How to find the best seniors insurance
Our seniors travel insurance comparison compares loads of reputable insurers with plenty of policies for the over 65s.
There's no doubt that buying seniors travel insurance online from a direct insurer is the best value for money - around 50-60% cheaper than through a travel agent - and many companies have totally streamlined processes that make comparing quotes, confirming medical approval and purchasing your cover, simple and straight-forward.
Finding the Best Company for You
Compare the level of cover each company offers for medical, hospital and dental. While anyone can have an accident or fall ill at any age, the stone-cold reality is that health problems can increase as we get older. Other stark realities include hospital beds in the U.S. potentially costing many thousands of dollars per day, with $800 plus a day being the norm throughout SE Asia.
Companies such as 1Cover.com.au and SureSave.net.au provide unlimited cover for emergency medical, hospital and evacuation. 1Cover also offer specific seniors travel for the over 75s, while Ouch.com.au offer 70 plus Travel and Cruising Travel policies for domestic trips.
Confirm the insurer offers suitable compensation for alternative transport and travel delay, also cover for additional expenses if you or your companion are laid over.
Has the company included extras such as assistance when you return home if you've incurred an injury or illness that leaves you in need of home-care?
Purchasing the Best Policy for You
If like a number of seniors, you prefer to go with groups or to pre-book into mid to top range accommodation, ensure your insurance policy provides an unlimited amount for lost deposits and cancellation fees in case circumstances arise that makes travel impossible.
Travel insurance companies have different 'caps' on how much they pay out for a claim. Take, for instance, personal items. This may not concern you if you're travelling with mid-range equipment, however, if you have a 'top of the range' camera, video equipment or laptop with you, it may be worth comparing the itemised cap on personal effects.
Clearly Assess Your Travel Insurance Needs
You may have travelled before, or this may be the trip you have dreamt of most of your life. You want to enjoy yourself completely and with total peace of mind when you're travelling in unfamiliar environments and climates and savouring unfamiliar foods.
Choosing reliable, comprehensive seniors travel insurance that meets your needs & and safe guards your livelihood can be hassle free and cost effective if you learn to work the net and learn the basics of direct travel insurance.
