Traveling anywhere is tricky enough without having to worry about age restrictions, but there are some circumstances when age actually matters, especially in the matters of travel insurance and limitations.
Single Trip
When purchasing single trip travel insurance, you are buying insurance for just a single trip that’s usually relatively short. As a result, the age restrictions are often a bit more lenient. Most companies offer special plans for senior citizens between the ages of 65 and 89 years. Naturally, these policies have higher premiums because a person within this age range is more likely to need medical coverage over that period of time. Single trip insurance typically covers prescriptions and emergency medical services as well as lost luggage.
Travel Medical Insurance
When obtaining travel medical insurance for traveling abroad, there are usually age restrictions as well. These restrictions are usually not that different from single trip insurance policies, and the premium is higher. This kind of insurance covers prescription medications and lost luggage as well as emergency services.
Annual Travel Insurance
When it comes to annual travel insurance, age restrictions are a bit different. As the insured person is planning on staying in a certain place for at least a year, the age restriction is usually a bit lower because younger people are less likely to need medical coverage. For most companies, the cut-off is around 79 years of age. If you are older, it can be tough to find an annual insurance policy.
Rental Car Policies
Most rental car companies have age restrictions. There is usually a minimum age restriction because car companies do not want to rent to people more likely to get into an accident. Typically, they will only rent a car to adults 21 years of age and older. Similarly, there is a maximum age range as well. Most companies do not rent to individuals over 74 years of age because the risk of a car accident is higher.
Flight Accident Insurance
Flight accident insurance has age restrictions although they are very different from company to company. It’s very common for companies to use a traveler’s age to determine the rate of coverage. For instance, the payout for a senior is typically less than that of a middle-aged man because the insurance company weighs many different aspects before issuing a flight accident policy.
Accidental Death & Dismemberment Insurance
Typically, there are no age restrictions when it comes to accidental death and dismemberment insurance. There is generally no fluctuation in rates due to age. This type of coverage is designed to provide for the family of the person who is dismembered or killed in an accident.
Medical Evacuation
Medical evacuation service is basically an insurance covering the cost of airlifting or emergency transport. There are no age restrictions for this kind of insurance; the premium rises with your age. It’s most expensive for people who are 85 years of age and up.
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