A policy designed for travelers typically age 60–95 that covers emergency medical treatment abroad, hospital care, prescriptions, and emergency medical evacuation. It supplements or replaces limited international benefits from domestic or retiree plans.

Original Medicare has very limited coverage abroad and generally does not include evacuation. Some Medicare Supplement or Advantage plans may include restricted foreign travel benefits. A dedicated travel medical plan helps close these gaps.

Many seniors choose at least $100,000–$250,000 for emergency medical expenses and $250,000–$500,000 for evacuation/repatriation. Higher limits are smart for cruises, remote destinations, or longer trips.

It depends on the plan. Some offer coverage for stable pre-existing conditions or a waiver if you buy within a specified window and meet stability rules. Others exclude them. Review the look-back period and any medical stability criteria.

Many plans accept travelers into their 80s or even early 90s, though maximum coverage limits and benefits may be lower at the highest ages. Check the plan’s age bands and any special senior tiers.

You choose a deductible (your upfront cost) and a coinsurance level (what the plan pays after the deductible). Lower deductibles and higher policy limits increase premiums. Pick a structure that fits your budget and risk tolerance.

Cruise itineraries often benefit from higher evacuation limits and coordination to the nearest suitable facility on shore. Make sure your policy covers ship-to-shore evacuation and subsequent transport if a higher level of care is needed.

Most current plans treat COVID-19 like any other covered illness, subject to policy terms. Confirm testing/treatment eligibility and any destination-specific exclusions before purchase.

Insurers often provide a guarantee of payment to hospitals. Smaller clinics may require you to pay and file a claim. Keep itemized bills, medical reports, and your policy/assistance card accessible at all times.

Your policy certificate and ID card, 24/7 assistance numbers, medication list and allergies, passport/visa copies, and digital backups. Share the assistance contacts with your travel partner or family.

Buy before departure. If you want a pre-existing condition waiver or add-ons, purchase as early as possible—some benefits require buying within a limited timeframe after your initial trip payment.

Compare age eligibility, medical and evacuation limits, pre-existing condition rules, deductibles/coinsurance, network access, claim support, and any add-ons such as cruise-specific benefits or adventure sports riders.