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Oldsters Overseas - What Seniors Pay for Travel Insurance |
by:
Steve Cogger |
While travel medical insurance for senior citizens generally carrieshigher premium andlower 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 eightzero years old, with no maximum age. The maximum coverage for those older than sevennine, however, islow $onezero,zerozerozero.
Another waslittle more generous with its ceiling for elders through sevennine years, although premiums for this travel medical insurance for senior citizens was still costlier than those for younger travelers. With this insurercouple betweenages of sixfive and sixnine can still purchase up to $one million of emergency medical coverage with their travel insurance, and as low as$twofivezero deductible. For this senior citizen couple travel insurance coverage for this single trip would cost $fourthreeeight. At age sevenzeromaximum drops way down to $fivezero,zerozerozero and each policy must be purchased separately. The per-person cost forsame trip is now $twoonenine each for only $fivezero,zerozerozero of travel medical insurance for these senior citizens.
Now, let's assume these folks are eightzero years old. Whatcostly difference in this travel medical insurance for these senior citizens! Nowmost coverage this couple could purchase is $onezero,zerozerozero each, atwhopping $fiveoneeight each forsame $twofivezero deductible. The deductible can be increased to $twofivezerozero, which lowerspremium to $threefivezero.sevenzero.
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 ofUnited States, your Medicare supplement coverage might - or at least for some situations.
If you're wanting to save on your travel insurance premiumtwo best things you can do for yourself are to first book your trip withtravel agent you trust, and then chooseairline, cruise or other vacation vendor that is well known and not in financial distress.
AboutAuthor
Steve Cogger is webmaster of http://www.one-Happy-Traveller.com Visitsite today to receive all ofinformation on travel insurance you could possibly need. |
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