You should never stop exploring, which means you should find coverage without age requirements. And since entertainment, fine dining, and shuffleboard are more fun at sea, look for cruise coverage. Make the third act count.
Comprehensive Coverage
Put your mind (and your family) at ease by purchasing a comprehensive trip insurance policy. They cover just about anything that could go wrong, including medical and other travel emergencies.
Multi-Trip Plan
Retirees and empty nesters tend to use their increased freedom to travel, and often it makes sense to buy a policy that covers multiples trips. No need to waste time buying insurance over and over.
Flexible Age Limitations
You don't let your age slow you down, so don't let your policy penalize you during your golden years. Find a plan that limits age-based rate increases.
High Amounts of Medical Expense Coverage
Falling ill or being in an accident in a foreign country can be an unnerving experience. All comprehensive travel insurance plans come with Medical Expense coverage, but the amounts differ. A plan that costs an extra $20 could provide hundreds of thousands of dollars of additional Medical Expense coverage.
Example: On the way to the pool at your resort in Costa Rica, you suffer a major heart attack. You’re brought to the nearest hospital which provides the treatment you need, all the while you’re provider ensures the hospital is resourced to offer you the best treatment, checking in with you and your family members on a daily basis.
Cruise/Missed Connection Coverage
Provides coverage for lodging, meals, and transportation to rejoin a cruise or tour if your flight is delayed because of weather or another complication, causing you to miss the initial departure.
You’re finally taking that Mediterranean cruise you’ve been saving for. Unfortunately, a tropical storm has delayed your flight and you missed the cruise’s departure out of Rome. Cruise Coverage would provide reimbursement for that unexpected night in the hotel, meals, and for your flight to the next port town to rejoin the the boat.
Pre-existing Condition Waiver
An optional (sometimes included) add-on to a comprehensive plan. If eligible, this waiver would provide coverage for those injuries or illnesses that may recur on your trip if they’re considered “Pre-Existing Conditions”.
Example: Nothing is going to stop you from taking the tour of New Zealand, not even your well-managed, chronic illness. Because you had added a Pre-existing condition waiver, medical expenses from an episode of your illness while traveling is covered under your plan.
Trip Cancellation and Interruption Coverage
Make sure your airfare and hotel costs are covered in the event you become ill, a family member passes away, or there’s a natural disaster at your destination and you’re forced to cancel your trip.
Example: You’ve finally booked your African safari and purchased travel insurance. Unfortunately, a few weeks before your trip, your mother falls suddenly and extremely ill and you need to care for her. The last thing you want to think about is the money you could lose by forfeiting deposits and non-refundable payments. Trip Cancellation and Interruption coverage refunds you for those prepaid trip costs, so you can put that money toward the safari next year and be with your family when they need you most.
