AARP Travel Insurance: What You Need to Know

AARP, a well-known organization dedicated to serving individuals 50 and older, offers a wealth of resources for seniors, including travel tips and discounts. However, when it comes to travel insurance, AARP doesn’t directly sell policies. While this might seem like a setback for senior travelers seeking coverage, there are still valuable resources available through AARP, and understanding them is key for making smart travel decisions. This article will delve into the specifics of AARP’s relationship with travel insurance and help you discover the best options for your needs.

Does AARP Offer Travel Insurance?

AARP is primarily focused on providing valuable resources and discounts for its members, including travel deals. They offer a wide range of resources and discounts on travel booking platforms like Expedia, hotels, flights, and more. However, AARP does not sell travel insurance policies directly. The closest thing AARP offers to travel insurance is a discount on Medjet Assist memberships. Medjet Assist specializes in medical evacuation services, providing transport to a suitable medical facility in case of emergency. While this can be a valuable safety net, it’s important to remember that Medjet Assist doesn’t offer full travel insurance coverage. It won’t cover medical bills or other travel-related expenses like trip cancellation or lost baggage.

Why Seniors Need Travel Insurance

As we age, we become more susceptible to health issues and accidents. And while Medicare offers some coverage, its benefits are limited when traveling outside the United States. This is where travel insurance becomes crucial for seniors. Travel insurance offers financial protection against unexpected events, providing peace of mind and safeguarding your travel investment.

Finding Travel Insurance for Seniors

AARP recommends that seniors explore comprehensive travel insurance plans from third-party providers. Using comparison tools like Squaremouth, you can see plans from multiple providers side-by-side and choose the best fit for your needs and budget. When considering travel insurance, it’s important to look at the specific coverage features, including:

• Medical Evacuation: This covers the cost of transporting you back home or to a suitable medical facility if you experience a medical emergency while traveling.
• Trip Cancellation: This reimburses you for non-refundable travel expenses if you need to cancel your trip due to an unforeseen event.
• Flight Delays: This covers expenses incurred due to flight delays, such as missed connections or accommodations.
• Baggage Loss: This reimburses you for lost or damaged luggage.
• Pre-existing Conditions: While some plans may exclude pre-existing conditions, others may offer coverage for them.

Understanding Travel Insurance Costs for Seniors

Travel insurance for seniors often comes with higher premiums due to increased health risks and the possibility of larger medical expenses. Several factors influence travel insurance cost for seniors, including:

• Age: Insurance costs generally increase with age.
• Health Conditions: Pre-existing health conditions can significantly impact insurance premiums.
• Destination: Traveling to high-risk destinations may result in higher premiums.
• Trip Length: Longer trips typically require higher coverage levels and thus cost more.
• Coverage Levels: The more extensive the coverage, the higher the cost.

Best Travel Insurance for Seniors (Based on AARP Membership)

Two providers that consistently receive positive feedback for senior travelers are Seven Corners and Tin Leg. Seven Corners is known for its high customer satisfaction ratings and robust coverage options, while Tin Leg is known for its strong medical and evacuation limits. While these are two great options, remember to compare multiple providers to ensure you find the plan that best suits your individual needs and budget.

Important Considerations Before Purchasing Travel Insurance

Before purchasing travel insurance, take the time to consider your specific travel needs and potential risks. It’s also important to:

• Review your existing health coverage: Understand your existing health insurance benefits and limitations, especially for international travel.
• Assess your pre-existing conditions: Consider how they might affect your coverage and cost.
• Evaluate your trip destination and duration: Tailor your coverage based on the specific requirements of your travel plan.
• Read the fine print: Always carefully review the policy terms and conditions to ensure you understand the coverage details and any exclusions.

Additional Resources and Support

AARP offers a plethora of travel resources, including articles, guides, and tips for senior travelers. Their website (AARP.org) can be a great starting point for your research. Furthermore, you can visit the websites of reputable travel insurance providers like Seven Corners and Tin Leg to learn more about their plans. It’s also essential to check government travel advisories for health and safety information on your destination.

FAQs

Does AARP offer discounts on travel insurance from third-party providers?

AARP does not offer discounts on travel insurance from third-party providers. They primarily offer discounts on travel booking services and a discount on Medjet Assist memberships.

What kind of travel insurance is best for a senior traveling internationally?

For international travel, it’s crucial to have a travel insurance plan that provides comprehensive medical coverage, emergency medical evacuation, trip cancellation, and baggage loss protection. Make sure the plan offers sufficient coverage for your destination and travel needs.

Is Medjet Assist a good alternative to travel insurance?

Medjet Assist is a valuable resource for medical evacuation, but it doesn’t replace comprehensive travel insurance. Medjet Assist focuses solely on transporting you to a suitable medical facility in case of an emergency. It does not cover medical bills or other travel-related expenses.

How can I compare travel insurance plans for seniors?

Use travel insurance comparison websites like Squaremouth to compare plans from multiple providers side-by-side. These websites allow you to easily see coverage details, costs, and benefits of different plans, making it easier to find the best fit for your needs.

What are the most important factors to consider when choosing travel insurance?

The most important factors include your individual needs, health conditions, trip destination, trip length, and coverage levels. You also need to understand the policy terms and conditions, including any exclusions or limitations.

Conclusion

Learn more about us at:

AARP, while not directly selling travel insurance, provides essential resources and discounts to make travel easier and more affordable for seniors. Understanding AARP’s travel resources and options, along with the importance of comprehensive travel insurance for seniors, is key for a smooth and enjoyable travel experience. Remember to explore your options carefully and choose a travel insurance plan that best fits your needs. Don’t hesitate to leave a comment, share this article with your friends and family, and explore more insightful content on our website to stay informed about all aspects of insurance.