|
|
|
Car Insurance Issues for Travelers
There are several insurance coverage issues when you drive a
vehicle that you do not own especially when traveling. Here are
some examples:
1. Even if you decide that your predominate means of
transportation for traveling will be by either...
China Travel Tips
Survival China Travel Tips and Tricks These China Travel Tips, Survival Techniques, will help you get around and make your trip to China easier, so you will be able to experience the real China with a little less stress. China is an odd beast...
Do You Make These Air Travel Mistakes?
You're sitting at home thinking about tomorrow's plane journey. Remember last time ? Remember how you felt when you arrived ? Aggravated, stressed, hot, tired, needing a couple of days to recover ? Did you make these mistakes ?
* Packed your...
GOLDEN RING of Russia - Travel Guide, Part 2
Sergiev Posad (founded in 1345, population 115,000) - the spiritual center of Russia, residence of the Patriarch of the Russian Orthodox Church, where the remains of the first national saint, Sergei Radonezh, rests. In the heart of Sergiev Posad is...
Where Should You Travel With Children?
So you've made up your mind that you are going on a family vacation. And the next question is ~ where to? There are many places for a family vacation but not all of them will have what you need for an enjoyable trip. Since you are going together...
|
|
| |
|
|
|
|
|
|
Oldsters Overseas - What Seniors Pay for Travel Insurance
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.
|
|
|
|
|
|