• 02
  Apr
  2010

• Older and Wiser: Finding Affordable Senior Travel Insurance

  
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The Pyramids of Gaza and the Great Wall of China—perhaps places that are on many peoples’ to-visit lists. Retirement, they might wish, will bring them closer to reality. When researching tickets and travel insurance, though, seniors are sometimes in for a shock. Affordable international travel insurance is not that easy to come by!

While it is not easy to look for and find good, dependable travel insurance for seniors at cheap prices, it is not impossible. One of the tricks to it is to research and compare prices. Don’t go with the first plan suggested.

Remember that Medicare covers overseas travel under specialized conditions. While it is unlikely that it will cover your recreational trip to Egypt, it doesn’t hurt to ask. Also remember that all this research and asking around will take some time, and it is best to start looking for insurance early.

Also, consider your health and look for appropriate insurance benefits. While many plans restrict the maximum benefit to $50,000, remember that the dollar goes a long way in many parts of the world, and that coverage may be more than enough. Finally, always read the fine print of the plan, and if possible, have a paper trail of communication with the insurance company.

Travel tip:: If you’re a senior traveling abroad, you may want to think about the benefits you need. You may not need hazardous sports insurance, for example.

• 01
  Apr
  2010

• Don’t Go Overboard with Student Travel Insurance

  
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When a student, rarely does one want to spend on anything but the most necessary expenses. It is but natural that student travel insurance is not on top of the to-do list of the student traveler.

It is true that not all situations call for the same travel insurance when traveling as a student. Some features of travel medical insurance and trip cancellation insurance may only be needed under certain circumstances.

If you’re a student about to undertake international travel, ask yourself the following question: Is there a hefty cost to my trip getting postponed or cancelled? Air tickets can typically be rescheduled. If you’re traveling on a budget and your accommodation consists of hostel-type accommodation, the penalties for cancellation may not be very high either.

Also ask yourself whether you have coverage through another source. If you’re going overseas on a study abroad program, for example, you may already have coverage. However, if you do not have any coverage, it is important to act responsibly and purchase appropriate coverage.

Travel tip: When looking for student plans, certainly factor in additional coverage for adventurous sports if you like to participate in them, even if you have not planned any such activity yet.