Seniors Travel Medical Insurance

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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Whether you’re an active globetrotter ready to set sail on your latest adventure or a recent retiree finally embarking on the tour of a lifetime, one thing holds true: life doesn’t stop after age 65 – and neither should you.

However, international travel has its risks, and senior citizens should ensure they don’t leave their medical coverage behind. Should a new and unexpected health issue occur on your trip abroad, seniors travel medical insurance can cover eligible doctors’ visits, hospitalizations, local ambulance rides, and even some physical therapy costs required to get you back on your feet.

Why do I need seniors travel medical insurance?

It’s important to understand that your home country health plan may not cover you outside of your home country. Even if it does, the international coverage offered may be limited.

While nearly all global travelers are recommended to purchase health insurance for travel abroad, it can be especially important for seniors. Note that travel medical insurance for senior citizens does not cover *pre-existing conditions, but it does cover medical costs resulting from newly-incurred injuries abroad, such as falls. According to the World Health Organization, falls are most often suffered by adults over age 65.

Did You Know?

In the U.S. in 2014 alone, seniors experienced 29 million falls which resulted in 7 million injuries.

Seniors travel medical insurance also offers coverage for illness, as overseas travel can expose you to a new environment, strange foods, and foreign bacteria. In the face of a medical emergency, seniors travel medical insurance can provide quality care and financial assistance for eligible illnesses and injuries.

*A pre-existing condition is any condition:
  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

What does travel medical insurance for senior citizens cover?

Travel medical insurance for seniors can provide access to a worldwide network of doctors and hospitals, emergency assistance, and a number of important benefits.

With an Atlas Travel plan from Tokio Marine HCC – MIS Group, you’ll be 100% covered for eligible medical expenses (after the deductible and up to the overall maximum limit) for injury and illness incurred within the PPO network or outside the United States.

If you incur an injury or illness within the U.S. and seek treatment outside the PPO network, you’ll be covered for usual, reasonable, and customary charges (after the deductible and up to the overall maximum limit).

Here are a few additional highlights of our Atlas Travel plan:    

  • Unexpected death benefits, including Accidental Death & Dismemberment, Local Burial or Cremation, and Repatriation of Remains
  • Emergency Medical Evacuation benefit
  • Personal Liability benefit
  • Trip Interruption, Travel Delay, and Lost Checked Luggage benefits

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How do these benefits work in action?

To get an idea of how these benefits work in action, check out the following emergency scenarios and learn how you’ll be covered with travel medical insurance for senior citizens.

  1. That sandwich you bought from a street vendor in Prague results in a serious bout of food poisoning that requires you to be admitted to a hospital.

    Medical emergencies are scary enough when you’re in your home country, let alone a foreign country where you’re unfamiliar with the healthcare system – and you may not even speak the language.

    With a seniors travel medical insurance policy like Atlas Travel, you’ll be covered for the cost of a local ambulance to transport you to the hospital as well as hospital room and board for covered injuries or illnesses that result in hospitalization. You’ll also have access to provider referrals and translation services available in multiple languages 365 days a year.

  1. You’re walking along a beach in Mexico when you fall and become seriously injured.

    You’re taken to the local emergency medical facility, but insufficient supplies and equipment mean the facility cannot provide you with the life-saving medical treatment you need.

    If you’re covered under an Atlas Travel medical insurance policy, then your Emergency Medical Evacuation benefit could cover the cost of transporting you to a nearby hospital properly equipped to treat you.

  1. You’re traveling with your two small grandchildren when you come down with a covered illness that requires a week-long hospital stay.

    Because there are no other adults traveling with you and you’ll be unable to care for your grandchildren for a period lasting over 36 hours, you’ll be covered for the cost of a one-way ticket for each child back to the terminal serving the area in which you principally reside.

    If you’re traveling with a pet under the same conditions, you may also be covered for the cost of returning your pet to your home country, where he or she can be picked up and taken care of by a friend or family member.

  1. After spending three weeks visiting your children in the UK, you’re all packed up and ready to return home – and then heavy fog causes your afternoon flight to be delayed until the following morning.

    Rather than stay at the airport overnight and be exhausted for your early morning flight, you decide to get a hotel room. Not only do you now have to pay hotel costs that weren’t factored into your budget, but costs for extra meals eaten, too.

    Under your Atlas Travel plan’s Travel Delay benefit, you’ll be reimbursed up to $100 a day for reasonable accommodations and meals incurred as a result of your covered, 12-plus-hour delay.

  1. While on your Parisian dream vacation, you discover that your rental has been broken into and your luggage has been stolen.

    You have no idea how to go about acquiring a new passport and the language barrier is making it difficult for you to file a police report.

    With a policy like Atlas Travel, you’ll have access to an assortment of *travel assistance services available in multiple languages 365 days a year. Our operators can provide you with travel, legal, and foreign language assistance and help you to obtain a new passport and travel documents.

    *For a complete list of available assistance services or for more information, please contact Tokio Marine HCC - MIS Group. Travel and medical assistance services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.

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Why Atlas Travel?

The Atlas Travel plan from Tokio Marine HCC – MIS Group can cover seniors in addition to other individuals (14 days or older) who are traveling outside of their home country. Coverage is available anywhere from 5 to 364 days, and travelers of all age groups can be covered under one policy.

When you purchase an Atlas policy from Tokio Marine HCC – MIS Group, you can expect:

  • Flexibility– Policies allow you to select the deductible, length of coverage, and coverage maximum that best align with your travel needs.
  • Ease-of-Use– Online fulfillment is available immediately and no health screenings are required for acceptance. Plus, you can find qualified medical providers in countries and territories worldwide.
  • Assistance– Policies come with access to a line of travel assistance services, available in multiple languages 365 days a year.

If you’re seeking even higher coverage limits, visit our Atlas Premium page. if you’re traveling with a family or group of 5 or more, check out Atlas Group for a 10% discount!

How does my age affect my coverage options?

Your age factors into your overall policy cost and may limit your options when it comes to choosing an overall coverage maximum. As a result, available plans vary for individuals in different age groups. For Atlas Travel, overall coverage maximum options are as follows:

  • Travelers Age 69 and Below: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
  • Travelers Age 70 to 79: $50,000, $100,000, or $150,000
  • Travelers Age 80 or older: $10,000

This means that you’ll need to apply for a policy separately if you’re traveling with individuals in a different age group. For example, individuals age 69 and under can apply for coverage under one policy, as can individuals age 70 to 79 and those age 80 and above.

Learn more about how age affects costs or get your free Atlas quote now!

What happens if you get sick overseas? Guarantee you have health coverage.


Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group 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.