US travelers.

5 December, 2008 om 7:19 pm

Along with some previous advices next things would be considered.

Different types of medical insurance, what you already have, could include or not some vital elements of travel insurance.

You should check this first and go traveling only second.

For instance, you could be compensated with emergency care abroad.

Nonemergency medical care abroad need be authorized by your US insurer firstly (by phone). Without this authorization you got no compensation from insurer.

Without specific cover from your medical insurance abroad you will need special travel insurance. Besides, it could give you such important option as air evacuation costs coverage and some other.

Unfortunately, persons over 65 could not have abroad extension for their Medicare coverage; therefore it could not replace specific travel insurance over 65.

If during your travel you will take the treatment abroad, you will pay by cash or by credit card for it. Insurer will reimburse your costs, after your return home. The proper procedure of claim involved all the itemized bills and all the medical records in English. You should also notify your insurer about emergency within 24 hours to avoid future delay of medical care costs reimburse.

Also you could be needed a second opinion for the insurer, unless an emergency medical care.

Another one important type of travel insurance provides direct payment for medical care abroad instead of later reimbursement practice.

That type could provide assistance with your language, and medical monitoring of the treatment via special support line, when you will be hospitalized abroad.

Also, assistance could include insurer’s steps and pays for medical transportation after\before\in progress the treatment, if it’s need by medical terms.

If you will look for a local dentist or missing prescription, and in several other situations, includes urgent money transfer, replacing of stolen\lost documents and so on, assistance will be helpful too.

You could buy either extension cover for the luggage missing, accidental disability, accidental death- if these options are not covered with your domestic insurance.

Also you could insure your travel from interruption and delays caused by external reasons (strikes, accidents, etc.)

If you acquiring travel insurance over 65, you could be oriented to the coverage- $100000

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travel insurance over 65

1 November, 2008 om 4:21 pm

From the point of view of insurance company the travel of elder travelers involves an additional risk of claims.

Therefore they separate clients by the age level. Not all of them served “over 65″ either (e.g., approximately 21% of insurance policies in the UK not served over 65 category, and around 75% of them not served over 70 category). Higher risk means higher prices for the services of the rest of insurers. These prices soar at 70 and 80 y.o. stage.

To reduce the described costs for the travel insurance over 65, you should consider policies of different travel insurance companies. Terms of policy could be various and prices could differ as well. Chances to acquire better annual policy are higher for the over 65 category, then the more expensive single trip policy.

Pre-existing medical condition is a vital thing for travel insurance over 65. It includes different conditions, illnesses and injures with received treatment or official diagnosis within various time range respectively (lookback period). To acquire travel insurance over 65 person needs to be medically stable during the journey.

To decide what kind of policy from the broad range you need, you should compare all the costs with valid costs of medical care, evacuation and so on, which you could pay on your own. For instance, air ambulance, depending on the embarkation point, will cost you from £ 12000 (Canary Islands) to £ 45000 (US East coast).

You also need to observe certain claim procedure thoroughly, to avoid denial of the claim. The appropriate level of cover for the travel insurance over 65 is:

baggage - £1500;

cancellation - £3000;

medical expenses - £2000000;

personal liability - £1000000.

Without the proper insurance you will likely get huge financial trouble abroad, furthermore, you could even get a criminal offense for the absence of such insurance in some countries!

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