Travel Insurance For Seniors
Travel insurance for seniors can be more difficult to obtain than one might imagine. Before the age of 55 most people can get travel insurance, even if it’s health related, without too much of a hassle. As you get older, not only does it get more difficult to get medical and life insurance, quality travel insurance is more difficult to come by. Unfortunately, this is not just your average age discrimination, with age comes more risk for insurance companies, whether we want to admit it or not. But, age doesn’t make one less likely to need the insurance, so you still need it! What do you do?
Most of the time, you simply need to try harder. When you know that you’ll be taking a trip abroad, you should start seeking travel insurance right away. Even if your trip is scheduled in three or six months, it’s better to start looking right away so you can secure the travel insurance that will make traveling abroad more comfortable and less risky for you. Travel insurance agents will understand why you are looking far in advance, as they are all aware what a predicament you are in.
The first thing you’ll want to do is contact your insurance company that provides you with your health care insurance or even your car insurance. A lot of the time, your insurance company that you are already working with offers travel insurance and because they know you they are even more willing to work with you. Just because you are over 55 or 65 (common ages when finding travel insurance becomes more difficult) your health care insurance provider can look over your past and present medical needs and determine that you are safe to travel and they’ll usually extend a travel insurance policy to you. If they are not able to provide you with the travel insurance that you need, many times they will be able to give you the contact information of someone who can offer it to you, despite your senior status.
Through phone calls or browsing on the Internet you’ll likely find a senior travel insurance policy that will provide you with what you need. Don’t just accept the first policy that crosses your path if it does not cover the issues that you need it to, move on or save the information until you find a policy that truly fits your needs. As stated above, this may take some time and that is why starting early is better so you don’t feel rushed or stressed by the search.
When you find a travel insurance policy that you believe fits your needs, you’ll have to apply and disclose your age and any pre-existing conditions. The reason that an insurance company needs this information, as they typically won’t cover the pre-existing condition. Heart problems, diabetes, asthma, or even kidney and liver problems are all things that you’ll need to disclose, as well as any other conditions you may have. If you have a condition that the insurance company considers a pre-existing condition, you need to be careful of the insurer that you go with. Because your health puts you at risk of needing medical attention, you should be very aware of what sort of coverage your travel insurance will give you as well as what sort of coverage you’ll receive abroad from your regular health insurance. You should never lie or omit information about your health, as it can end up costing you more in the long run.
Many seniors feel as though they cannot get travel insurance and that simply is not true, you just might have to work a bit harder to find a good policy that covers you. If medical coverage is your sticking point, check with the coverage that your health insurance allows when you are traveling abroad. You may be surprised to find that you are already well covered. If you want protection from theft or loss, flight cancellation or similar things, you may find that excluding the need for medical insurance makes the process much easier.
When you do finally find that travel insurance policy that you need, consider asking for a multi-trip policy. This will save you from going through the hassle of finding senior travel insurance next time you have travel needs, it will also provide you with insurance when you travel to the country for the weekend or anywhere else for two nights or longer. It’s worth the extra fee if you believe you’ll be traveling more than once in the next twelve months.
Remember that your age is not a reason to accept a lacking insurance policy. You deserve the policy you need, just as someone who is 30 years old and in good health does. Don’t let the lack of senior travel insurance providers hold you back from doing the traveling you have always wanted to do! Not every senior likes to sit in a rocking chair and only dream of traveling, some like to do it, with the added security of travel insurance, and they can!
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