Traveling abroad is exciting and memorable. If going just for fun or for business, as a senior, it is prudent to ensure that in the event a medical emergency or other travel related issue arises, adequate preparation before setting out has already been done. Travel insurance for seniors is essential, and fortunately, many plans exist that for the most part, allow for peace of mind while traveling. Understanding limitations, coverage, and cost top the list of the most important aspects of travel insurance. In the following Question and Answer session, learn more about the Top 3 Travel Insurance Plans for Seniors, which are Tin Leg’s Luxury Plan, RoamRight’s Adventure Plan, and TravelEx’s Travel Select Plan. These three plans have the highest review ratings, with Tin Leg and RoamRight earning a perfect five-star rating from customers and TravelEx with a solid four-rating.
The quick answer is yes, but with some restrictions. Full reimbursement requires the trip is canceled before departure for a covered, unforeseen reason. Also, coverage includes cancellation of the trip due to the death of a traveling member before departure. The reimbursement also includes the amount of unused non-refundable prepaid payments or deposits made before departure.
The provision for trip interruption provides reimbursement for non-refundable trip payments and deposits for illness, death, or another unforeseen circumstance. Unforeseen circumstances include in addition to that stated above, sickness or injury that occurs during the trip and requires medical treatment. A physician must certify that the medical condition is such that the resulting disability prevents further participation in the trip.
Severe weather events usually fall under the trip interruption category. Bear in mind that certain restrictions apply. The most significant limitation is that the policy must be in force before the storm is named. If not, coverage is not provided. Another restriction is that the affected traveler is delayed a certain length of time to be eligible for coverage.
The RoamRight Adventure Plan provides benefits for covered medical expenses occurring during the trip, with maximum benefits capped at $50,000 for emergency services, subject to a $50 deductible. An additional benefit of $750 for dental expenses is included. The Travelex Travel Select plan coverage offers the same benefits as RoamRight Adventure Plan but without the deductible. Dental coverage carries the same maximum benefit as medical. The Tin Leg Luxury Plan pays benefits up to $500,000 for medical and $750 for dental coverage within 12 months of an accidental injury.
Typically, coverage of pre-existing conditions requires certain criteria before coverage begins. For example, a provider may provide coverage if a policy is purchased by a certain date, and others may require a waiting period before applying coverage. It is always best to refer to the policy summary for specific details.
Medical deductibles represent an amount of money paid by the insured to the medical provider before insurance coverage begins to pay. The RoamRight Adventure Plan requires a $50 medical deductible for emergency accident and sickness expense, and the Tin Leg Luxury Plan and the TravelEx Select Plan have no medical deductible.
In an emergency or life-threatening medical situations as determined by the local attending physician, coverage provides for customary and reasonable costs for transport to the nearest hospital capable of providing proper care.
Yes, a 24-hour hotline provides many services in addition to medical referral and monitoring. Other services include emergency cash, a message center, legal help, and repatriation to mention only a few. Please contact your specific provider for complete details about additional services and coverages.