Before booking your next holiday, make sure you purchase travel insurance. Travel insurance provides protection and peace of mind while overseas.
More seniors all over the world are enjoying the benefits of retirement and choosing to reward themselves with overseas holidays. When traveling overseas, seniors need to make sure they find good options for cheap international car insurance for the duration of their trip.
Additionally, when planning a trip, it’s crucial for all mature-aged travelers to opt for the right type of travel insurance.
Why do seniors need travel insurance?
Traveling comes with risk, no matter how close or how far abroad you go. Having travel insurance is the best way for seniors to protect themselves from any unforeseen events or accidents.
Seniors travel insurance applies to anyone 50 years of age and older and will cover you for any overseas medical emergencies or expenses as well as travel-related issues such as lost luggage, depending on your policy.
Senior travel insurance will provide you with confidence knowing that:
- You have 24/7 support and can contact emergency assistance any time you are faced with an issue or emergency.
- You are covered for unexpected medical expenses or hospitalization costs.
- You have access to a registered nurse who will escort you home if you are unwell or injured.
- You will be compensated for any flight cancellations or delays.
- You will be covered for any natural disasters, lost or stolen luggage, or any rental car-related accidents while abroad.
Of course, these statements may vary depending on the limits of your travel insurance policy. Make sure you check the specifics of your insurance policy to see what is included. Not all travel insurance is created equal, after all.
How to find the right cover for you
It’s important to know exactly what type of senior travel insurance you need. Generally, there are three main levels of cover to choose from:
- Basic – This option is often the cheapest since it provides fewer benefits. Usually basic cover only covers overseas emergency medical expenses.
- Mid-range – This is the intermediate cover option, usually providing cover for overseas emergency medical expenses, cancellations, and lost or damaged luggage.
- Comprehensive – This insurance option provides the highest level of cover for seniors. In addition to overseas emergency medical expenses, cancellation cover, and lost or damaged luggage cover, it will also provide cover for travel delays, alternative transport expenses, and additional benefits such as 24/7 assistance and cover for death or disability resulting from an accident.
Travel insurance for seniors is generally more expensive than for those under the age of 50. This is usually because of factors such as the perceived higher risk and different medical requirements associated with older travelers.
However, if you shop around, you’re likely to find that the cost of a policy varies from one provider to another. Comparing travel insurance is just one easy tip for older travelers to keep in mind when planning a trip.
What to do before purchasing travel insurance
Senior travelers are advised to visit their local GP for a health-check and medical exam before purchasing travel insurance.
Find out if you will need any vaccinations or immunizations for your chosen destination, and be sure to get a doctor’s note if you’ll be taking medications with you. Some countries prohibit certain medications, while many require a doctor’s note detailing your medication.
And always remember to bring your medication in its original packaging, as this makes it easier to declare when going through customs.
Seniors who have pre-existing medical conditions are obligated to disclose this to their insurer. Your insurer can then factor this into your policy and provide the most suitable cover for you.
A pre-existing medical condition is any health condition for which you’ve received medical advice, on-going treatment, or medication in past years – the exact time period will depend on your insurer.
If you’re unsure if your medical condition should be declared, speak to your insurer and they will help determine the right option for you.
Things to consider in addition to travel insurance
Travel insurance helps to provide protection and ensures your safety while on holiday or when traveling after retirement. In addition to purchasing an insurance cover, you might want to factor in the following considerations to make sure that your next journey is a safe and pleasant one.
- If you’re boarding a long-distance flight, be aware of the health risk known as deep vein thrombosis (DVT). Researchers believe that there’s a slightly higher risk of DVT when traveling on long flights. DVT happens from extended periods of sitting, with elderly persons, and those with circulatory problems or heart disease are more at risk.
- Drink plenty of water during your travels, especially if you’re going by plane. Try to limit your caffeine and alcohol intake while traveling. These liquids can be dehydrating which can lead to fatigue and increased jet lag.
- Carry all valuables such as your wallet, passport, and identification with you at all times. Be sure to pack your required medication and personal items such as prescription glasses with you in your onboard luggage for easy access.
- Don’t underestimate how much technology can help you when you’re on the go. Use travel-focused apps to help with everything from preparing for your holiday to managing currency and language while abroad.
With these tips and travel insurance, you will be able to fully enjoy your next holiday without worrying about the ‘what if’ scenario. Have a great trip!
This is a guest post by Luke Fitzpatrick.