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Budget Travel Tips 101
Everyone loves to travel (almost everyone). I certainly do. Believe it or not, doing it right and doing it on a budget takes a little skill, knowledge and practice. But the required skills are not difficult, the knowledge required is easy to obtain,...
Car Rental Safety During Traveling
What do I need to do before I leave the rental lot?
You're in a big hurry now that you're got the car, but take a
few minutes to familiarize yourself with this new car. Check the
car for interior or exterior damage. Find the lights,...
Costa Rica Travel Packages
Located in southern Central America, Costa Rica is surrounded by three different bodies of water including the Panama Canal on the southeast, the Pacific Ocean on the southwest and west and the Caribbean Ocean on the east. Because of Costa...
Travel Canada: The Calgary Stampede
Welcome travelers to Cowtown, Canada! This two-week long festival starting the first Friday after June 2nd can showcases everything under the sun to do with ranching. Here is a short description of the attractions, events and festivities this...
What to Pack for Travel: The Essentials of Business Travel Packing
Knowing what to pack for travel can make for a
smooth transition from one work location to the next. The
essentials of business travel packing take into consideration
all of the possible events that you may need to attend while
also realizing...
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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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