To make the plan even more appealing, there is a 24-hour hotline for your use. This round-the-clock support will help you to handle any unforeseen travel issues and emergencies.
Regarding pre-existing conditions, yours or a family member may be covered on a case by case basis.
As a guideline, the OneTrip Prime plan defines a pre-existing condition as one occurring within 120 days of your trip.
OneTrip Emergency Medical
OneTrip Emergency Medical emphasizes emergency medical treatment rather than other common coverage features.
Considering medical treatment is a priority concern for seniors, this option may be optimal.
Look at some of the medical care that the OneTrip Emergency Medical plan covers:
- Up to $50,000 of emergency medical coverage
- $250,000 of emergency medical transportation coverage
- $750 maximum for covered dental expenses
This plan has other elements, including baggage loss and travel accident coverage. But these are far less of the focus here.
Pre-existing conditions waivers are also available for this plan.
AllTrips Basic
Some seniors are frequent travelers. They make exciting trips every year, sometimes multiple times per year.
For these travelers, one of Allianz Travel’s multi-trip plans will be more suitable.
These plans provide coverage for a whole year rather than for single trips.
The AllTrips Basic plan is the most affordable of this variety. This plan eliminates trip cancellation coverage. Instead, it places emphasis on medical coverage.
Though this plan is an annual plan, the coverage limits apply to individual trips. Here is a breakdown of the top offerings:
- $20,000 in emergency medical coverage
- $100,000 for emergency medical transport
- $25,000 covering travel accidents
As mentioned above, this plan does not provide trip cancellation coverage. It also seems to exclude pre-existing conditions with no waiver option.
Still, it is a lower-cost option with decent value for seniors.
AllTrips Premier
The AllTrips Premier plan is at the opposite end of the spectrum from the AllTrips Basic Plan.
This plan is one of Allianz Travel’s most expensive. As such, it comes with some of the most coverage options.
Here are some of those high-level coverage offerings:
- $50,000 in emergency medical coverage
- $500,000 for emergency medical transport
- Coverage for baggage loss or theft up to $2,000
As the premium annual plan, AllTrips Premier offers the option of waiving pre-existing medical conditions.
It also has a host of other offerings, including varying levels of trip cancellation and interruption coverage.
IMG
IMG is another company that provides many travel insurance plan options.
In the following sections, we will look at the two that are most relevant. One is specifically tailored for seniors. The other is a plan that focuses on medical care.
GlobeHopper Senior Travel Medical Insurance
The GlobeHopper Senior Travel Medical Insurance is made for senior travelers.
But this plan is only available to those between the ages of 65 and 79.
The period of coverage lasts for a minimum of five days. The maximum length is a full year.
Some of the medical coverages for the GlobeHopper Senior Travel Medical Insurance are as follows:
- 30 overnight hospital stays
- Transportation between medical facilities up to $2,500 lifetime
- Intensive care coverage
- Surgery
- Emergency room visits
- Prescriptions
Beyond coverage for specific medical events, the plan also gives coverage for:
- Evacuation
- Trip protection
- Pre-existing conditions
- Dental care
As a product made for seniors, the GlobeHopper Senior Travel Medical Insurance is one you should definitely consider as you test the insurance market.
Patriot Platinum Travel Medical Insurance
This plan focuses on medical coverage.
Currently, one of the main benefits of the Patriot Platinum Travel Medical Insurance is that it has specific aspects related to COVID-19. You can use up to your policy maximum on COVID-19 treatment if it is provided after the policy effective date.
In addition to this, here is a list of some of this plan’s other highlights:
- Intensive care coverage
- $250 per hospital overnight stay for up to ten nights
- 20% coverage for surgery costs
- Reconstructive surgery
- Anesthesia
- Emergency ambulance coverage
Additionally, this plan has evacuation and trip-protection coverage. It is a great all-around option offering flexibility through choices for maximum limits.
TravelSafe
TravelSafe offers two main insurance plan options:
- Classic Travel Insurance
- Basic Travel Insurance
These plans have similar features as well as variations in coverage levels.
For seniors, classic is likely a better option.
This preference is because the basic plan does not offer pre-existing condition waivers for those living in the following states:
- Florida
- Missouri
- Kansas
- Virginia
- Washington
Given that limitation, let’s focus on the classic plan.
The classic plan has the following coverage benefits:
- $1,000,000 for emergency medical evacuation
- $25,000 for non-emergency medical evacuation
- $100,000 for accident and sickness expenses
The classic plan also offers coverage for loss of personal belongings up to $2,500.
