Travel can be a risky venture for those over 65, over 70, and even over 75, because they are slightly more fragile than your average healthy 20-year-old. Seniors with medical conditions – and even those with no health conditions – need the right senior travel insurance coverage to protect them from financial losses.
Some of the things that can go wrong for senior travelers include the following:
A pre-existing condition reoccurs – simply by living longer, you are more likely to have a pre-existing medical condition. Should your condition reoccur while you are traveling, your medical coverage will be invalid unless you have informed the travel insurance company of the condition and purchased the pre-existing condition waiver.
You experience a medical emergency – travel involves all kinds of new experiences: strange foods, foreign climates, and different surroundings. If you get ill or are injured on your trip, how will you arrange for emergency medical transportation in an unfamiliar region?
Your tour is canceled – travel suppliers – including cruises, tours, and rentals – may have financial problems you don’t know about ahead of time. If they cease operations, how will you recover the money you paid them?
You have to be evacuated – medical evacuations are highly expensive. If you are traveling in a region where the local medical facilities cannot adequately treat your condition, how will you arrange and pay for an emergency evacuation to a qualified medical hospital? After you are treated, how will you then get back home?
Your luggage is stolen – thieves are highly resourceful and can steal luggage right out from under your nose. If you have important items – even those medications packed in your carry-on bag – how will you replace them and continue your trip?
You need help or advice – anytime you are traveling in a new place, you could be in a situation where you need travel advice or emergency assistance. You may even need help communicating in a foreign language. If you need travel advice, legal advice, or foreign language assistance, who can you call?
Medical coverage provides for emergency medical and dental care in the case of a sudden illness or injury on your trip. (Review the details of medical/dental coverage.)
Pre-existing medical condition coverage provides protection against high medical costs that result from a recurring condition. (Review the details of pre-existing condition coverage.)
Evacuation coverage arranges and pays for medically necessary evacuations or for the repatriation of a traveler’s remains. This coverage can also help a patient get home after they have been treated. (Review the details for evacuation and repatriation coverage.)
Baggage coverage provides replacement value for items that are lost, stolen, or destroyed on your trip, including the bag itself. (Review the details for baggage coverage.)
Financial default coverage provides reimbursement for payments made to a travel supplier that completely ceases operations due to financial default or bankruptcy. (Review the details of financial default coverage.)
When should you buy your senior travel insurance?
When you purchase your travel insurance may be just as important as why you purchase it.