More and more seniors have become more than ever big on traveling which is why there are many insurance companies looking to selling seniors over 70 travel insurance. If you are an over seventy years of age senior and this is what you’re exactly looking for then read on and find out the things that you need to know before you sign the dotted line.
If you’re traveling within the United States territory with certain medical conditions and plan on staying there say longer than a week consider a medical over 70 travel insurance. If you already have health insurance it wouldn’t hurt to check first the full extent of coverage i.e. whether you can make health insurance claims while traveling before you apply for insurance for traveling as there is no sense to spend for something you may not use at all.
If the travel plan is to go beyond United States borders and stay there longer than 5 days then check your health insurance because many of these companies have little to no coverage at all outside United States territory. With medical insurance for your travels you will be asked to declare all pre-existing medical conditions in your application forms so please don’t skip out some just because it’s being controlled by medications.
It’s more practical and cheaper for an over 70 year old frequent flier to get insured for multi-trip travels (also called annual travel insurance). This saves you from paperwork and from supplying your personal information again and again.
Not all insurance companies offer the same things in their over 70 travel insurance category. So assess your needs are first (i.e. get insured for loss of car rental, accidental death and disability, and stolen personal effects among other things), the length of your stay, and the sorts of things you are likely to do while having your vacation.
Before signing the dotted line, make sure that you have understood the terms and conditions of your policy, what you are and are not covered for, and how to contact your insurer in case the need arises. This is critical to the success (or failure) of your insurance claims if you ever need to.
Fact is over 70 travel insurance is more expensive because insurance companies expect more claims from this age group not really because of your age but because of your health condition. For this reason it is a must that you visit a variety of insurers and ask for the range of options best suited for your needs and don’t forget to check on the age limit as some don’t cover seniors beyond 70.
For the technically inclined senior, you don’t have to physically hop from one insurer to the next for your over 70 travel insurance quotes. All you have to do is surf the Internet for top insurance companies as most of these offer free quotes online. This makes your comparison easier but if you ever need a walk through go ahead pick up the phone and make that call.