AARP Travel Insurance: Everything You Need to Know

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If you’re over 50 and planning a trip, you might want to consider purchasing travel insurance through AARP. AARP travel insurance offers a variety of benefits and coverage options, including emergency medical coverage, trip cancellation and interruption coverage, and baggage coverage. In this article, we’ll take a closer look at AARP travel insurance, its features, and what it can offer you.

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What is AARP Travel Insurance?

AARP travel insurance is a type of insurance designed specifically for travelers over the age of 50. It’s offered through The Hartford, a well-known insurance provider, and is available to AARP members. The insurance can be purchased for both domestic and international trips, and there are several different coverage options to choose from.

The goal of AARP travel insurance is to provide peace of mind to travelers, knowing that they’re covered in case something goes wrong during their trip. Whether it’s an unexpected illness or injury, a cancelled flight, or lost luggage, AARP travel insurance can help protect you financially.

What Does AARP Travel Insurance Cover?

AARP travel insurance offers a variety of coverage options, including:

Coverage
Description
Emergency Medical Coverage
Covers emergency medical expenses, including hospitalization and treatment for injuries and illnesses.
Trip Cancellation and Interruption Coverage
Covers prepaid expenses if your trip is cancelled or interrupted due to a covered reason, such as illness, injury, or death of a family member.
Baggage Coverage
Covers lost, stolen, or damaged baggage and personal belongings during your trip.
Emergency Evacuation and Repatriation
Covers emergency medical evacuation and transportation back home in case of a medical emergency.
Accidental Death and Dismemberment
Covers accidental death or dismemberment while traveling.

How Much Does AARP Travel Insurance Cost?

The cost of AARP travel insurance depends on several factors, including your age, trip destination, trip length, and the coverage options you choose. The Hartford offers several different plans, so you can choose the one that best fits your needs and budget.

As an example, a 65-year-old traveler planning a 10-day trip to Europe could expect to pay around $200 for the AARP Emergency Medical Plan, which includes $50,000 in emergency medical coverage and $100,000 in emergency medical evacuation coverage. Prices will vary depending on the traveler’s age and destination.

How Do I Purchase AARP Travel Insurance?

To purchase AARP travel insurance, you must be an AARP member. You can purchase a membership online or at a local AARP office. Once you’re a member, you can purchase travel insurance through The Hartford’s website or by calling their customer service line.

When purchasing travel insurance, it’s important to read the policy carefully, understand what is covered, and ask any questions you may have before making a purchase. Make sure you’re aware of any exclusions or limitations, as well as the policy’s claims process.

Frequently Asked Questions

Q: Is AARP travel insurance only available to members?

A: Yes, AARP travel insurance is only available to AARP members.

Q: What is the age limit for AARP travel insurance?

A: There is no age limit for AARP travel insurance. It’s available to all AARP members, regardless of age.

Q: Can I cancel my AARP travel insurance policy?

A: Yes, you can cancel your AARP travel insurance policy at any time. However, you may be subject to a cancellation fee, depending on the policy’s terms and conditions.

Q: How do I make a claim on my AARP travel insurance policy?

A: To make a claim on your AARP travel insurance policy, you’ll need to follow the claims process outlined in your policy. Typically, you’ll need to provide documentation to support your claim, such as medical records or receipts. You can submit a claim online or by calling The Hartford’s customer service line.

Q: Does AARP travel insurance cover pre-existing medical conditions?

A: AARP travel insurance does offer coverage for pre-existing medical conditions, but you may need to purchase a specific plan to receive this coverage. Be sure to read the policy carefully and ask any questions you may have before making a purchase.

Conclusion

AARP travel insurance offers a variety of benefits and coverage options for travelers over the age of 50. It’s designed to provide peace of mind, knowing that you’re covered in case of a medical emergency, canceled or interrupted trip, or lost baggage. If you’re an AARP member planning a trip, consider purchasing travel insurance through The Hartford to protect yourself financially and enjoy your travels with confidence.

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