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Do I Need Travel Insurance?
Who doesn't dream of going on a cruise or an exotic location for an extended period of time. The world is a big place, and new vacation spots are opening every month. Countries that used to be offlimits are now booming ports of call. For some,...
Holland Travel - Amsterdam, Van Gogh, Anne Frank
Holland certainly has a reputation with travelers. Known for having a very liberal attitude on social issues such as prostitution and drugs, the reputation is not always deserved. Yes, marijuana and prostitution is legal, but there is so much more...
New Requirements for Travelers Between the United States and Western Hemisphere
Travelers to and from the Caribbean, Bermuda, Panama, Mexico and Canada will be required to have a passport to enter or re-enter the United States. This is a change from prior travel requirements and will affect all United States citizens entering...
Traveling To Eastern Europe
Eastern Europe offers you many opportunities to see parts of the Old World that have not been spoiled by Western commercialism. There are lakes, forests and cultures that have not yet been Westernized. Poland is a particularly attractive tourist...
Your Guide for Travel and Hotels in Columbia
When you hear the word vacation, what do you see in your mind? Vacations mean assorted things to assorted individuals. Some like to sight see while many others would enjoy nothing more than to spend the whole trip kicking back at the hotel pool. If...
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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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