What Is Senior Travel Medical Insurance?

Whether you’re an active globetrotter ready to set sail on your latest adventure or a recent retiree finally embarking on a relaxing vacation abroad, 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. Senior travel medical insurance can provide coverage to travelers of all ages, including those aged 80 or older.

Our Atlas Travel plan can cover eligible doctor’s visits, hospitalizations, and even some physical therapy expenses required to get you back on your feet after a new and unexpected health issue abroad.

NOTE: Travel medical insurance is designed for new and unexpected injuries and illnesses that arise while traveling. It is not designed to cover ongoing treatment or pre-existing conditions, for which coverage is very limited or excluded altogether.


Why Do I Need Senior Travel Medical Insurance?

Nearly all global travelers are recommended to purchase health insurance if their regular health plan provides limited or no coverage abroad.

Here are four reasons to consider senior travel medical insurance for your international trip:

1. Seniors are at higher risk of experiencing a fall. More than one in three seniors age 65 or older falls each year, making falls the leading cause of both fatal injuries and nonfatal injuries requiring hospitalization among seniors. According to the Centers for Disease Control and Prevention (CDC), older adults experience three million falls requiring medical treatment each year. Thirty thousand seniors die from falls annually.

2. No matter the destination you choose or the activities you plan, there’s always a chance you could encounter an accident, illness, or travel complication that calls for global insurance coverage. Overseas vacations can expose travelers of all ages to new foods, unfamiliar environments, foreign diseases, and travel mishaps. Senior insurance can cover eligible hospitalizations, physician expenses, diagnostics, surgery, and even interruptions and delays to get your trip back on track.

3. Your regular health insurance may not cover you outside of your home country. That’s why the U.S. Department of State recommends that you “ask your medical insurance company if your policy applies overseas – and if it covers emergency expenses such as medical evacuation.”

4. Your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses incurred in your host country. Our Atlas Travel plan meets the requirements of many visas, including Europe’s Schengen visa. Atlas Travel also provides policyholders a visa letter you can use to help prove your ability to pay for unexpected medical expenses.


Some Atlas Travel Highlights Include:

  • Up to $2,000,000 of Overall Maximum Coverage
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Medical benefits including Hospital Room & Board, Local Ambulance, Intensive Care Unit, and Emergency Dental (Acute Onset of Pain)
  • Coverage for injuries resulting from *covered sports and activities (learn more below)
  • Emergency travel benefits including Political Evacuation, Natural Disaster – Replacement Accommodations, and an optional rider that includes Natural Disaster Evacuation

*See the Description of Coverage for a list of excluded activities.

Did You Know?

Every 11 seconds, an older adult is treated in the emergency room for a fall-related injury.

Do you have coverage for the treatment of unexpected injuries incurred abroad?

What Does Travel Medical Insurance for Seniors Cover?

In the face of an unexpected medical emergency, senior travel medical insurance can provide access to a worldwide network of doctors and hospitals, emergency travel assistance, and important medical and emergency travel benefits.

Our Atlas Travel insurance plan pays 100% of eligible expenses after the deductible and up to the overall maximum limit. You can customize your Atlas Travel plan by choosing your deductible, coverage length, and overall maximum coverage. You can even increase your coverage amounts for several key benefits at purchase.

Some Atlas Travel Highlights Include:

  • Up to $100,000 of overall maximum coverage for travelers ages 65 -79
  • Up to $10,000 of overall maximum coverage for travelers age 80+
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Medical benefits including Hospital Room & Board, Intensive Care Unit, and Outpatient Physical Therapy and Chiropractic Care
  • Unexpected death benefits including AD&D and Repatriation of Remains
  • Up to $25,000 for Personal Liability

How Does My Age Affect My Coverage?

Your age factors into your policy cost and may limit the number of options you have when choosing your overall maximum coverage limit. Atlas Travel offers the following overall maximum limits based on age:

  • Travelers Age 64 or Younger: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
  • Travelers Age 65 to 79: $50,000 or $100,000
  • Travelers Age 80 or Older: $10,000

How Do Atlas Travel Benefits Work in Action?

See examples of how a senior travel medical insurance plan like Atlas Travel can provide coverage for your trip abroad.

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 senior travel health 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 coverage for all other eligible medical expenses, including physician charges, diagnostic testing, and more.

Additionally, Atlas Travel provides access to provider referrals, translation services, and other travel assistance services. These services are available in multiple languages 365 days a year.

2. You’re taking a stroll along a remote stretch of beach in Mexico when you fall and become seriously injured.

You’re taken to the nearest medical facility for treatment, but the local facility does not have the equipment required to provide the medically necessary treatment.

Fortunately, you’re covered under your Atlas plan’s Emergency Medical Evacuation benefit. This benefit will pay up to $1,000,000 to transport you via air or ground transportation to the nearest hospital properly equipped to treat you and save your life or limb.

Following a covered emergency medical evacuation, your Emergency Reunion benefit can pay up to $100,000 to transport a family member to the area where you are hospitalized so they can help you recover. Your family member will be covered for reasonable expenses resulting from lodging and meals for up to 15 days.

Learn more about the Emergency Medical Evacuation benefit or learn how the Emergency Reunion benefit works during and after an emergency.

3. 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, your Return of Minor Children benefit will provide up to $50,000 of coverage to transport each child back to your home country.

If you’re traveling with a pet under the same conditions, your Pet Return benefit can provide up to $1,000 to return your pet to your home country so a family member or friend can care for him or her.

For situations where you are confined to a hospital intensive care unit following a covered, life-threatening injury or illness, your Bedside Visit benefit will pay up to $1,500 to transport a family member to your bedside.

Learn more about how the Return of Minor Children, Pet Return, and Bedside Visit benefits work during and after an emergency.

4. After spending three weeks visiting your children in the USA, 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 for 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 up to 2 days) for reasonable accommodations and meals incurred as a result of your covered, 12-plus-hour delay.

5. After a tour of castles in Germany, you return to your Airbnb to discover it’s been broken into and your luggage has been stolen. Unfortunately, your passport and travel documents were among the items that were taken.

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.

Thankfully, your Atlas Travel policy provides access to 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.

Your Lost or Stolen Passport/Travel Visa benefit will also reimburse you up to $100 for expenses due to replacing your lost or stolen passport or travel visa. You must report the loss or theft to police within 24 hours and obtain a police report to be eligible for this benefit.


Why Choose Atlas Travel Insurance?


Atlas Travel insurance is available to individuals 14 days old and up—including seniors and individuals over 80 years old—who are traveling outside of their home country. Coverage is available for trips up to 364 days. After your initial purchase, you will have the ability to extend your coverage via Member Portal, our online policy management portal.


You can purchase group coverage while traveling, extend your coverage after purchase, or cancel your policy if your plans change. Your policy documents will be sent to your email address immediately upon purchase. You can also visit our Find a Doctor page to find qualified medical providers in your destination country.

Customizable Coverage 

Customize your policy by choosing the deductible, length of coverage, and overall coverage maximum that best align with your travel needs. You’ll also have the option to upgrade your coverage amounts for several key benefits.

Multilingual Travel Assistance

As an Atlas policyholder, you'll have access to our multilingual travel assistance services 365 days a year. Emergency services are available 24/7. Travel assistance services include referrals, translation assistance, help replacing lost or stolen travel documents, medical monitoring, coordination of emergency travel arrangements, and more.

Are There Any Exclusions To Keep In Mind?

Certain types of expenses are excluded from all Atlas Series insurance plans. Here are some of the more asked-about exclusions:

  • Charges resulting directly or indirectly from any *pre-existing condition, except as covered under the **Acute Onset of Pre-Existing Condition benefit
  • Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
  • Medical expenses related to any form of cancer or neoplasm
  • Mental health disorders
  • Medical expenses for injury/illness resulting from participation in some extreme sports
  • Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

For a full list of exclusions, be sure to review the Atlas Travel Description of Coverage.

*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

**The acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:

a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
c) You must be under eighty (80) years of age;
d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
f) You must be traveling outside your home country


WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips 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.