Jeffrey Wade
AARP is an association that advocates for the interests of the 50-plus community. It offers a range of benefits to its members, many of which are travel-related. These include access to AARP Destination Guides, AARP Vacation Ideas, and AARP Travel, which provides advice, tips, and tools for planning trips. AARP members can also enjoy discounts on hotels, airfare, rental cars, restaurants, roadside assistance, entertainment, travel protection, and expedited passport services. Notably, AARP does not provide medical insurance coverage for international travel, but it does offer a 20% discount on Medjet packages, which provide medical transportation to the nearest acceptable facility, including back to one's hometown if necessary.
| Characteristics | Values |
|---|---|
| AARP Travel Benefits | AARP offers a wide range of travel benefits, including planning tools, tips, and advice, as well as discounts on hotels, airfare, rental cars, restaurants, roadside assistance, entertainment, and travel protection. |
| AARP Medicare Plans | AARP offers Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company or its affiliated companies. These plans are available to AARP members and may include prescription drug coverage (Part D) or Dual Special Needs Plans (D-SNPs). |
| Travel Health Insurance | AARP emphasizes the importance of travel health insurance, especially during the COVID-19 era, as some international destinations require proof of coverage. They recommend consulting official sources and other resources for the latest requirements. While AARP does not provide specific insurance company suggestions, they direct members to articles and resources on the topic. |
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What You'll Learn
AARP's travel benefits for seniors
AARP is an association that advocates for the interests of the 50-plus community. The organization works to improve seniors' legal rights and offers other benefits to its members. AARP benefits are centred around travel, and the association can help seniors who want to travel by cutting costs.
AARP members can access deals on travel, including vacation packages, car rentals, cruises, flights, and more. There are also discounts and rewards for spring travels, including up to $100 off guided vacations, including US National Parks.
AARP also provides members with information about travel insurance. While AARP does not have any suggestions on providers for medical insurance coverage while travelling outside the USA, it does have articles on the topic. AARP also provides links to reputable insurance companies and insurance brokers offering coverage for travel-abroad medical contingencies for those over 65.
Travel insurance can help cover medical issues that arise while travelling, especially if your health insurance does not cover you outside your home country. It can also help cover trip cancellations. However, it is important to note that travel insurance does not always cover medical care or trip cancellations due to disease outbreaks like COVID-19.
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AARP's Medicare Supplement Insurance Plans
AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company or one of its affiliated companies. These plans are available in all states/territories except North Dakota and New York. In New York, plans are insured by UnitedHealthcare Insurance Company of New York, and in North Dakota, they are insured by UnitedHealthcare Insurance Company of America. Additionally, plans in several other states, including Arizona, Illinois, Indiana, Kansas, Mississippi, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, and Texas, are also insured by UnitedHealthcare Insurance Company of America.
To enrol in an AARP Medicare Supplement Insurance plan, you must be an AARP member. Membership is available for $20.00 per year, and members enjoy a wide range of travel benefits, including planning tools, tips, and discounts on hotels, airfare, rental cars, restaurants, and entertainment.
It is important to note that Medicare Supplement Insurance Plans may not cover medical expenses outside the United States. Traditional health insurance policies, including basic Medicare plans, often do not provide coverage outside the U.S., and while some Medicare supplement policies include overseas coverage, it may be limited. Therefore, when travelling internationally, it is advisable to purchase travel health insurance, which can cover medical issues that arise while abroad.
AARP members can access discounts on Medjet packages, which provide medical transportation to the nearest acceptable medical facility, even if it means transporting you back to your hometown. Additionally, AARP members can receive 20% off roadside assistance packages from Allstate, covering towing, tire changes, and more.
In summary, AARP offers a range of benefits to its members, including travel perks and discounts. While AARP Medicare Supplement Insurance Plans can provide valuable coverage within the United States, additional travel health insurance should be considered for international travel to ensure comprehensive medical coverage while abroad.
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Travel health insurance and COVID-19
Travel health insurance is highly recommended in the COVID-19 era, as some countries are now asking for proof of travel health insurance. It is also important to note that travel insurance can reimburse you for your prepaid, non-refundable trip costs if you have to cancel due to COVID-19.
The Centers for Disease Control and Prevention (CDC) advises delaying international trips until you are fully vaccinated. If a country requires special health insurance, you must bring written proof, sometimes specifically mentioning coverage for COVID-19, which the insurer can provide. Without it, airlines may not let you board, and some countries may not admit you.
Travel health insurance covers medical issues that arise while travelling. It is important to note that many traditional health insurance policies, including basic Medicare plans, do not provide coverage outside the U.S. Even if your health insurance includes medical transportation, it may only cover the cost of getting you to the nearest appropriate medical facility. Some travel health insurance policies include emergency evacuation back to your home country, and some companies sell stand-alone plans that provide this coverage.
When considering travel insurance, it is important to remember that older travellers are more likely to have pre-existing medical conditions. Coverage for pre-existing medical conditions can typically be included in a travel insurance policy at no additional premium, as long as the policy is purchased shortly after booking the trip (usually within two or three weeks).
In the absence of a comprehensive travel medical insurance plan, you may be left with high out-of-pocket costs. Some hospitals will not provide treatment or allow discharge until they have received a guarantee of payment.
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Travel insurance for pre-existing conditions
Travel insurance is a good idea for anyone, but it can be especially important for those with pre-existing medical conditions. A pre-existing condition is typically defined as any injury, illness, or medical condition that you or your travelling companion were diagnosed with, treated for, or showed symptoms of before your travel insurance policy went into effect. This can include chronic conditions such as asthma, diabetes, or high blood pressure, as well as more short-term issues like an inflamed knee or a respiratory infection.
The importance of travel insurance for those with pre-existing conditions is that it can protect you from losing money if you have to cancel your trip or pay for medical treatment while abroad. Many traditional health insurance policies, including basic Medicare plans, do not provide coverage outside of the U.S., and those that do may have limited coverage. As such, it is important to carefully read the insurance policy documents to ensure that you meet all the requirements and understand what is and isn't covered.
When it comes to pre-existing conditions, some travel insurance plans will offer a pre-existing condition exclusion waiver, which means that the insurance company cannot examine your recent medical records when reviewing a medical claim. To qualify for this waiver, you typically need to meet certain requirements, such as purchasing the policy within a specified time frame (usually within 10 to 21 days of your initial trip payment), insuring all of your prepaid, non-refundable trip costs, and being medically stable during the lookback period (usually 60 to 180 days before your departure date). It is also important to note that even with a waiver, some pre-existing conditions may not be covered, such as mental and nervous health disorders and normal pregnancy.
While AARP does not provide specific suggestions for travel insurance providers, they do offer resources and articles on the topic, including information on reputable insurance companies and brokers offering coverage for travel-abroad medical contingencies for those over 65 years old. Additionally, AARP provides general advice on picking the right travel insurance, such as considering the possibility of trip cancellation or interruption due to illness or disaster, and the potential need for medical coverage while travelling.
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AARP's travel planning tools
AARP offers a range of travel planning tools and benefits to its members, especially seniors who are planning to travel during their retirement.
Firstly, AARP provides members with access to destination guides, travel advice, tips, tools, and vacation ideas to help with the travel planning process. This includes information on popular destinations in the United States and globally. AARP also offers members exclusive discounts on hotels, airfare, rental cars, restaurants, and entertainment, helping to reduce the overall cost of travel.
In addition to these cost-saving measures, AARP provides members with peace of mind through its partnership with Medjet. Medjet offers medical transportation services, ensuring that members who experience medical issues while travelling are transported to the closest acceptable medical facility, even if it means bringing them back to their hometown. This is particularly valuable for seniors, as older travellers are more likely to have pre-existing medical conditions.
AARP also offers 20% off roadside assistance packages from Allstate, covering items such as towing and tire changes. Furthermore, AARP members can access discounted expedited passport services through RushMyPassport, making last-minute travel more feasible.
While AARP does not provide travel medical insurance, it does offer resources to help members make informed decisions about their travel insurance choices. This includes articles on the topic of medical insurance for international travel and links to reputable insurance companies and brokers offering coverage for travel-abroad medical contingencies for those over 65. AARP also provides general advice on how to pick the right travel insurance plan and information on travel health insurance requirements, particularly in the context of the COVID-19 pandemic.
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Frequently asked questions
AARP does not provide travel medical insurance, but it does offer members a 20% discount on Medjet packages. Medjet will transport you to the nearest acceptable medical facility, even if that means bringing you back to your hometown.
AARP offers a wide range of travel benefits to its members, including discounted hotels, airfare, rental cars, restaurants, roadside assistance, entertainment, travel protection, and expedited passport services. AARP also provides members with access to destination guides, travel advice, tips, tools, and vacation ideas.
It is important to note that travel medical insurance is not the same as health insurance, and it may not cover medical care or cancellation due to illness or disease outbreaks. It is also worth considering that some plans do not cover medical care for injuries resulting from high-risk activities. Therefore, it is essential to carefully review the terms and conditions of your travel medical insurance plan before purchasing.
