Age Limit (Travel)

The Age Limit (Travel) refers to the maximum age at which a person is eligible for emergency medical travel insurance coverage or specific benefits under a health or dental plan. Insurers impose age limits to manage risk, as medical expenses tend to rise significantly with age and the likelihood of pre-existing conditions increases.

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For most individual health plans that include emergency travel medical coverage, the age limit often falls between 70 and 80 years old, depending on the insurer and plan type. For example, some plans provide full coverage up to age 69, reduced coverage from ages 70–79, and complete termination at 80.

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These limits can apply in several ways:

• Eligibility cutoff: Coverage is unavailable once you reach a certain age (e.g., you cannot enroll past age 80).
• Coverage reduction: The maximum benefit or trip length decreases after a certain age (e.g., coverage drops from $5 million to $1 million, or from 60 days to 15 days per trip).

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Age limits are particularly important for retirees or snowbirds, as exceeding the plan’s limit without realizing it can leave travellers uninsured abroad. It’s vital to confirm both the age threshold and the trip duration limit before traveling, especially near birthdays that might move you into a higher-risk bracket.

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Example:

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A plan may cover emergency medical travel for trips up to 60 days for individuals under 70, reduce that to 30 days for those aged 70–74, and stop coverage entirely once the insured turns 80.