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Travel Insurance Over 65 - Looking for Travel Insurance for Over 65?

Affordable Travel Insurance Over 65

coverage medical days conditions

Are you interested in travel insurance for over 65 years of age? Good Neighbor Insurance provides benefits for travelers overseas and in the U.S. with a variety of plans. It is important that you understand what your plan coverage involves so that in an emergency, you will feel confident to know you are covered. To contact Good Neighbor Insurance, you can visit their website at www.gninsurance.com or call them at (866) 636-9100 toll free. The _HTH Excursion Plan _costs $4.32/day and $130.00/month for people between the ages of 65 to 69 years; 70-74 is $6.30/day and $189.00/month; 75-79 is $11.25/day and $378/month; and 80-84 is $12.60/day and $378.00 with a $500.00 deductible and $50,000.00 medical maximum. If you are over 85 years of age, you cannot get coverage under this program. In comparison the _Travel Guard Gold _costs for people 65 to 69 years $68.00/30 days; 70 to 74 $88.00/30 days; 75 to 79 $110/30 days; 80 to 84 $158.00/30 days; and 85+ $158.00/30 days with a $0 deductible and $50,000.00 medical maximum. With Excursion you will have medical coverage, medical evaluation, coverage for all pre-existing conditions, no coverage for travel in the U.S., 84 age limitation, and coverage should you have a problem with baggage and/or personal effects. With _Travel Guard _you will have limited medical coverage, medical evaluation, coverage for all pre-existing conditions, coverage for travel in the U.S., no age limitation, and coverage for baggage and personal effects.

When you are evaluating coverage make sure you ask the following questions:

  • Does my plan cover me both inside and outside the United States?
  • Is there a limit to the number of days I can travel? 30 days? 3 months? 6 months?
  • Am I covered for accidental death?
  • Are pre-existing conditions covered?
  • Do I have transport medical evaluation if I need it? How much money is available?
  • Is it necessary that coverage originate in the United States?
  • Can I take more than one trip?
  • Is holiday travel included in my insurance coverage?
  • What happens if I cancel my trip?

You will find that travelers insurance (over 65) is more expensive than regular travel insurance but it provides better coverage than the average. If you are suffering from certain medical conditions before you purchase the insurance, you may be required to purchase special coverages although some companies provide for pre-existing conditions with little to no hassles (Flexicover.net). You can find insurance plans that cover several trips over a period of time or long term visits in another country. Some insurance companies specialize solely in travel insurance over 65 (Insureforall.com). Policies are catered to you when you choose a travel insurance for over 65 company so that you do not need to purchase coverage that you will not use. Make sure you compare cost to coverage. Travelers insurance insures a safe and secure trip.

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