancel your trip on a whim. By now, it’s well-known that cruises, hotels, and airlines often offer minimal to no refunds for abrupt cancellations. Travel insurance can provide an extra layer of protection against this — so you won’t have to lose the entire cost of your trip.   

• Medical emergencies can be costly abroad: Injuries and accidents can happen at any time while on vacation. To make matters worse, many health insurance policies do not cover your expenses in a foreign country. This is where travel insurance with emergency medical benefits comes in handy. 

• You don’t have to pay for costs relating to delays or interruptions: It’s very common for flights to run behind schedule and get delayed. With travel insurance, you’ll be refunded after losing money on prepaid costs or if you need to arrange unplanned accommodations and meals. 

Travel Insurance for Over 50s: Are There Age Limits for Travel Insurance?

Yes. Many travel insurance companies do not offer coverage for older, senior travelers. Generally, most policies have an age limit of 75 (sometimes even 65). 

Fortunately, there are travel insurance policies specifically designed for seniors. These companies or agencies can offer special discounts and benefits that you won’t find anywhere else. 

Other Travel Insurance Limits

Keep in mind that age is a factor that may influence travel insurance rates, but it’s not the only deciding factor, as health issues and pre-existing conditions also play a role.

The following things could also impact how much you pay for your travel insurance:

• Trip duration
• Nationality
• Destination
• Pre-existing medical conditions
• Type of trip such as cruises, group tours, etc. 

Read Next: How to meet people around the world. 

Best Travel Insurance for Over 50’s

Now that you know more about travel insurance, it’s time to look at which insurance providers will suit you the best. In this section, we suggest ones that are suitable for your age group as well as your country of residence. 

Travelner Insurance Agency

Rating: 4.8/5 on Trustpilot 

Age range: 65+

Country: International, U.S., South Africa, Australia

Travelner Insurance Agency is a global agency with a dedicated travel insurance plan for seniors. The agency prioritizes peace of mind for individuals 65 years old and above. For example, it offers a range of benefits tailored to the specific and unique needs of older travelers. 

Travelner covers trip-related issues such as delays, interruptions, cancellations, and lost luggage. Medical emergencies, eligible medical expenses, and costs relating to pre-existing conditions are also covered. The package cost depends on your needs and factors such as pre-existing medical coverage, trip duration, and destination.  

Allianz Travel Insurance

Rating: 4.3/5 on Trustpilot 

Age range: Up to 70 years

Country: International

Allianz Travel Insurance is an award-winning global company and an excellent option for our U.S., South African, Australian, and UK audiences. Assisting more than 55 million travelers with solutions for various travel-related problems, Allianz is a reliable and reputable option. 

That said, they are more pricey than their competitors and only cater to 70 year-olds and younger. But they offer great packages according to specific countries. For example, in South Africa, they provide Schengen Travel, Single Trip, and Annual Trip insurance. 

Additionally, they cover medical emergencies, cancellations, delays, and lost- or stolen property.  

IMG Travel Insurance Plans

Rating: 4.6/5 on Trustpilot

Age range: 65+

Country: U.S. 

IMG provides international health and travel medical insurance plans, and their GlobeHopper Senior Single-Trip is ideal for older travelers. Even 80+ year-olds can get a cover for trips outside the United States for up to 12 months. This temporary medical insurance plan covers home nursing care, surgery, emergency room costs, physician visits, and more. 

Globelink Travel Insurance

Rating: 3.8/5 on Trustpilot 

Age range: 66-89 years

Country: U.K., Ireland, Portugal and other European countries

Globelink has a Seniors Travel Insurance policy that covers over 50 pre-existing medical conditions. Additionally, they offer a 24/7 medical emergency helpline, and you don’t need to pay extra if you have diabetes, High blood pressure, and many other conditions. 

The standard policy is strictly for medical emergencies, but you can add travel insurance extras, including event cancellation and valuables coverage. 

Travelex Insurance Services

Rating: 4.1/5 on Trustpilot

Age range: 65+

Country: U.S.

Travelex has been a leading travel insurance provider for over 25 years, providing comprehensive medical protection and coverage for pre-existing medical conditions. Their Senior Travel Insurance is ideal for anyone older than 65 in need of one of the best insurance plans for seniors. 

Travelex offers complimentary travel and medical assistance available at any time from anywhere to help you with flight delays, stolen or damaged baggage, and more. 

Just Cover Travel Insurance

Rating: 4.8/5 on Trustpilot

Age range: All ages – 75+

Country: U.K., Europe

Get travel insurance with medical cover tailored to your health and age with the highly-rated Just Cover Travel Insurance. With no age limit to their services, Just Cover works with specialist insurers to provide high-quality and affordable travel insurance for people over 75. 

Their high-quality cover includes policies for hundreds of pre-existing medical conditions, including terminal prognosis. Overall, it’s an excellent choice for anyone with current or pre-existing medical issues. 

Trawick International Travel Insurance

Rating: 4/5 on Trustpilot

Age range: Up to 89-99 years old 

Country: International, U.S.  

Trawick International provides travel insurance coverage for U.S. and non-U.S. citizens. While they don’t have specific plans for seniors, their Safe Travels Outbound plan for U.S. citizens is for ages up to 99. Then, their Safe Travels International and Safe Travels International Cost Saver plans are eligible for anyone up to 89 years old. 

Founded in 1998, Trawick International is a highly trusted company that began offering travel insurance plans to a worldwide audience. Their coverages include trip cancellation, trip interruption, and travel medical insurance, among other benefits. Trawick International also offers 24/7 customer service and travel assistance. 

Frequently Asked Questions

If you’re still uncertain about a few things, these frequently asked questions can give you the answers you’re looking for. 

1. Why Is Travel Insurance More Expensive for Mature Travelers?

In most cases, travel insurance coverage for seniors (over 70) is much higher than that for younger citizens. This is because older individuals are at a higher risk of health issues and accidents while travelling. 

2. What Are the Different Types of Travel Insurance?

Most travel insurance plans cover a range of trip protections, such as medical emergencies, delays, cancellations, and accidental deaths. However, there are many types of travel insurance that cover only specific risks, such as:

• Trip cancellation and interruption coverage: Covers any cancellations or interruptions caused by sickness, bad weather, or a family emergency.

• Baggage and personal belongings coverage: This insurance covers lost, damaged, or stolen baggage and personal belongings.

• Emergency travel medical coverage: This covers medical expenses and injuries while traveling. It can also cover emergency medical evacuation and repatriation.

• Accidental death and dismemberment coverage: Provides financial protection in the case of your death or dismemberment while traveling. 

3. Where Can You Buy Travel Insurance?

Travel insurance is widely available, and it’s not just insurance companies that offer it. This insurance is available at banks, travel agents, holiday companies, retailers, supermarkets, and online comparison websites. 

Join the Freebird Club

Travel insurance sorted. Now, it’s time to ignite your wanderlust with a like-minded community. There’s something magical about meeting new people and sharing your travel experiences with others who can relate. This is why the Freebird Club exists: to be your gateway to new adventures and friendships.  

What’s next? Simply become a Freebird in six steps and live out your golden years as a seasoned globetrotter!