Travel insurance is a must for seniors who enjoy seeing the world. A good travel insurance policy does more than protect you from trip cancellations—it also offers protection from lost baggage, identity theft and much more. Primary coverage begins with the first $1.00 spent, and policies can be purchased on an as-needed basis, before departing on trips. Secondary policies cover additional costs once primary coverage is used. We’ve evaluated travel insurance plans from top providers to bring you our favorite policies for seniors. These travel insurance plans were chosen for their affordability, age, coverage and cost. If you’re a senior who is about to book travel, you should first check out these highly rated travel insurance policies.
Top 5 Travel Insurance Plans For Seniors
- CSA Travel Protection
- CSA Custom
- Roamlight
- Tim Leg Travel Insurance
- Travelex
- Travel Guard
CSA Travel Protection
CSA Travel Protection offers a 10-day free review. The policy can be cancelled within 10 days. CSA Travel Protection also offers on demand medical care including Teladoc with no additional expenditures. Teledoc uses telephone/videoconferencing to provide remote care.
Highlights:
- Travels have a grace period to reconsider.
- Teladoc provides instant access to doctors around the world.
- Coverage provided for pre-existing medical conditions.
CSA Custom
CSA Custom offers cost-effective travel policies. This option offers travel cancellation, interruption and connection coverage. Included in the plan are medical, dental, baggage and transportation coverage. Concierge services are also available to assist with a variety of benefits, including services for your pet. 24/7 help is also available. There are also state specific coverages and quotes available.
Highlights:
- Customimze your travel insurance with regional coverage benefits.
- Highly affordable.
- Wide range of benefits including trip cancellation.
Roamright
Roamright offers unique coverage that is popular for seniors. The medical insurance and trip protection plan give seniors access to emergency medical needs and trip plans. Trip plans cover cancellations and interruptions. Roamright offers a money back guarantee to evaluate the policy after purchase. Roamright also has 24/7 assistance and options for seniors. If you travel with a companion, the policy can also have different benefit levels. There’s also Roamright Preferred travel insurance, which has features including AD&D, interruption insurance, and trip delay. If the policy is purchased within 21 days of your trip deposit, the insurance is refundable. You cannot be disabled from travel at the time of policy purchase. Roamright Preferred has expanded policy limits, a certificate of insurance and free quote are available on the internet.
Highlights:
- Prefered plans feature accidental death & dismemberment coverage.
- 24/7 customer assistance.
- Seniors get access to emergency medical services while abroad.
Tin Leg Travel Insurance
Tin Leg travel policies assist when you need to stop your trip before it starts. Medical expenses add up, when immediate medical attention is required. The Tin Leg Luxury policy has a high $500,000 primary emergency medical coverage. Tin Leg policy details show an A+ rating by A.M. Best. If the policy is purchased within 14 days of booking the trip, pre-existing conditions are covered. There is also an option for policy cancellation for any reason. Coverage includes travel delays, baggage, cancellations and interruptions.
Highlights:
- Grants $500,000 in medical coverage.
- Pre-existing conditions are usually covered.
- Free quotes available on the company’s website.
Travelex
Travelex offers primary insurance policies with benefits of paying claims first, and has 24-hour assistance. Trip cancellation and interruption are great assets in addition to customized options and prices for senior citizens. The Travel Select brochure shows many options for seniors. The plan includes trip cancellation, interruption and delay. The policy covers missed cruise connections, baggage claims, medical benefits, evacuation, repatriation, and AD&D coverage. 24/7 service is available, and includes car rental. Upgrades are available for the Active Family Pak and Adventure Plus Pak. The Certificate of Insurance includes policy information. The plan includes concierge, business, and travel emergency service. Use fast quote for policy information.
Highlights:
- More affordable than many options.
- Policies are upgradable for family coverages.
- Business and conceirge policies are available.
Travel Guard
Travel Guard has many options available; however, options vary depending on your state of residence. Seniors have a wide variety of benefits. My Travel Guard is affordable with coverage for cancellations, interruptions, delays, baggage issues, medical expenses and evacuations. Unforeseen circumstances happen, and My Travel Guard also has coverage for financial default, terrorism, and a waiver of pre-existing conditions. The Certificate of Insurance and a quick quote is available online. Optional coverage options include cancellation, upgrades on medical, hospital evacuation, baggage, car rental, AD&D, adventure sports, and accident interruptions. Another benefit is Rental car insurance.
Highlights:
- Coverage options depend on where you live.
- Quick quotes available online.
- Includes coverage for cancellations, medical issues, evacuations and more.
Conclusion
In summary, CSA Travel Protection, RoamRight, Tin Leg Travel Insurance, TravelEx and Travel Guard have similarities in basic coverages, but expanded coverages differ. Depending on your needs, each of these companies presents coverage for seniors during travel within the United States or abroad.