Travel Insurance Questions from Baby Boomers

March 13, 2023

Boomer Travel Insurance Resources

Boomer and senior travel insurance policies exist to serve seniors over 65 while they travel the world. But even some of the best senior travel insurance policies come layered with intentionally confusing fine print, a long list of exclusions, and benefits that sound great but truly aren’t of much value. Senior travelers are likely to be disappointed with their travel insurance provider in the event they require their services. Should you be hospitalized during your trip, you may find out the hard way that your provider will not reimburse certain services.

FocusPoint International strives to help senior travelers make the most informed purchasing decisions possible, answering some of the most pressing questions about travel insurance for boomers and senior travelers alike. Before you purchase your next senior travel insurance policy, find answers to important questions and ensure you get the right policy for your needs. For added peace of mind, CAP Tripside Assistance is the perfect addition to any travel insurance policy, providing fully-funded travel assistance and emergency relocation benefits for a fraction of the costs.

What is the Best Travel Insurance for Boomers?

The “best” travel insurance for seniors depends on your needs. Should you be concerned about the fear of travel, that is, related to contracting COVID-19 or experiencing a sudden natural disaster, then a travel insurance policy with a “cancel for any reason” clause would be considered the best. In other cases, seniors and boomers with pre-existing medical conditions would want to explore a policy that specifically benefits those with pre-existing medical conditions.

Seniors and boomers are encouraged to closely research their travel insurance policy and understand how their age and pre-existing medical conditions impact their coverage. One of the most common surprises senior travelers face are the unexpected costs of an air ambulance or emergency relocation back home. Travel insurance often covers a certain dollar amount for a medical emergency during travel but will typically leave the customer to pay for the costs of emergency transportation back home.

How Does Being Over 65 Impact My Travel Insurance Policy?

Most traditional travel insurance providers will sell policies to those 65 and older at a premium rate. In some cases, an insurance provider may request that you purchase a specific plan for those over the age of 65 or one that specifically addresses travelers with pre-existing medical conditions.

Senior travelers should be most concerned about their pre-existing medical conditions. If they are not disclosed to your provider, it could be a reason to void your coverage altogether. Most travel insurance policies are on a reimbursement basis, meaning that you must file a claim after paying out of pocket for the costs of hospitalizations in a foreign country. During the claims process, your travel insurance provider will likely research your medical history to determine if you have a pre-existing medical condition. A denied claim can have terrible financial impacts, costing the consumer tens of thousands of dollars.

At What Age Can You No Longer Get Travel Insurance?

With so many travel insurance providers and offerings on the market, there is likely a policy for everyone and any age. Each is unique and has diverse limitations, so consumers need to read the fine print to understand any restrictions or regulations.

Will Travel Insurance Cover Everything for Seniors During Their Trip?

The short answer is no.

Senior travelers might be surprised at the long list of exemptions found deep within the fine print of their policies. Everything from pre-existing medical conditions to natural disasters and political unrest could void your policy entirely. The only way to truly understand your policy is to read every detail of the fine print and then follow up with the provider to clear up any misunderstandings. Some senior travelers who visit sunshine destinations might discover that they only need travel insurance to address the risk of unexpected hurricanes, floods, or tornados.

In the event you need to be returned home during a medical emergency, FocusPoint International’s CAP Tripside Assistance travel plan addresses that need at no additional cost. As a standalone product or a supplement to any existing travel insurance policy, CAP customers gain access to fully-funded travel benefits, including emergency relocation and air ambulance services, for one affordable fee.

Explore FocusPoint International’s CAP Tripside Assistance Plan, which comes with a robust CAP Advantage mobile app that includes destination-based health, safety and security intelligence, COVID-19-specific information, a one-touch assistance button, and much more.

The CAP Tripside Assistance Plan offers unlimited 24/7 advice for a long list of travel mishaps often overlooked by traditional travel insurance, including COVID quarantine cost coverage. It also provides a fully-funded response to riots, strikes, civil commotion, and natural disasters, with medical evacuation to a home hospital of choice, should you suffer from a medical mishap resulting in hospitalization.

Contact us directly to learn more about available offerings for senior and boomer travelers.