People Over Sixty Are Special and Need Special Travel Insurance – Travel International

People over sixty are special and need special travel insurance. A plan that may work well for their children or grand children may not be the best option for them.Last week I had an opportunity to speak with a woman who is seventy six years old. She told me that last year she had taken a short term trip to Uganda. She stated that she purchased the same travel plan as her children and grandchildren. Unfortunately, this plan did not cover her pre-existing conditions. She was unaware that such a plan was available.Look for a plan that will suit your needs. As a senior citizen working in the international travel insurance business I am very aware of the needs of retired people seeking coverage for their trip or trips overseas. Senior Citizens often have a hard time determining what type of coverage to purchase. There are many things to keep in mind when looking for a plan. You will want to decide if you need coverage for pre-existing conditions, trip cancellation, and other benefits that a younger person may not need. Some companies offer plans that are specifically tailored for the older traveler.Look for a plan that will cover pre-existing conditions. Older travelers are often looking for a plan that will cover pre-existing conditions. Sometimes they pay more than is needed for this benefit or they cannot find a plan that offers this type of coverage. Most short term travel plans include coverage for an “acute onset of a pre-existing condition.” Most companies define an acute onset of a pre-existing condition as a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously without advance warning. An acute onset of a pre-existing condition is usually covered if you met some or all of the following requirements, such as, not traveling against or in disregard of the recommendations of your physician, not traveling with the intent to seek treatment for the pre-existing condition and your pre-existing conditions has been stabilized for thirty days or more before your departure date.Talk with an international travel insurance broker. When looking for a travel plan it is advisable to talk with an international travel insurance brokerage firm as they are able to offer coverage with a number of insurance companies. They are not limited to just one travel insurance. A lot of insurance companies offer travel plans, but the benefits are usually more designed for the younger traveler. A broker has the ability to offer you a range of short term travel plans that can meet your individual specific needs.Remember whether traveling in the USA or overseas it is good idea to purchase a good travel plan. As a wise man once said “Insurance is only important when you don’t have it.”