Travel insurance is designed to protect all travelers of different ages from the financial burdens of sudden injury or illness and this is more so with senior citizens. Travel insurance for seniors can be quite expensive and this is why the elderly should endeavor to make necessary enquiries and follow due diligence checks to confirm the ability of an insurance company to deliver on its promises when such need arises.
Travel insurance that is available for seniors from some of the insurance companies include: over 65 travel insurance, over 70s travel insurance, et al. However, before taking up any of these insurance policies it is necessary for seniors to ascertain the capability of the company in question by using the following tips as stated below.
They are: first, ascertaining the insurance company’s financial ability to pay claims. Next tip is to find out the geographic spread of this company; whether it has agents or offices in the place you plan on visiting, especially if you are traveling outside the country.
Some other useful tips for people seeking over 65 travel insurance are: obtaining from the state department of the United States a list of firms that give health and emergency assistance policies. You can get this flyer or leaflet by putting a call through to (202) 647 5225. You can equally find out whether this insurance company has 24 hour toll-free customer care line if it does not have offices or agents where you are visiting.
Travel insurance for seniors may not be as easy as 1,2,3 to come by, but more and more companies seem to recognize the potential the people in this age group offers when it comes to travel insurance. Every traveler should endeavor to get information about the culture, climate of the areas you plan on visiting.
Available information can be gotten from travel agencies, libraries, travel magazines, bookstores, tourist bureau, online from different websites, etc. You can access additional information from the US State Department by once again either calling (202) 647-5225 or logging on to their website.
Another important thing to do before taking a separate over 65 travel insurance or any other travel insurance for seniors is for travelers to review their already existing health insurance or homeowner’s policy. These policies might have cover for potential mishaps of travel. Seniors should remember that the U.S. government does not pay for medical evaluations and Medicare also does not pay for services rendered by physicians or received from hospitals outside of the United States.
Lastly, make sure you make several copies of the policy and travel documents to distribute same among members of your family and friends that you trust as this may come in handy after taking one of the travel insurance for seniors.