Travel Insurance for Pensioners? Travel Insurance for Over 65s - What You Need To Know
Just because you've reached a certain age is no reason to settle
down quietly! The problem with traveling once a person reaches
a certain age is that certain activities become more risky in terms
of health and fitness, and setbacks which were minor previously
are now deadly-serious. This is no reason that a person over the
age of 65 should stop traveling, not at all, but it does remain
that certain precautions have to be taken. In the case of senior
citizens or pensioners, travel insurance is a great idea, and when
you go to purchase some, there are a few things to keep in mind
One thing that is almost a forgone conclusion is that travel insurance
for the elderly will be more pricy than it would be for a younger
individual who was in the peak of health. This does not mean, however
that it is unaffordable, nor does it mean that it should be ignored!
Insurance companies, no matter what type the specialize in, will
often refuse to cover pre-existing conditions. In the case of the
elderly, this can be a major concern. This becomes even more troublesome
when you realize that travel insurance usually does not cover pre-existing
medical conditions, while health insurance won't cover costs incurred
while overseas! A few insurance agencies have resolved this issue
somewhat: if you can provide proof of health insurance, they will
agree to cover the pre-existing health costs that might occur.
It is worth checking into places like these and confirming with
your health insurance that this is a wise move to take, but this
is one option that is available to seniors who are interested in
various parts of the world.
As with any other form of insurance, it is possible to buy no-exam
travel insurance online, where you can purchase insurance sight-unseen
no matter what your situation is. In this case, be prepared to
pay a relatively high premium, and also remember to check this
company through your state's Department of Insurance!
If at all possible, you should reduce costs by purchasing an insurance
policy that will specifically meet your needs. While accidents
can happen everywhere, you'll probably need less insurance for
sailing on a cruise than hiking the mountains of Europe. If you
are a senior, you should be able to find specific travel insurance
policies that will cover cruises and retreats. Regardless of how
safe it sounds, your insurance policy can help you out. If you've
fallen ill, you'll certainly be grateful for the full coverage.
As you can see, getting older is no excuse for staying at home.
Pick up your passport, select your insurance policy and you can
set off around the world!