Travel Insurance Over 65

Travelling in different parts of the country is one of the greatest joys a man could ever have. Here, you can explore different places, cultures of people and most of all their food. Even though you are on a carefully planned trip, you can never tell when accidents will occur.  Whether it is lost luggage, canceled flights, or medical emergency it is a must nowadays that you are careful in your traveling. So, different Travel Insurances are up for grabs so that you can have a peaceful and wonderful traveling experience ahead. Travel Insurance covers:

• Trip Cancellation/Trip Interruption: this gives money back to their clients who are not able to travel due to illness, death, airline strikes and many more or unexpected events like bad weather, flood, etc.

• Medical/Health: this covers all the medical expenses of the traveler in the air ambulance, attending physician, and nurse if you are not feeling well and you cannot go back home.

• Accidental Death: this covers when accidental happens to the traveler. This can be air flight accident, common carrier accidental death which happens when the traveler is riding in a public transport like ferry, train, bus or taxi.

• Travel Delay: This gives money back to the traveler for hotels, food or clothing expenses during a flight delay.

• Baggage Loss: this is a common problem for travelers. They generally lost their baggage when in a trip or lost by the airline.

• Rental Car Damage: a certain amount is given back to the traveler for the damage or loss of a rental vehicle.

Mentioned above is the travel insurance breakdown for travelers. They can get these benefits if they will purchase a travel insurance. Travel insurance now costs now are higher. But what if a 65-year old senior citizen would like to avail this kind of service? Will he/she get the same benefits? Or there are restrictions because of his/her age? How about having medical conditions? Will it affect the benefits?

A senior citizen is commonly an old aged-person or a retired person. The qualifying age for a senior citizen is 65 or over. A senior citizen is entitled to have senior discounts through the use of their senior discount card. In the Philippines, there is Republic Act 9994 that maximizes the contribution of senior citizens to nation building, granting benefits and special privileges and for other purposes. Under this law, senior citizens can now avail of the 20% discount and exemption from VAT on the sale of the following goods: such as medicines; professional fees of physicians and professional health workers; dental and medical services/diagnostic and laboratory fees in all private hospitals; actual transportation fare for domestic air, land and sea transportation services; and the utilization of services in hotels, establishments, restaurants, recreation centers, theaters as well as funeral and burial services and many more. But it does not include travel insurances just in case they want to travel abroad or within the country.

One insurance company in United Kingdom called Ageas Insurance Limited offers Travel Insurances over 65 or senior citizens. They want their senior citizen clients to enjoy their holiday with the peace of mind and what they have to do is just to enjoy their travel.  They offer:

• 24-hour emergency medical assistance.
• Cover for pre – existing medical conditions wherever possible.
• Emergency medical expenses and other expenses up to £10 million incurred outside the UK.
• Cover for medical equipment against loss theft or damage.
• Personal belongings cover.
• Cover for loss of deposit and cancellation charges.
• Winter sports cover up to 17 days (Annual Multi-trip).
• Cover for financial failure of the Tour Operator, travel or accommodation provider.
• 14-day money back guarantee - you won’t pay if you change your mind.
• Free Pre-Travel Advice Line for advice on visas, passports, inoculations, time zones, bank opening hours, local holidays, motoring restrictions and other holiday concerns.
• Free cover for children fewer than 18.
• Special group discounts for groups of ten or more adults travelling within the UK.
• No administration charge for amending policy.

Senior citizens should also have the right to avail of special benefits in travel insurance. Even though they are in the old age it is not a hindrance for them to go out and travel safely.