June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
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It’s one of the best-kept secrets in travel: An annual plan is often the smartest—and the cheapest—travel insurance option for senior travelers.
Buy your plan once, and you have coverage for all the trips you take in the following 365 days. Your plan protects not only your big vacations, but also quick getaways; anytime you’re more than 100 miles from home, you’re covered. But before you get your policy, you need to ask yourself a few questions. Here are the key things to consider when buying annual travel insurance over 65.
If you’re planning any international travel, travel insurance with emergency medical and dental benefits is a must. Except in a few rare instances, Medicare does not provide coverage when you’re traveling outside of the United States.1 If you get seriously sick or injured and you don’t have insurance, you’ll have to pay out of pocket for medical care. Luckily, all Allianz Travel Insurance AllTrips plans include coverage for covered medical emergencies (up to the limits in your plan), as well as emergency transportation.
These plans offer some of the best travel insurance for seniors over 70 or 80, especially when you compare the cost of one or more single-trip plans to an annual plan.
If you’re worried about finding travel insurance for seniors with existing medical conditions, we have good news: most AllTrips annual travel insurance plans can protect your trip.
If you have AllTrips Prime, AllTrips Executive, or AllTrips Premier, you can be covered for losses due to a pre-existing medical condition as long as you meet the requirements. You must be a U.S. resident when you purchase your policy, and you must purchase your trip during the coverage period, or purchase your policy within 14 days of the date of the first trip payment or deposit.
We define an existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including your policy purchase date:
AllTrips annual travel insurance plans do have limitations on the amount you can be reimbursed if you have to cancel or cut short your trip. With yearly travel insurance, trip cancellation and trip interruption benefit limits are per insured person, per year (or per policy, per year for AllTrips Premier).
What does this mean? Let’s say you buy an AllTrips Prime plan, which has a trip cancellation limit of $3,000. A few months later, you get sick right before a planned beach trip, so you file a trip cancellation claim and get reimbursed for $2,000. Now, you have $1,000 remaining for trip cancellation for the rest of your plan’s duration.
If you need to protect an expensive trip, you have a few options:
Some travelers don’t need to insure their trip costs. Maybe you only travel to visit friends and family, so you don’t have pre-paid costs for hotels. Maybe you only travel by car, so you don’t have to insure your flights. In that case, AllTrips Basic (which doesn’t include trip cancellation/interruption) may be your best choice.
There’s no limit on the number of trips you can take in 365 days. This makes AllTrips plans an especially good travel insurance choice for people 65 and over who travel frequently. RV trips, camping trips, trips to see the grandkids, weekends in the city, weeks at the river house: They all can be covered.
There is, however, a limit on the length of trips that annual travel insurance can cover. AllTrips Basic, AllTrips Executive, and AllTrips Prime all can protect trips up to 45 days in length.
Planning an around-the-world trip or a long stay abroad? AllTrips Premier protects trips up to 90 days.
AllTrips plans include up to $45,000 in rental car damage and theft coverage, whether you’re traveling in the U.S. or internationally (with the exception of Jamaica). This alone can make annual travel insurance worth the cost, because rental car insurance is often a significant expense, especially in Europe.
(Rental car damage and theft coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. For WA residents, rental car damage and theft coverage may not be available in all plans. See your plan details for additional information.)
Improved bag-tracking technology means the rate of mishandled baggage continues to improve—but bags still get lost. Globally, 6.3 bags per 1,000 passengers are lost or delayed, according to a recent SITA Baggage IT Insights report. That’s more than 33 million pieces of baggage going astray in a year.2
When you're buying annual travel insurance over 65, look for a plan that offers enough coverage for your stuff. You’ll want to make sure your plan covers the loss, damage or theft of baggage and personal effects, plus baggage delay benefits to reimburse you for any essential items you need if your baggage is delayed or misdirected by your airline or other travel carrier. Check the exclusions and maximum limits for baggage coverage, as well as sublimits for high-value items such as jewelry and electronics.
Every Allianz Travel Insurance plan, including AllTrips plans, includes 24-hour assistance for round-the-clock access to a trusted team of travel experts. Assistance isn’t only for major emergencies, such as a lost passport or medical crisis. We can also help with other travel challenges, such as finding a nearby pharmacy for a prescription refill or providing interpretation services.
Discover why more than 55 million American travelers trust Allianz Travel Insurance to protect them on the journey. Get a quote today.
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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.
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