Over 65 Travel Insurance
Focus on fun with family and friends knowing over 65 travel insurance has you covered for medical expenses while you are enjoying your time away from home.* There will be no worries about costs associated with treating a health issue on your trip; including doctor visits, hospitalization and even ambulance rides. Additionally, over 65 travel insurance can reimburse you for eligible immediate care and medication costs and if deemed necessary, physical therapy is also available. Enjoy the precious moments with friends and family knowing over 65 travel insurance has coverage tailored to protect you when you are in need.
* Maximum medical coverage (per certificate period) varies by age. See below for detail.
|Age||Maximum Medical Coverage Available|
|18 to 69||$50,000, $100,000, $200,000, $500,000 or $1,000,000|
|70 to 79||$50,000 or $100,000|
|80 or older||$10,000|
Who Needs Over 65 Travel Insurance?
- Grandmothers and grandfathers who enjoy family time on trips abroad
- Retirees who are setting sail to see the sights of the world
- Seniors visiting family and friends abroad
Why Buy Over 65 Insurance?
If you travel after your retirement, having an over 65 travel insurance policy will give you the peace of mind of having coverage if you are traveling to an unfamiliar location.If you have an accident requiring inpatient hospitalization, our over 65 travel insurance plans provide ambulance services for covered injuries. If you have one of our over 65 travel insurance plans, we will reimburse your medication costs for covered injuries or illnesses.
Compare Over 65 Travel Insurance Plan
|Covered Benefits||Provided With Atlas Travel®||Atlas Travel® Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions (excludes chronic and congenital conditions)||Limited: Up to medical coverage maximum lifetime for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2,500.|
|100% coverage for accidents and injuries outside the U.S.||Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% coverage for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO network. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, $1,000,000 in cover regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|Complete online enrollment capabilities & immediate fulfillment||Yes: Selecting 'Yes' to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved||Varies.|
|Crisis response benefit||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping.||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability benefit||Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.||No. Competitor travel medical plans do not include a personal liability benefit.|
Want to know more about over 65 travel insurance, how it works, and the benefits? Read more below:
Over 65 Travel Insurance Tips
5 Tips for Over 65 Year Old Citizens to Ensure a Safe and Enjoyable Trip
According to the U.S. Travel Association, more than 35 percent of all American travelers taking leisurely trips each year are 57 and older. Those in the retirement age category (people born before 1946) are particularly keen on enjoying a getaway. They take an average of four leisurely trips a year.¹
With many senior citizens’ travel schedules including international destinations, it’s important for them to consider additional precautions. These five tips can help senior citizens enjoy a safe, carefree trip while abroad.
One of the toughest parts of preparing for a trip can be the temptation to over pack. Keep in mind that traveling with a lighter load is considerably easier. That being said, travelers must bring along essentials like plenty of clothing for a variety of weather conditions, as well as extra medication if necessary.
Don’t Slack on Sleep
Remember to be honest about how much activity your body can handle. It’s difficult to see every attraction during just one trip, so the key is balancing activities and rest. Even though there’s so much to do, travelers must take time to rest in order to thoroughly enjoy the experience.
Drink Bottled Water
Thirty to sixty percent of Americans who travel abroad each year will encounter an illness, according to the Centers for Disease Control and Prevention. In order to foster healthy travel and possibly prevent getting sick, take precautions by drinking bottled water–use it even when brushing your teeth.
Purchase Travel and Travel Medical Insurance
Many complications can occur while traveling: lost baggage, missing documents, cancelled flights, etc. However, they don’t have to ruin your trip if you have travel insurance. Even more inclusive, travel medical insurance can cover eligible medical expenses abroad and other eligible expenses that relate to travel, such as cancelled flights.
Check with the Doctor Before Traveling
Before setting out, senior citizens should consider consulting with a physician to ensure they’re ready to undergo the stresses and conditions anticipated during the trip. A doctor’s appointment is also a good time for travelers to make sure they have the proper vaccinations prior to departure.
1 “More Than 25 Million Americans Will Travel Overseas This Summer Says AAA’s New International,” Reuters, http://www.reuters.com/article/2008/05/02/idUS173418+02-May-2008+BW20080502 (Accessed August 10, 2011);Africano, Nina, “World’s Worst Travel Diseases (And How To Avoid Them)”, http://news.travel.aol.com/2011/01/06/worlds-worst-travel-diseases-and-how-to-avoid-them/ (Accessed August 10, 2011). “The 65 Years and Over Population: 2000″, Census Brief, http://www.census.gov/prod/2001pubs/c2kbr01-10.pdf (Accessed July 1, 2011).
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.