Want to Travel in Retirement? Follow These 6 Rules

Summary: Traveling in retirement offers the freedom to explore at your own pace. This article gives you six tips for stress-free and adventurous retirement travel.

We all look forward to retirement as a time finally to embrace adventure and travel the world. But, whether it’s visiting far-off exotic places you’ve long dreamed of or gassing up an RV for an epic road trip, there are essential rules you should follow to make the most of your journey.

Here are six tips to help you travel smarter, stress less and soak up every moment of your adventures.

1. Visit less popular places off-season

Popular tourist spots during peak season can be a nightmare, not to mention expensive. Now that you are retired, you have the flexibility to travel any time, so planning your trip during the off-season may help you avoid crowds and long lines. For example, if you want to visit Europe, consider visiting during shoulder season months, like April or October. Not only will you avoid the mass of tourists that visit during peak summer months, but you may also save money on airfare and accommodations.

Also, consider other cities besides those that are well-known tourist spots. Although Paris and Barcelona are popular bucket-list destinations, tourists often overcrowd them. You can still immerse yourself in the culture of other countries by visiting smaller, lesser-known places. For example, consider visiting the medieval city of Girona or the port city of Tarragona instead of Barcelona.

2. Pack light

Lugging around a giant suitcase can be a pain. Traveling light makes your journey easier, especially if you’re moving between cities or hopping on and off trains or buses. A carry-on bag and a personal item should be more than enough for most quick trips. A carry-on backpack is easier if your back is up to it. Plus, it’ll save you time at baggage claim, and you avoid the risk of losing checked luggage.

When you’re packing, stick to lightweight, neutral-colored clothing that you can mix and match. It’s wise to wear layers, in case the weather changes during your trip, and put on comfy shoes. Opt for one or two pairs of shoes that are comfortable enough to spend all day walking in.

3. Take time to smell the flowers

Rushing from one attraction to another during your vacation can be exhausting. So, on your travels, schedule some downtime to just enjoy your surroundings. A good way to add some leisure time to your vacation schedule is to plan excursions every other day, giving you a day to rest and relax.

Traveling is about savoring every experience and appreciating other cultures. Sit at a sidewalk café and enjoy your morning coffee, stroll through the park or sip a glass of wine and watch people pass by. These moments may become your most cherished memories.

4. Learn the local language

If you are traveling to different countries, it’s a good idea to familiarize yourself with at least a few words in the local language. A simple “hello,” “please” and “thank you” in the local language go a long way in showing respect and goodwill. Don’t be too afraid to make mistakes. Most locals will appreciate your effort.

Learning the language can also help you navigate unfamiliar places, order food, ask for directions or even engage in friendly conversation. There are many apps available to help you with pronunciation and translation on the go.¹

5. Be flexible

Vacation spreadsheets are great, but what if it rains on your outdoor day? While it’s fine to have a plan of what you want to do and see when you travel, you should be flexible with your schedule. Make a list of the things you want to do, but wait until you get to your destination to decide what day you will do those things. That way, you can look at the local forecast to see if the weather is going to hamper your plans.

The key is not to stress if things don’t go exactly as planned. A delayed flight, rainy day or last-minute change in your itinerary isn’t the end of the world. And, sometimes, those unplanned moments become the highlights of your trip.

6. Get travel insurance coverage

Unexpected situations can happen. That’s why it’s wise to be prepared by having travel insurance. A good travel insurance policy can cover trip cancellations, lost luggage, medical emergencies and evacuations if needed.

If you have a medical emergency while traveling internationally, limitations may apply to your Medicare coverage. Having supplemental travel insurance that includes medical coverage may help ensure that you’re protected in case of a medical emergency. While no one likes to think about worst-case scenarios, having the right coverage can give you the peace of mind you need to focus on your adventure.

Your adventure, your rules

Travel in retirement is your time to explore the world on your terms. By following these six rules, you can set yourself up for a stress-free and perfect post-retirement trip.

So book that flight, plan that road trip and embark on your next journey. The world is waiting, and now you have the time and flexibility to enjoy it. Visit Mutual of Omaha for more smart travel planning tips.

Frequently Asked Questions

Q1: Does Medicare cover medical care while traveling?

If you’re retirement travel planning, it’s important to understand what your health insurance covers. Medicare rarely provides coverage for medical care outside the United States, except in limited situations. However, some Medicare Advantage plans and Medicare supplement insurance may offer international emergency coverage for the first 60 days of travel outside of the country.  For traveling within the U.S., Medicare will cover medical services, as long as the provider accepts Medicare.

Q2: Is 70 too old to travel?

You can continue to travel regardless of your age, as long as you’re in good health and plan wisely. Many people in their 70s, or older, set out to explore the world and embrace new experiences and cultures.

That said, it’s important to travel in a way that suits your comfort and needs. Consider destinations with easy accessibility, plan for adequate rest and ensure you have health coverage for your trip.

Q3: How much money do you need to travel in retirement?

The amount you need to travel in retirement depends on factors such as your destination, travel style, trip length and personal budget. According to an article in Kiplinger’s, retirees should plan to spend between $10,000 to $50,000 a year on travel.¹ Cost will vary depending on whether you are a frugal traveler or if you prefer more luxury travel.

You can save money on travel by visiting places during the off-season and taking advantage of senior discounts. Organizations like AARP and AAA offer great deals on travel-related expenses like flights, rental cars and cruises. The key is to ensure your travel expenses align with your overall financial goals so you can explore the world without financial stress.

Sources

1. com, Our Favorite Language Learning Apps (and a Pocket Translator), August 2023
2. Kiplinger, Four Keys to Budgeting for Travel in Retirement | Kiplinger, February 2024

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