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Did I Pack My Toothbrush? Getting Organized for Travel
For many of us summertime = vacation time. Some people will spend their days off at the local pool. Some may choose to sightsee in their own town. Many will leave behind the comforts of home for the open road. Regardless of the destination or...
Ten "Travel" Commandments
I. Thou shalt pack HALF the clothes you want.
II. Thou shalt take TWICE the money you will need.
III. Thou shalt pack an abundance of Patience.
IV. Thou shalt NOT count calories, especially on cruises.
V. Your extra large luggage...
Texas - The Destination for Passionate Travelers
Whenever we think of Texas vacations, what primarily comes to our mind is the beautiful scenario of Alamo located in San Antonio. During the later part of the sixteenth century, the Spanish explorers crossed the Rio Grande River in order to give...
Traveling Light - Important Packing Considerations
When you're planning a trip, you've got a lot to think about in terms of packing. It can make all the difference in whether your vacation or trip is a blast or a bore - if you forget something important, you could end up seriously regretting it....
When Traveling Abroad, Use Your EQ
What do you do when you don’t know the language or customs? That’s when your EQ, or Emotional Intelligence, comes in handy. On my recent tour to Russia, the people in large cities (Moscow, Saint Petersburg) knew English, but not in the small...
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Oldsters Overseas - What Seniors Pay for Travel Insurance
While travel medical insurance for senior citizens generally carries a higher premium and a lower maximum level of coverage it is still widely available. In fact, some carriers offer travel medical insurance for senior citizens no matter what their age. One carrier we found offered travel medical insurance for senior citizens over 80 years old, with no maximum age. The maximum coverage for those older than 79, however, is a low $10,000.
Another was a little more generous with its ceiling for elders through 79 years, although premiums for this travel medical insurance for senior citizens was still costlier than those for younger travelers. With this insurer a couple between the ages of 65 and 69 can still purchase up to $1 million of emergency medical coverage with their travel insurance, and as low as a $250 deductible. For this senior citizen couple travel insurance coverage for this single trip would cost $438. At age 70 the maximum drops way down to $50,000 and each policy must be purchased separately. The per-person cost for the same trip is now $219 each for only $50,000 of travel medical insurance for these senior citizens.
Now, let's assume these folks are 80 years old. What a costly
difference in this travel medical insurance for these senior citizens! Now the most coverage this couple could purchase is $10,000 each, at a whopping $518 each for the same $250 deductible. The deductible can be increased to $2500, which lowers the premium to $350.70.
The best course of action for senior citizens who contemplate overseas travel and are considering travel medical insurance is to first peruse their current medical coverage. Seldom do these plans cover overseas travel but do check your policy and call your insurer if you are unsure. While your Medicare coverage will not help you outside of the United States, your Medicare supplement coverage might - or at least for some situations.
If you're wanting to save on your travel insurance premium the two best things you can do for yourself are to first book your trip with a travel agent you trust, and then choose an airline, cruise or other vacation vendor that is well known and not in financial distress.
About the Author
Steve Cogger is webmaster of http://www.1-Happy-Traveller.com Visit the site today to receive all of the information on travel insurance you could possibly need.
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