7 Helpful Tips for Seniors Traveling Abroad

This blog was written by the consumer lending experts at ElderLife Financial Services.

Reaching retirement often means finally having the time – and freedom – to explore the world. International travel opens the door to new experiences and opportunities to connect with different cultures, but for many older adults, a successful trip depends on thoughtful preparation.

Before you pack your suitcase, follow this international travel checklist for seniors to ensure you feel safe, organized and confident when traveling abroad.

1. Make sure travel documents are up to date
2. Review health insurance and Medicare coverage
3. Protect yourself with a travel insurance policy
4. Notify financial institutions before you leave
5. Create a detailed travel budget
6. Beware of scams
7. Ensure emergency contacts are easy to access

1. Make sure travel documents are up to date

Review all important travel documents before any international travel. It’s especially important to check the expiration date on your passport, as many countries require it to be valid for at least six months beyond your travel date.

Since processing periods can vary significantly, visa rules for any destination should be reviewed well ahead of the trip. Updating documents early helps you avoid delays, unexpected fees and potential disruptions at the airport.

2. Review health insurance and Medicare coverage

Medical coverage differs from country to country, so it’s important to understand what care services you’ll have access to while traveling abroad. Research the healthcare system in the country you’re visiting and ask your insurance agent whether your policy includes international benefits. Medicare beneficiaries should pay close attention – in most cases, government benefits such as Medicare don’t cover treatment outside the U.S. Reviewing your coverage beforehand can prevent costly surprises later.

3. Protect yourself with a travel insurance policy

A comprehensive travel insurance plan is a must for older travelers. These policies can help safeguard you financially if you face a medical emergency abroad, need to cancel the trip unexpectedly or lose personal belongings in transit.

Look for senior travel insurance that covers emergency medical care, medical evacuation, trip cancellation and protection for lost or delayed baggage. A few extra dollars upfront can save you thousands in the event of an emergency.

4. Notify financial institutions before you leave

To prevent your accounts from being flagged for suspicious activity, contact your bank and credit card companies and let them know about travel dates and destinations. Some banks offer travel-friendly cards and reduced fees for foreign transactions, so it may also be worth asking about these options.

5. Create a detailed travel budget

Research the average cost of living in the area you’re visiting to get an idea of what you can expect. Things to account for include lodging, meals, transportation, entertainment and everyday expenses.

Having a clear budget provides peace of mind and ensures you can enjoy your trip without worries of overspending.

6. Beware of scams

Unfortunately, tourists – especially older adults – can be prime targets for fraud. Be cautious with personal information and avoid deals or offers that seem too good to be true. Stick with trusted tour companies, verified transportation services and well-reviewed accommodations.

7. Ensure emergency contacts are easy to access

Whether you’re traveling solo or with companions, having an emergency contact plan abroad is essential for older adults. Contact information for family members, your doctor and any relevant insurance providers should all be included. Save a digital copy on your smartphone and carry a printed version in your wallet or purse. If an emergency arises, having this info readily available can help you get quick assistance.

A detailed plan can make your next excursion more enjoyable

International travel can be one of the most fulfilling parts of retirement, and with proper planning, you can explore the world comfortably and safely. Taking the time to prepare – financially, medically and logistically – will help you travel with confidence and enjoy every moment of your adventure.