For many retirees or older citizens who have some extra time on their hands, taking a cruise or traveling internationally to see the many wonders of the world is a dream come true. But when planning a vacation like this, travel insurance for senior citizens should be considered and will provide a safeguard against many of the unexpected possibilities when traveling. Because sudden health emergencies, trip cancelations and other issues can come up at any time during your trip, it’s important to have the coverage needed to get home safely.
Types of Mature Age Cover
There are a number of options for seniors when purchasing mature age travel insurance for a planned trip, and it is thus essential to determine what coverage is needed. The destination, type of travel and luggage are all considerations, and the advice of a professional should be sought if the traveler is unsure. Basic coverage that will typically include emergency medical and hospital costs, and many providers offer package plans that includes different types of coverage, including:
- Emergency medical coverage
- Accident or dismemberment coverage
- Hospital stay coverage
- Emergency evacuation
- Trip cancellation coverage
- Lost/stolen luggage coverage
Before buying any seniors travel insurance policy it is important to look for any age restrictions or limits. Many insurance companies have different policies for senior travelers aged over 60 or in some cases over 70. There are also providers that specialize in travel insurance for mature age travelers, and this can lead to more competitive premium prices.
Pre-Existing Conditions
Pre-existing medical conditions are often a concern for older people when they travel. Depending on the medical condition, you may need to submit paperwork from your physician stating that you are fit to travel if you have certain health conditions. When applying for coverage, ask to see a preexisting conditions list to see if your health problems are automatically covered. Full disclosure is important when applying for any type of insurance so if in doubt ask – this will avoid a potential claim being declined.
A preexisting condition should not necessarily deter a senior citizen from traveling or from purchasing travel insurance. It is just important to ensure that you have adequate coverage.
Benefits of Travel
Being able to travel to new places is a wonderful way to start the next phase in your life. With the proper seniors travel insurance policy, you will be able to add a little more excitement and adventure to your life, spend time with loved ones and have some good stories to tell when you arrive home.
