Travel insurance over 65
The United States and European countries make travel insurance over 65 binding on incoming travelers to have overseas medical cover, by making it a pre-condition for a visa. Such compulsions aside, even if you are traveling in a country where travel cover is not mandatory, it helps to have travel insurance to fall back on in case of any travel related risks.
Travel insurance over 65 covers you for risks you might be exposed to on an in a foreign country trip. Typically, it covers death, personal accident, medical expenses, repatriation, loss of checked baggage, delay in receiving checked baggage, loss of passport and third party liability.
There are four tips for travel insurance over 65 such as:
Since the premium on travel insurance policies increases with the duration of stay, it makes sense to take the policy only for the travel period. The increase in premium from one time slab to the next can be steep. Even if you are not sure of your travel plans, you need not buy a safety buffer, as all insurers let you extend your policy period even while you are traveling. Buy cover for the minimum travel duration planned, and keep extending it along your journey as your age is over 65.
At the time of taking the policy, remember to take the list of region specific toll-free contact numbers from your insurer. In case of any queries or claims related to your policy, all you need to do is call on the nearest toll-free number, and your insurer's representative in that area will help you out.
When it comes to buying travel insurance packages, it pays to look beyond the premiums, specifically at the claims procedure and the access offered to local hospitals. If you seek admission in one of the empanelled hospital you can get a list of such hospitals from your insurer, you can walk away without paying a dime. If you are admitted to hospitals that are not empanelled with your insurer, you might need to pay upfront and subsequently raise a claim with the insurer along with the required paperwork.
Some insurers do not cover you for injuries or death while traveling on a two wheeler while driving as you are over 65, but this is covered with you are driving on four wheeler vehicle. Those who do will make good a claim from you only if, at the time of your accident, you were carrying a driving license valid in the country you were visiting and were wearing a helmet. So, if zipping around on a two wheeler is on your itinerary, look for a policy that offers such cover and make sure to carry an international driving license.
To conclude, travel insurance over 65 is very easy to get. Make sure that you should check out initially for various policies obtainable for you to purchase and you can choose the policy according to your need and satisfaction which fits well.
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