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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