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8-Tips for Packing and Traveling Lite
How-to Pack and Travel Lite In this day and age of traveling cephalalgia, there are a few packing tactics to employ. To cut out an extra thirty to forty minutes at the arriving airport, start with packing small luggage. Since carry-ons can not...
e-Marginalia: Travel Beyond the Margin
Does this sound familiar? You return from vacation and the first thing you do is call or email your best friend. You are brimming with exciting news, practically bursting to give a full report on the adventure you just enjoyed. And for a couple of...
Is Purchasing Travel Insurance Smart?
To answer the question "is purchasing travel insurance smart?" let's look at what insurance is. When you purchase insurance - health insurance, homeowner's insurance, car insurance, life insurance, or travel insurance - you're not making an...
Saving Money On Travel These Holidays
Holiday travel is expensive! Gas prices are unpredictable, hotel
rates can be high for the peak travel season, and rental cars
are always more pricey than you'd like them to be. Thanks to
online coupons you may find a great deal of savings on the...
Travelling in Chennai
Travelling in Chennai Chennai being one of the 4 largest cities in India maybe daunting for the foreigner who visits it for the first time. The public transport is efficient BUS as well as MRTS but it tends to get crowded during peak times. Auto...
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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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