• Travel Insurance Blog

  • Wednesday, May 16, 2012

People who have crossed the age of 65 years find it really difficult to get an insurance provider who offers an affordable international travel insurance plan with comprehensive benefits. This is because the chances of older people encountering medical exigencies and filing claims are statistically and understandably too high, especially due to the age factor.

In addition, the senior citizens have greater chances of getting into serious medical complications as compared to young adults and hence the amount filed for claims is way too high as compared to the younger policyholders.

Hence, even if the senior citizens happen to be eligible for certain beneficial travel insurance policies, the premiums that they are required to pay are at skyrocketing levels and many of them find it very difficult to afford such high prices during their old age. In fact, some insurance providers charge the senior citizens twice or thrice higher than what they charge people who are under 65!

Many insurance providers refuse to cover an individual above 70 years and if people want travel insurance coverage when they are over 80 yeas, the choices are too limited to very few specialist insurance providers.

Imagine you are on a trip and suddenly you encounter sudden medical exigency. Here are some tips on what you need to do immediately

  • Call your international travel insurance helpline number who can assist your with their service providers network. They would guide you in case any emergency and assist you in getting to the nearest medical set-up

  • You may even call up the US consulate or the Embassy. They would be helpful in guiding you how to go about for obtaining medical care

  • There is a non-profit organization called International Association of Assistance to Travellers in the US. You can enrol yourself into this organization as membership is free and support them with your modest contributions. During emergencies, they have a tie-up with the doctors and medical experts who are willing to treat their members

  • Many travel insurance policies cover you for transportation to the nearest medical set-up and assist you in repatriation if required. This is the main reason why it is important to choose appropriate medical coverage while purchasing the travel insurance policy


    • Nowadays, international travel insurance policies are so easily accessible. Banks, credit card companies and even local supermarkets offer these policies. However, when you purchase a visitor medical insurance plan, there are certain guidelines of what to avoid and how to get the best deal for your investment

  • Identify the difference between sellers and resellers. Non-insurers are agencies who are not the original sellers of these travel insurance plans but they are called resellers. Hence, they would definitely charge you more to cover their overheads

  • Avoid buying travel insurance from the agents who offer the so-called all-inclusive package deal for a vacation. These agents generally charge you much more than the original price of the tourist insurance plan

  • Beware of insurance policies charging you multiple excesses while filing your claims. You would be surprised that the reimbursement you get is way too less than what you had initially filed

  • Make sure you read the small print of the travel insurance policy document so that you do not miss out those important information hidden in these minutely written text

    • With the huge range of choices for purchasing international travel insurance policies, the following tips could be of some guidance in narrowing down a suitable plan which is worth the investment

  • Consult travel agents to gain adequate information about the coverage benefits of the international travel insurance policy that you want to buy. However, perform research on the internet whether this is the best plan you can get

  • Look out on the internet for cheap discount deals that may valid for certain period of time. Some of the insurance providers offer highly beneficial deals during certain period to some must-visit destinations in a year. If you choose to visit the destination, you can save a lot of money by opting for such policies.

  • Read user reviews on the insurance providers you are planning to choose. Gather information on the efficiency of customer assistance, fastness in processing claims as well as the benefits offered at competitive prices

  • In case you have pre-existing medical conditions, look out for those visitor health insurance plans that offer coverage for those health disorders also.

  • Choose rider policies or optional coverage benefits in case they are relevant for your travel rather than buying a separate travel insurance plan.

    • Page 57 of 61 pages « First  <  55 56 57 58 59 >  Last »

    Trip Cancellation Insurance
    International Medical Insurance - Short Term

    Categories

    Recent entries

    Archives

    Features Listings
    << May 2012 >>
    S
    M
    T
    W
    T
    F
    S
    1 2 3 4 5
    6 7 8 9 10 11 12
    13 14 15 16 17 18 19
    20 21 22 23 24 25 26
    27 28 29 30 31

    Tags