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Travel Cambodia - Phnom Penh, Angkor Wat, Sihanoukville
Cambodia is a land on the mend. From 1977 through 1980, the Khmer Rouge ruled the country, fanatics bent on genocide. Millions were killed and the period was put to film in the movie, "The Killing Fields." Fortunately, those days are over and the...
Travel Insurance - Do I Really Need To Buy Cover For A Holiday In Britain?
Last week my wife and I booked a seven day holiday in Tobermory
on the wonderful Isle of Mull. All that grand scenery with
brightly painted houses clustered around the harbour. Hands up
who knows Tobermory as Balamory!
You could have...
Travel Tips Brazil
Important Information Before Going to Brazil
Brazil has a very diverse culture and a wonderful climate.
Summer starts in December and ends in February in this South
American country. So before going on a trip to Brazil, one has
to have...
Traveling and Your Valuables
Keeping Your Valuables While Traveling
Traveling, be it just across state or to another country is
always a great experience. To help people enjoy it rather than
having an untoward incident such as losing one's passport or
other items such...
Travelling in the Arabian Peninsula
It may seem in the days of mass tourism and cheap worldwide flights that no stone has been left unturned in our pursuit of the unexplored. However, Arabia still offers much in the way of mystery and exoticism.
If you are brave enough to venture...
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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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