Seniors travel insurance is a great item to have when you leave home so you do not worry about leaving your medical coverage and support behind. Should a health issue occur during your trip, insurance will cover eligible doctor visits, eligible hospitalization and even ambulance rides for covered injuries. Beyond immediate medical care, seniors travel insurance will reimburse eligible medication costs and provide physical therapy if necessary.
Lots of reasons can be listed for why you should purchase family travel insurance before you go on a trip outside of your home country, but here are just a few:
|Covered Benefits||Provided With Atlas Travel||Travel Insurance Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions (excludes chronic and congenital conditions)||Limited: Up to medical coverage maximum lifetime for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2500.|
|100% coverage for accidents and injuries outside the U.S.||Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% coverage for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, $1,000,000 in coverage regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|Complete online enrollment capabilities & immediate fulfillment||Yes: Selecting 'Yes' to online fulfillment when purchasing ensures your policy information is available to print once your application has been processed and your credit card approved||Varies.|
|Crisis response benefit||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping.||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability benefit||Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.||No. Competitor travel medical plans do not include a personal liability benefit.|
Of all the American travelers packing their bags for leisurely trips each year, more than 35% are age 57 and older, according to the U.S. Travel Association.¹ Individuals who fall in the “retirement age” category are particularly keen on enjoying a getaway. They take an average of four leisurely trips a year. With many senior citizens’ travel itineraries including international destinations, such as Vietnam, China and Thailand, it is important for them to take additional precautions. These five tips can help senior citizens enjoy a safe, carefree trip while abroad:
The temptation to pack too many items for an overseas trip can be irresistible for many travelers. As a general rule, tourists should remember that the journey will be much easier with a lighter load. However, it is important to bring along the essentials, including extra medication and clothing appropriate for variable weather conditions.
The world has numerous sights to behold. There are far too many to indulge in during one trip. Understanding the limitations to what a person can see and do on vacation is integral to setting reasonable expectations and fully enjoying the experience. It is important to take time to rest even when others in the party are eager to move on. Rome was not built in a day. Likewise, it cannot be explored in a few hours.Drink bottled water
According to the Centers for Disease Control and Prevention, 30-60% of Americans who venture abroad to developing countries each year will become ill during their journey. It is important for travelers to take extra precautions by using bottled water for drinking and brushing their teeth.
Purchase travel and travel medical insurance
Lost baggage, missing documents and canceled flights can cause difficulties for travelers. However, for those who are uninsured, those complications can multiply. Comprehensive travel medical insurance can cover the cost of medical expenses abroad.Consult a physician before traveling
Senior citizens traveling abroad should first consult a physician to ensure they are taking proper health precautions for the anticipated travel itinerary. It is also important to undergo all necessary vaccinations before embarking on an overseas trip
¹“More Than 25 Million Americans Will Travel Overseas This Summer Says AAA’s New International”, Reuters, http://www.reuters.com/article/2008/05/02/idUS173418+02-May-2008+BW20080502 (Accessed July 25, 2011); Africano, Nina “World’s Worst Travel Diseases (And How To Avoid Them)”, AOL.com, http://news.travel.aol.com/2011/01/06/worlds-worst-travel-diseases-and-how-to-avoid-them/ (Accessed July 25, 2011).
²“Older Persons in Emergencies’ An Active Ageing Perspective”, World Health Organization, http://whqlibdoc.who.int/publications/2008/9789241563642_eng.pdf (Accessed March 18, 2011). ³ Santos, C. A. & Yan, C, “Genealogical Tourism: A Phenomenological Examination” Journal of Travel Research (2010).
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.
Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.