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Insuring Your Travel on a Shoe String
Cheap travel insurance isn't necessarily about who's asking the lowest premium. Cheap travel insurance is about knowing your choices, perusing all the options and discarding the coverage you don't need. If you end up with cheap travel insurance that...
Record Numbers Set To Travel This Holiday
Linknet Travel News Digest - December 21, 2005 - Travel may be
expensive this time of year, but the AAA is still predicting
this will be a record year for travel in the U.S.
The organization estimates that 63.5 million Americans...
Travel Health Insurance: Reimbursement Depends On Following The Rules
(NC)—Travelling, whether for business or pleasure, involves risk. A personal emergency may necessitate an early return, or you may need hospital treatment or air evacuation due to a medical problem. Travellers should be aware that the Ontario...
Travel Tips Enjoying The Sun
How to Enjoy the Best Places under the Sun
There are people who are fond of traveling. They like to go to
places where they can recharge their souls, unwind, release the
tension from work, and simply enjoy what life has to offer.
And...
Vacation Travel Insurance Tips
Travel insurance is an important but often overlooked part of your vacation. Whether you are traveling to a foreign country or to the next state you should consider travel insurance.
Some of the reasons to have insurance are to cover medical...
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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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