8 Myths About AARP Travel Insurance Debunked

Do you need travel insurance? Travel insurance is the best way to protect the money you invest in traveling while also protecting you during your journeys. AARP members have unique opportunities to save tons of money when traveling, which can help them save tons on hotels, flights, cruises, activities and more. But even with these discounts, traveling can be exceedingly expensive. That’s why the AARP recommends that seniors age 65 or older get travel insurance to help cover these costs if your trip gets canceled or cut short. Sadly, there are a lot of misconceptions about travel insurance that have caused many seniors to be without it when they need it most. And with that said, here are eight myths about AARP travel insurance debunked.

8 Active Myths | Suggest a Myth
MYTH: I won’t get sick before my trip.

Because unexpected emergencies can happen at any time it’s always good to be prepared. While many think the chances are slim, you never know when you might get sick or injured, forcing you to cancel your trip. Fortunately, travel insurance can protect you from any cancellation fees or losses, even if you cancel last-minute due to sickness or injury.

MYTH: Travel insurance won’t cover me if I lose my job.

This is a definite misconception. In fact, there are many insurance company policies that view job loss as a valid reason to cancel a trip. If you are a senior still working, and you believe yourself in danger of losing your job for any reason, you may want to get travel insurance to make up for the financial loss and emotional toil you will face that would easily ruin your trip.

MYTH: I can’t cancel a trip due to weather.

This is also false. You can cancel in cases of extreme weather that cause a delay in your trip or force you to cancel your trip altogether. This may be especially important if you are planning a trip during hurricane season. Travel insurance will cover you for these cancellations due to extreme weather.

MYTH: I would spend more money on insurance than I would if I cut my losses.

This would depend on the length of your trip and what you bring with you, but for the most part this is false. If the hotels and rentals you book have a flexible cancellation policy, you may be able to do without it, but if this is not the case all the things you cancel on your trip will add up and cost you a lot out of your wallet.

MYTH: Insurance won’t cover my possessions.

In most cases, everything you bring with you is covered to a certain extent. If you are bringing valuable clothing and jewelry with you, then you’ll want travel insurance to help cover you for these items in case they are lost or stolen. Of course, if you are bringing cheaper clothing, you may not need coverage for your personal belongings.

MYTH: My regular medical insurance will cover me overseas.

If you are traveling overseas, it is unlikely you will be covered by your regular provider. Even Original Medicare will not cover you for hospital visits overseas. Without travel medical insurance, you’ll have to pay out of pocket and up front which could cost you quite a lot. But with travel medical insurance, you can find a doctor near you that speaks English and your insurance provider will cover much of the cost of your visit.

MYTH: I should get my insurance from a qualified travel agent.

This is actually false. You should not get travel insurance from a travel agent, because they often overcharge, nor should you get coverage from a cruise line or tour operator. Instead, be sure to do a ton of research so you can get the best rates. It is recommended that you buy insurance from online providers as they offer the best rates. Check out the AARP website, for recommended providers.

MYTH: I can buy travel insurance at any time.

While you can buy travel insurance at any time, it is best not to do it at the last minute. By getting a policy as early as possible, there may be several benefits that you’ll be entitled to, including waiving of medical conditions, protection against financial troubles and even terrorism. So buy early to get the most from your insurance.