The seniors travel insurance is a popular travelling-safety-net for many senior Australians. Because we are regarded as wealthy travelers, the additional insurance cover is not exactly the wasted money. For most elderly travelers, the senior travel insurance gives a real peace of mind. The basic questions, such as:
are generally covered by the seniors travel insurance. What's more, the policy is not as expensive as many people may think.
The seniors travel insurance covers people who are 60 years old or older.
Some operators may even offer the seniors travel insurance for 50 year olds.
Generally, there are no medical checkups for travelers who are 70 years of age or less.
Some seniors travel insurances may only require medical examination for those who are 80 years "young" or older.
You do not have to be absolutely healthy to get your seniors travel insurance.
However, you may not be covered for medical problems found during the medical examination.
Unfortunately, the insurances have a lot of clauses.
And yes, you have to read the policy carefully.
The general misconception is that the seniors travel insurance will cover you irrespective of the safety requirements during the trip.
This is not true!
The insurers will insists that your trip is safe.
If you decide to do the bungee jumping at the age of 75 then ensure that your insurer allows it!
The good quality seniors travel insurance should cover:
The above is an absolute minimum for your complete peace of mind. Good insurance companies like Aussietravelcover offer the similar choices as a standard cover.
Generally, the seniors travel insurance is cheaper than the ordinary travelling policy.
The reason is obvious - senior travelers take less risks and are more responsible.
Unfortunately, not all is that rosy.
The travel insurance for 70 year olds and higher becomes substantially more expensive then the one for other elderly travelers.
Simply put, 70 years plus tourists are at the higher risk of medical expenses.
Thus, the best group are seniors who did not celebrate their 70th birthday yet.
A basic travel insurance for two travelers below 70 years of age is between $800-$700.
Some online operators may even offer better discounts.
This will cover you for flight cancellations, lost luggage, medical expenses, liabilities and the car rental.
The same policy for senior travelers above 70 years of age is around $1000-$1200.