Thursday, December 15, 2011

Travel Insurance for over 80's | one day car insurance


Until recently, Travel Insurance For Seniors may have been unheard of but is increasingly becoming popular because of the rising demand. Everybody loves to travel and age is no longer a barrier to travel and see the world. These days, people over 80?s also like to travel. Keeping their travel needs in mind, the insurance companies have specially formulated the Travel Insurance for over 80?s.

Do the Elderly Need Travel Insurance International Cover?

Travel insurance is a must for every traveler, more so for someone who is in their 80?s. Troubles and problems can befall anyone at anytime, especially during a vacation. Why take a chance when insurance cover is easily available to tide through all exigencies! Even though the elderly are given preferential treatment wherever they are, it is imperative that they also avail Travel Insurance cover.

What do the Travel Insurance Policies Offer?

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Specially designed Travel Insurance for over 80?s can be taken before going on a vacation. The insurance companies offer different types of travel insurance policies for the elderly and they are priced differently. The policies cover mishaps occurring during travel within the country as well as during foreign trips. The travel insurance policies can be broadly categorized into three kinds.

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  • The Flexible Travel policy ? As the name suggests, this policy offers a lot of flexibility. It gives the elderly, who are getting insured for travel, the freedom to include what they would like to be covered for under the policy.

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  • The Bundled Travel policy ? This is a ready made travel insurance policy package which covers all the basic necessities to be taken care of. The list of the items covered under this policy includes lost or stolen baggage, flight cancellations, cancellation of the trip owing to natural calamities or terror threats etc. This policy also covers all the medical emergencies and death during the vacation.

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  • The Custom Travel policy ? This insurance policy is a combination of the Flexible and Bundled Insurance packages. It includes all the circumstances covered in the Bundled policy and offers the flexibility to make further additions in the clauses to be covered.

The Travel Insurance for the over 80?s covers major eventualities including medical expenses. Most travel insurance companies covering the elderly for travel insurance include pre-existing medical problems at no extra cost. A medical screening is all that is required.

  • Single Trip Policy ? The single trip policy lasts as long as the vacation lasts. The policy provides cover to everything that has been insured. This policy has no upper age limit and is suitable for the people above 80.
  • Annual Multi trip policy ? This is an annual policy which covers all the vacations within a twelve month period. The individuals get complete cover each time they travel during this twelve month period. This policy has an upper age limit of 85. The annual travel insurance is cost effective for anyone who travels frequently.

Both, the single and annual travel policies cover only the eventualities which occur during a vacation. The annual travel insurance is beneficial as it costs less than the sum total of separate travel policies taken if travel is undertaken many times in a year. It also avoids the trouble of taking a fresh travel policy each time.

How to get Travel Insurance over 80?

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  • An important thing to remember is that travel insurance can be taken only within a certain time span after booking the vacation package.

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  • Travel insurance can be also got directly from the tour provider. However, these insurance policies may have certain limitations.

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  • The internet is a good place to search for good travel insurance bargains for the super senior citizens.

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To summarize, the travel insurance for people above 80 must be comprehensive. The travel insurance must provide cover to meet all the needs of those over 80. It should fully reimburse the cost if the vacation is cancelled for any reason. It must provide complete medical and dental health cover to meet unforeseen emergencies while on vacation. The travel insurance must provide the senior traveler with accident cover. Good travel insurance will provide cover for lost or stolen items during travel. Even though this is a new concept, due consideration must be given to Holiday Travel Insurance for over 80s.

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Source: http://one-day-car-insurance.info/insurance/travel-insurance-for-over-80%E2%80%99s/

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