Insurance is crucial for senior travelers, and not all travel insurance companies provide this coverage.This is because insurance companies consider older travelers to be at higher risk than younger travelers. While some travel insurance companies offer travel insurance to seniors, what are the best senior travel insurance companies?
When determining travel insurance rates for seniors, insurance companies consider different factors like medical history, age, gender, etc. Because of the high risk of insuring senior travelers, they may face higher insurance rates and quotes. Finding the best travel insurance for seniors can help them find the best affordable coverage as well as insurance rates.
Aside from general travel insurance coverage, senior travelers need to get travel health insurance and emergency medical insurance coverage to cover medical-related expenses. However, in this write-up, the best travel insurance for seniors will be stated to guide you.
Best Senior Travel Insurance Companies
There are different best senior travel insurance companies you can select from. These insurance companies include
PrimeCover
This insurance company has the best benefit limits for important travel coverage types. They also offer short waiting periods, outstanding evacuation coverage, and a large range of different benefits. This senior travel insurance offers travel medical coverage that allows seniors to select what hospital they want instead of any nearby treatment center. Aside from this, PrimeCover senior travel insurance offers 200% reimbursement for trips, which is much better than other travel insurance companies.
Seven Corners
Seven Corners is one of the best senior travel insurance companies, which offers lower average travel insurance prices along with top-rated insurance policies and exceptional benefits. This travel insurance company offers different additional insurance coverage choices like event ticket coverage, sports equipment coverage, and rental car insurance coverage. With this car insurance company, seniors are allowed to cancel and interrupt their coverage for any reason.
Tin Leg
Unlike other senior travel insurance companies, this company offers competitive insurance prices as well as excellent medical benefits. They offer excellent travel medical expense coverage limits as well as medical evacuation coverage limits. Its benefits make it a good option for senior travelers.
Travel Insured International
If you are in search of the cheapest travel insurance company that insures both you and your pet, Travel Insured International is a good choice to consider. It offers cheaper average insurance costs as well as coverage for pets during your trip. It also offers benefits up to 500% if your trip ends three hours or more before your planned date.
USI Affinity
This senior travel insurance company offers the best top-level benefits, which include outstanding evacuation and medical expenses. They also offer competitive average costs and excellent coverage limits.
Nationwide
For seniors in search of luxury insurance plans, Nationwide offers the best travel insurance coverage with excellent evacuation benefits at a good price. It offers $1,000 in excellent baggage benefits for each person after a six-hour delay.
FAQs:
What is the most important travel insurance coverage for seniors?
Seniors need to have travel medical insurance and emergency medical evacuation coverage in their travel insurance policy. This coverage is important if they intend to travel from one country to another. When selecting this coverage, it is important to select medical or emergency coverage with higher maximum limits to give wider coverage.
Can Seniors Save Money on Travel Insurance?
Comparing different travel insurers to find the cheapest insurance coverage is one of the many ways seniors can save on travel insurance. In cases where you want much lower travel insurance, you can choose to purchase travel medical insurance coverage only or other non-medical travel insurance coverage. However, keep in mind that it is important to ensure non-refundable and prepaid parts of your travel in case of any unforeseen event.
Does Travel Insurance for Seniors Cover Pre-existing Conditions?
Yes, travel insurance covers pre-existing conditions if you purchase pre-existing medical condition exclusion additional coverage. This insurance coverage only lasts between 14 and 21 days after depositing your travel. Also, this coverage will last if you insure the complete non-refundable expenses of your travel. While there is pre-existing condition insurance coverage, there are some conditions not covered. These pre-existing conditions include anxiety, depression, Alzheimer’s disease, dementia, and other illnesses and injuries that are alcohol- or drug-abuse-related.
