Travel Insurance for Seniors Over 75 with COPD
COPD affects millions of seniors and is one of the most common conditions we see in older travelers. Here's a clear-eyed look at what insurance covers, what it doesn't, and how to travel safely with COPD at 75 or older.
The Short Answer
Seniors over 75 with COPD can purchase travel insurance. If a sudden severe COPD exacerbation occurs and requires emergency hospitalization, acute onset coverage applies. Your regular inhalers, oxygen, and routine pulmonary care are not covered — those come from home. IMG plans covering to age 99 are typically the best choice for this age bracket.
COPD and Travel Insurance: What's Covered
COPD is a pre-existing condition under every travel insurance policy — it will have been diagnosed and treated before your trip. But that doesn't mean you're unprotected. Most plans from our carriers include acute onset of pre-existing conditions:
May Be Covered (Acute Onset)
- Sudden severe exacerbation requiring ER visit
- Acute respiratory failure requiring hospitalization
- Emergency intubation or intensive respiratory care
- Emergency medical evacuation after respiratory crisis
- Emergency physician visit for acute breathing distress
Not Covered
- Regular inhaler medications (bronchodilators, steroids)
- Supplemental oxygen therapy
- Routine pulmonology appointments
- Scheduled breathing treatments or nebulizer therapy
- Pulmonary rehabilitation while traveling
- Expected progression of COPD
Best Plans for Seniors 75+ with COPD
IMG GlobeHopper Senior
Best for 75+ with COPD · Max age: Age 99
Purpose-designed for older travelers. No age cap below 99. Maintains acute onset coverage regardless of age. The safest choice for COPD patients in their late 70s, 80s, and 90s.
IMG Patriot International
Strong all-around option · Max age: Age 99
Up to $1M in medical coverage, acute onset provisions, and the IPA hospital network. Excellent for COPD travelers who want maximum medical coverage in case of a severe respiratory emergency.
Get Coverage for Your Age and Condition
Free quote tool — see exact pricing in under 2 minutes.
Which describes you?
Texas License #2608479TX