Because Original Medicare rarely covers care abroad, travel insurance protects seniors from large overseas medical bills and lost trip costs.
What does travel insurance cover for seniors?
A senior travel plan typically combines emergency medical and dental, medical evacuation and repatriation, trip cancellation and interruption, trip delay, and baggage protection. Medical and evacuation benefits are the most important for travelers 65 and older, since a single overseas hospitalization or air ambulance can cost six figures. Comprehensive plans also reimburse prepaid, non-refundable trip costs if you must cancel for a covered reason. Limits and exclusions vary by carrier, so always review the certificate of insurance. Call 1-800-MEDIGAP at 1-800-633-4427 to understand which benefits you actually need for your trip.
How much does it cost?
Travel insurance generally costs 4%–10% of your total prepaid trip price, according to the U.S. Travel Insurance Association, though seniors pay toward the higher end because age raises the likelihood of medical claims. Destination, trip length, trip cost, your health, and any pre-existing condition waiver all affect the premium. A medical-only plan costs far less than a comprehensive cancellation plan. The only accurate way to learn your cost is to compare quotes side by side, which our team can help arrange.
How do I get the right plan?
Decide between comprehensive and medical-only coverage, confirm the medical and evacuation limits fit your destination, and buy early enough to qualify for a pre-existing condition waiver — usually within 14–21 days of your first deposit. Check the maximum issue age and read exclusions for activities and chronic conditions. Comparing a few reputable carriers protects you from overpaying. The licensed specialists at 1-800-MEDIGAP, 1-800-633-4427, can explain your options and match a plan to your travel plans.