Senior travel insurance provides coverage that can help address certain travel-related risks that become more relevant with age, such as medical emergencies, trip cancellations, or emergency evacuations. It may offer protection where standard health insurance or Medicare typically does not, especially during international travel.

AXA’s travel insurance is available to travelers of many age groups, including older adults. While some travel insurance plans may have age-related limits or exclusions, many are designed to accommodate the specific needs of senior travelers. It’s important to review the plan details closely, as benefits, pricing, and eligibility can vary depending on your age and the type of coverage selected. Planning ahead allows you to choose a travel protection plan that supports your health needs and trip goals.

Coverage for pre-existing conditions may be available under certain travel insurance plans, provided that eligibility requirements are met. This usually includes purchasing the plan within a specific number of days from your first trip payment and being medically able to travel at the time of purchase. When these criteria are satisfied, a “waiver of the pre-existing condition exclusion” may apply, allowing you to be covered for eligible expenses related to an existing health issue. Always review the policy language to confirm what qualifies and what documentation may be needed when filing a claim.

AXA’s travel insurance plans may include emergency medical and dental benefits, which can help cover eligible expenses if you experience an illness or injury while traveling. These benefits often include coverage for hospital stays, urgent care or emergency room visits, ambulance services, diagnostic testing, and prescribed medication. Some plans may also include limited coverage for dental emergencies that occur during your trip. This type of coverage is especially valuable for international travel, where your usual health insurance or Medicare may not apply.

If you become unexpectedly ill or injured before your departure, trip cancellation insurance may help reimburse non-refundable costs such as flights, hotel bookings, or tour fees, provided the reason for cancellation is listed as a covered event in your plan. To be eligible, your condition must develop after your plan goes into effect. Documentation, such as a physician’s statement, may be required when filing a claim. Having this coverage can be particularly helpful for older adults, who may face more unpredictable health concerns before travel.

AXA’s 24/7 travel assistance services are available to provide support while you’re away from home. These services are non-insurance features included with the travel protection plan and can help with tasks such as locating medical care, coordinating emergency transportation, and arranging language translation during a health emergency. If your passport or medications are lost, the travel assistance team can help you replace them or find local alternatives. This added layer of support can be especially reassuring for senior travelers visiting unfamiliar destinations or traveling alone.

Medicare coverage typically does not extend outside the United States, which means any emergency medical care you need abroad may not be covered. A travel protection plan that includes travel insurance benefits can help fill these gaps by offering coverage for eligible emergency expenses during your trip. This can include hospital stays, doctor visits, and even medical evacuation back to the U.S. if medically necessary. Reviewing both your Medicare plan and your travel insurance options before departure can help you make informed decisions and avoid unexpected medical costs while traveling.