Looking For Senior Travel Insurance – Here’s What You Need to Know

More and more seniors have become more than ever big on traveling which is why there are many insurance companies looking to selling seniors over 70 travel insurance. If you are an over seventy years of age senior and this is what you’re exactly looking for then read on and find out the things that you need to know before you sign the dotted line.

If you’re traveling within the United States territory with certain medical conditions and plan on staying there say longer than a week consider a medical over 70 travel insurance. If you already have health insurance it wouldn’t hurt to check first the full extent of coverage i.e. whether you can make health insurance claims while traveling before you apply for insurance for traveling as there is no sense to spend for something you may not use at all.

If the travel plan is to go beyond United States borders and stay there longer than 5 days then check your health insurance because many of these companies have little to no coverage at all outside United States territory. With medical insurance for your travels you will be asked to declare all pre-existing medical conditions in your application forms so please don’t skip out some just because it’s being controlled by medications.

It’s more practical and cheaper for an over 70 year old frequent flier to get insured for multi-trip travels (also called annual travel insurance). This saves you from paperwork and from supplying your personal information again and again.

Not all insurance companies offer the same things in their over 70 travel insurance category. So assess your needs are first (i.e. get insured for loss of car rental, accidental death and disability, and stolen personal effects among other things), the length of your stay, and the sorts of things you are likely to do while having your vacation.

Before signing the dotted line, make sure that you have understood the terms and conditions of your policy, what you are and are not covered for, and how to contact your insurer in case the need arises. This is critical to the success (or failure) of your insurance claims if you ever need to.

Fact is over 70 travel insurance is more expensive because insurance companies expect more claims from this age group not really because of your age but because of your health condition. For this reason it is a must that you visit a variety of insurers and ask for the range of options best suited for your needs and don’t forget to check on the age limit as some don’t cover seniors beyond 70.

For the technically inclined senior, you don’t have to physically hop from one insurer to the next for your over 70 travel insurance quotes. All you have to do is surf the Internet for top insurance companies as most of these offer free quotes online. This makes your comparison easier but if you ever need a walk through go ahead pick up the phone and make that call.

Senior Travel Insurance Pros and Cons

As a senior over 70 travel insurance is a something that you should have whenever you travel alone or even when you choose to be part of a group tour. However do you really need to take a travel insurance and this really important?

In your travels there is always the risk of you getting hospitalized, flight cancellations, natural disasters occurring, you getting sick, and you losing your luggage to thieves. Having an over 70 travel insurance reduces the amount of money you are going to spend when these things do happen as you travel.

Being insured as you travel is sharing the risks mentioned above with your insurer. Hopefully, the scenarios below will help you understand the why you a senior over 70 need to have travel insurance.

For instance, as you are vacationing at a beach resort when a strong earthquake suddenly occurred and you found yourself in danger of becoming a victim tsunami. If in your policy you are insured for natural disasters, you are helping yourself and your family deal with the consequences afterward especially if the consequence is accidental death or permanent disability if this is part of your over 70 travel insurance policy.

In the recent eruption of Iceland’s long dormant volcano, many flights were canceled and travelers became stranded in various airports all over Europe. There were many travelers who did not have insurance thinking it was expensive. Still some of those who were insured found their coverage not enough for hotel accommodations simply because such a thing was not expected to happen.

It’s you and your wife’s first time visiting a non English speaking country and your passport and wallet with your money and credit cards in it were stolen. You can call your bank for wire transfer but essentially how can you arrange this when you cannot speak a foreign language? This is where your travel insurance becomes very useful.

You were traveling alone and were suddenly taken ill and had to be hospitalized? You found out your health insurance does not cover you outside of the United States, how do you take care of your medical bills then? If you are covered for this eventuality in your over 70 travel insurance policy then the insurance company will take of these things for you, if medical evacuation or being reunited with a loved one in a foreign hospital is covered so much the better right?

Your daughter who is traveling with you figured in an accident at a ski resort further you found out that medical services are not adequate in that area or they are too expensive. How can you bring your daughter home for the proper medical attention she deserves?

Perhaps you are waiting for the cons? There are no cons really, its just that many seniors do not appreciate the importance of having insurance in their travels because they do not put into consideration the number of things that could happen to them in their travels.

Mind you it is not only important to be insured, it is also important that you understand how to make your over 70 travel insurance policy work. So, before embarking on your next trip to Hawaii discuss with your insurance company what to do in cases of emergency.

The Importance of Securing the Correct Travel Insurance

Traveling with the family is one of the most keenly anticipated events for anyone who wants to get a much-needed break. The same event may turn out to be a taxing experience if family members are not insured sufficiently. This is where the travel insurance comes into the picture. Travel insurance is extremely important for those going on a travel, particularly those going on a long distance air or ship travel. Travel insurance provides a number of features, which covers the traveling family from unforeseen happenings during the trip. Travel insurance will ensure that the family gets to enjoy their trip whole heartedly without worrying about the various minor external factors.

Your insurance covers the traveler from various unforeseen events such as trip cancellation due to various unforeseen events including ill health, weather conditions and airline strikes. In the case of accidental death of the traveler, the family will be compensated with the insured amount. There are occasions when the traveling family has to but accommodation, food and clothing due to flight delays. In such instances, the insured person will be able to get the amount reimbursed. Travel insurance also compensates the traveler for any damages done to their personal baggage and also if the baggage gets lost. Medical insurance protects the travelers from expenses incurred on treatments received for any ailment during the vacation stay in a foreign land. These are some of the unexpected events that can be managed by taking travel insurance.

Before starting the trip, one might question the need for any insurance, as all the events are unforeseen, which may occur or may not occur. But since the family is traveling to a foreign land, chances of unforeseen events are relatively high. To cover against the negative effects of these events, one needs to be sufficiently covered. There are many public and private insurance companies, which provide travel insurance protection packages for the traveling public. There are online informational web sites, which can be used to compare the insurance premium that one needs to pay for getting coverage. These web sites compare the premiums charged by various companies and provide it to the user, after the user provides the necessary information such as the period of travel and number of members traveling.

It is extremely important for a traveler to insure himself/herself and also the family members when going on a long out of the country vacation.