How to Get Senior Travel Insurance

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By eHow Contributing Writer

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Retirement is a time when many people choose to sit back and relax. However, many senior citizens spend their golden years traveling. A good idea for them might be to invest in senior travel insurance. There are many types of policies and requirements for senior travel insurance. It is wise to investigate companies offering this type of insurance and see what rates and coverages work best for you. Read on to learn more.

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Difficulty: Easy

Instructions

Step 1

Decide how often you will be traveling in a calendar year. Most senior travel insurance plans will offer annual multi-trip coverage or single-trip coverage.
Step 2

Choose the type of coverage you want. Most senior travel insurance policies have three components: medical assistance, medical evacuation and trip cancellation. Options may include legal expenses, accident and coverage for lost or stolen property.
Step 3

Check your home health insurance policy: You may be covered in some situations when you are away from home and not even know it.
Step 4

Get quotes from insurance companies. Most companies offer free quotes online. However, if you can't access a computer or an Internet connection, make a phone call. Some insurance companies even offer a dedicated line for senior citizens to walk them through the process.
Step 5

Relax! Once all your homework is done and you have a policy in place that you are comfortable with, head off on your trip with peace of mind--and don't forget the suntan lotion!

Tips & Warnings

Some policies do not offer coverage for pre-existing medical conditions.
In most cases, single trip coverage is more expensive than multi-trip coverage.
Many times there are age limitations. Inquire about those limitations. Some companies offer 65-plus policies that cover through age 74.
Some policies outline what types of physical activities they will cover, if you choose to participate in such activities. For instance, if you're visiting an island to go parasailing, make sure your policy will cover you in case of injury.

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