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Seniors Travel Insurance FAQs

Your “golden years” are a great time to get out there and see the world. We have put together some frequently asked questions about travel insurance for seniors to help plan your trip. Visit our Seniors Travel Insurance page for further information and tips on getting coverage.

What if my relatives or family are sick?

We can consider your claims arising from the health or death of a family member or your business partner if they are not traveling with you. However, the pre-existing medical condition exclusion may apply, so please refer to the Description of Coverage documents to find out specific coverage for your state.

“Family member” means the insured’s or traveling companion’s spouse, civil-union partner or domestic partner, child, sibling, parent, grandparent, step-grandparent, grandchild, step-grandchild, stepchild, step-sibling, step-parent, step-aunt, step-uncle, parent-in-law, daughter-in-law, son-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, caregiver, foster child, ward or legal ward, and spouse, civil-union partner or domestic partner to any of the listed above.

Do I need to provide a medical certificate or information from my doctor if I make a claim?

Yes, the medical certificate on the claim form will need to be completed by the usual physician of the person whose health caused the claim. A specialist’s report may also be required. We may require additional medical information, including a full claim history, but we will let you know if that arises.

Do you have a Seniors Card discount?

No, sorry. You can adjust the price of your premium through altering the coverage options and extra add-ons.

Can I pay by check?

You can pay by Visa, MasterCard, American Express or Discover.

Is there an age restriction for seniors travel insurance?

Yes. You can only purchase a travel insurance policy online if you’re 99 years of age or younger. Policy availability may be subject to age, departure date, duration of trip and area of travel. Plans may not be available to all travelers and limits may apply.

Do I need to buy a specific policy if I’m a senior traveler?

No, we don’t have specific travel insurance policies for senior travelers. Cover-More offers a range of policy options to help you find a plan that best suits you.

Why is seniors travel insurance more expensive?

The older you get, the higher your risk of health issues. Your travel insurance premium is influenced by the higher risk of health issues. There’s a greater chance of seniors cancelling a trip or requiring medical assistance while traveling, including medically-assisted repatriation to return home. That’s why premiums are often higher for senior travelers.

Am I covered for anything that could go wrong on my trip if I get premium coverage?

We cover a wide range of mishaps, and will be there to support you if something goes wrong. Travel insurance can't cover everything that may go wrong on your trip – otherwise policies would be super expensive. It is important that you read the Description of Coverage documents so you are aware of what our policies cover. If you’re unsure, call our team at 1-844-692-4112 and they can help explain.

Can I get cover if I have an existing medical condition (EMC)?

You can still travel with peace of mind even if you have existing medical conditions. We will cover you if the pre-existing medical condition waiver is in effect*, provided the following conditions are met:

  1. This plan is purchased within 15 days of your initial trip payment;
  2. The amount of coverage purchased equals all prepaid non-refundable payments or deposits applicable to your trip at the time of purchase and the costs of any subsequent arrangements added to the same trip are insured within 15 days of the date of payment or deposit for any subsequent trip arrangements;
  3. All people insured under the policy are medically able to travel when this plan cost is paid;
  4. The cost of your trip does not exceed $100,000 per person (only applicable to trip cancellation/Interruption/delay).

Keep in mind that this coverage will be terminated and no benefits will be paid under the pre-existing medical condition exclusion waiver if the full costs of all prepaid, non-refundable trip arrangements are not insured.

If you have any questions about existing medical conditions coverage for seniors, call our team at 1-844-692-4112 or read through the details in our Description of Coverage.

What if I can’t get coverage for an EMC?

If coverage for your EMC was denied in the assessment, you won’t be covered for incidents relating to your health that are related in any way to your existing medical condition(s), but you may still be covered under the policy for things like lost luggage or travel documents. Call us at 1-844-692-4112 to see what sort of policy we can put together for you.

What do I do if I need unexpected and immediate medical treatment overseas?

If it’s an emergency, call the local emergency line right away. Then when you can, call our 24-hour Emergency Assistance team so we can help. We will require a medical report from the treating doctor, details of your medical history and information from your physician as well as details of the cost of your overseas treatment. We can deal with the hospital directly while you focus on getting better. Claims are subject to approval.

*Limits and exclusions may apply.

Contact Us

Cover-More has been providing travelers in the US, UK, Australia and New Zealand with high-quality travel insurance and round-the-clock customer service. We’ve partnered with Berkshire Hathaway Travel Protection to provide our US customers with the highest quality coverage available.

Contact details for Non-U.S. Cover-More customers