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Oldsters Overseas - What Seniors Pay for Travel Insurance
By Steve Cogger


No Win No Fee Solicitors
If you watch a lot of daytime television you will, no doubt, have seen the plethora of advertisements for No Win No Fee Solicitors. These adverts often give a scenario such as someone falling over at work and state how, if you contact these No Win No Fee Solicitors to put forward a claim, that you will only be liable to pay these solicitors if your case is successful. A friend of mine recently was unfortunate enough to suffer a debilitating fall at work due to some uneven steps outside. She fell down around thirty steps and damaged her ankle badly. When she sought advice about her accident she was told that she had a very good basis for a claim as her company was negligent to leave these steps in such an unfit state. Although her claim took time and involved many trips to the doctor for regular check ups on her ankle as well as her doctor having to give his opinion to the likely long term damage, she eventually settled her claim using No Win No Fee Solicitors. Now, although she still obviously has problems with her ankle and, to some extent always will, at least she feels she has been adequately compensated for the continued problems her injury is giving her.


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.

For more information about this article and/or the author visit http://www.1-Happy-Traveller.com

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