What is Senior Travel Insurance? 

Before booking your dream vacation, it is a good idea to invest in some senior travel insurance. What is the difference between regular travel insurance and senior travel insurance? The answer is simple. Some insurance policies have particular clauses with respect to seniors that specify non-coverage of certain conditions and/or circumstances. Little is more disappointing than being away from home and realizing that you do not have the protection you thought you had. 

Choosing the Right Insurance for You 

There are many types of insurance coverage available to seniors, and the majority of senior travel insurance plans offer three parts: medical assistance, trip cancellation, and medical evacuation. You should examine all levels of protection prior to buying travel insurance. 

Here you are some guidelines to help you choose a senior travel insurance plan:

• Check the coverage you may already have with your present health insurance plan. You may be covered for certain situations, but not for all; therefore, it is crucial that you be aware of any possible exceptions pertaining to seniors.
• If you plan on traveling fairly often during the year, there are some senior travel insurance plans that offer coverage for multiple trips. In terms of budget and time, they are often more advantageous than the single trip coverage.
• If you are traveling by air, cruise ship, or any other way, make sure the insurance policy you choose covers those modes of transportation.
• Keep in mind that some insurance plans do not cover pre-existing medical conditions, or certain types of physical activities. For example, if you plan on scuba-diving, make sure your plan covers that type of potential injury.

Research is Key 

Research is important. If you do not have access to the internet, simply call two or three insurance companies and make appointments to speak to their agent. Get multiple quotes in order to choose what best fits your needs and your budget. 

Finally, relax and have fun on your trip. After all, these are your golden years and you deserve to enjoy them with peace of mind.