The desire to see the world has no age limit. And now that you have reached retirement age, you have more time than ever before to explore new places and expand your horizons. Remember, life doesn’t stop after age 65 – and neither should you.
But as you embark on the journey of a lifetime, keep in mind that international travel has its risks. Your home country health plan may not cover you abroad, or it may provide very limited coverage. If this is the case, then it’s important that you purchase travel medical insurance to keep you covered once you head out of the country.
An Atlas Travel medical insurance policy can provide coverage for unexpected illnesses and injuries that occur on your trip overseas. If you’re injured during a fall, for example, 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.
The world is waiting for you. Go meet it! (Just make sure you have travel medical insurance before you do.)
Check out the frequently-asked questions below to learn more about what’s available to you with Atlas Travel.
Travel medical insurance is recommended for nearly all international travelers by the Centers for Disease Control and Prevention (CDC) and the U.S. Department of State, but it is especially pertinent for seniors because your chances of getting sick or injured are significantly higher than those of someone younger.
Because people’s immune systems weaken with age, seniors are more susceptible to contagious diseases, such as the flu. In fact, according to the CDC, an estimated 71 to 85 percent of seasonal flu-related deaths occur in people 65 years or older.
Additionally, according to the World Health Organization, falls are most often suffered by adults over age 65. In the U.S. in 2014 alone, seniors experienced 29 million falls which resulted in 7 million injuries.
If your domestic plan does not provide coverage abroad, you'll be solely responsible for any emergency medical bills you incur while on your trip. For example, the cost of an emergency medical evacuation alone can exceed $100,000, according to the CDC.
Travel medical insurance for senior citizens does not cover *pre-existing conditions, but it does cover medical costs resulting from newly-incurred injuries or illnesses abroad.
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.
For injury and illness incurred outside the PPO network within the U.S., you’ll be covered for usual, reasonable, and customary charges (after the deductible and up to the overall maximum limit).
*A pre-existing condition is any condition:
With an Atlas Travel policy, you can receive emergency travel benefits in addition to medical benefits. Emergency travel benefits include unexpected death benefits and supplemental travel benefits.
Unexpected Death Benefits – These ensure your family would be taken care of if the worst were to happen while abroad. They include:
Supplemental Travel Benefits – These provide some financial compensation in case of travel mishaps, interruptions, and delays. They include:
If your illness is covered under your Atlas Travel policy, there are no other adults traveling with you, and you’re unable to care for the children for a period expected to last 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 sustain a life or limb-threatening injury or illness and the nearest hospital or emergency care facility cannot provide the medically-necessary treatment, then your Emergency Medical Evacuation benefit could cover the cost of transporting you to a nearby hospital properly equipped to treat you.
Because age factors into overall policy cost, seniors (typically age 70 and above) generally face higher premiums. But in many cases, Atlas Travel policies cost seniors as little as a few dollars a day.
You may also find that available plans vary for individuals in different age groups. For Atlas Travel, overall coverage maximum options are as follows:
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. But if you’re traveling with individuals in a different age group, you will need to apply for policies separately.
When you purchase an Atlas policy from Tokio Marine HCC – MIS Group, you can expect:
Learn when and where you're covered, how to use your insurance, how billing and payments work, and where to seek treatment.
Discover what information you'll need when purchasing a policy and get a step-by-step explanation of the process!