Finding the right insurance to suit your individual needs can be a tricky task. This is especially the case when it comes to over 65 travel insurance.
The fact is that some travel insurance providers are unwilling to insure senior citizens. Their reluctance is based on their assumption that those aged over 65 are more prone to accidents and falling ill whilst on holiday, which is why travellers over 65 can find themselves having to pay as much as three times more than a younger person.
However, don’t despair. There are still plenty of insurers and policies to choose from that can offer you a great deal if you shop around and follow the 3 following tips:
1. Don’t buy insurance from a travel agent. Although your tour operator or travel agent may offer to arrange insurance for you, they themselves are not insurers. Another insurance company will actually provide the policy, which will probably not be the best for your needs, nor particularly competitively priced. A specialized travel insurance provider is better placed to offer you a better deal.
2. Cut out policy options you are unlikely to need. A lot of standard policies will incorporate cover for things you just will not need, so be sure to remove them. For instance, why pay for the privilege of being covered to bungee jump, scuba dive etc, if you have no intention (or stomach!) to do them?
3. Take out a single-trip policy. Unless you are planning to travel abroad a number of times during a year, you will usually find that a single-trip policy is better suited and better value for travelers aged over 65.
The Internet is a great resource for those looking for the best value over 65’s travel insurance. You will find a host of specialist travel insurance providers online that can offer you that piece of mind cover at a very reasonable price. Just take your time, and be sure to get a few quotes to compare.
By: Pat Hunter
Posts Tagged ‘Senior Citizens’
Travel Insurance For Senior Citizens
January 5th, 2010
A lot of people will want to go travelling once they retire. Now that they do not have the rigidity of a job to worry about, they can go and see the world as and when they please. However, it is vitally important for senior citizens to have adequate travel insurance when they head off on their travels. It is obvious that the older you are, the higher the risks involved in getting travel cover and the higher the cost but nevertheless it is an important purchase to make when going away from home. A suitable travel insurance plan for an old aged pensioner should cover for sickness, accidents, loss of luggage, theft or even death.
Accidents can happen to anyone so it is important to always be prepared for such unfortunate occurrences. It is also a fact that older people are more susceptible to infections and viruses and are more likely to suffer complications. Another problem for older people when going abroad is the heat. If by any chance the country you are visiting happens to be hit by a heat wave, then it is more likely that an older person will experience more severe ill effects.
With all of these risks facing senior citizens it is becoming more and more important to have suitable travel insurance in place before going away. While these policies are more expensive than standard travel insurance policies, it will provide security in that should anything to happen, the costs, which could run into thousands, would be covered by the insurance company. It is better to pay that bit extra before you go than to have to try to find huge sums of money if something bad were to happen.
There are a number of insurance companies which specialise in packages for senior citizens so it would be wise to take the time to check out all the options available to you. Check out whether there are any offers available from companies and if possible use a comparison website to see which companies are offering the best packages at the best prices. Whatever you do, do not take the chance and go away without suitable cover as you may regret it further down the road.
Retirement should be a time to get out there and see the world and not have to worry. Wouldn’t it be great to just get away and do all the things you never had the time or the money to do before? Well as long as you have a quality travel insurance policy in place, you can head off into the world and leave your worries behind.
Always remember to check exactly what your policy covers with your insurer.
By: Graham S Doyle
Crystal Lake Cave in Iowa – A Great Vacation and Travel Destination
December 23rd, 2009
Iowa has some beautiful places that are wonderful vacation destinations. One of the must see places is Crystal Lake Cave. There is an interesting story behind this location. Back in 1868 lead miners were looking for a lead vein and they drilled 40 feet into the ground. And although they were not successful in finding the lead they had hoped for they did find something else even more amazing. What they found was Crystal Lake Cave. Although the cave was discovered for many years it was not open to
the public until 1932. Bernard Markus, one of the original miners, played a role in getting the cave open to the public and it finally became so after his death.
While the miners were digging they found quite a few different types of gems and minerals that are on display in the gift shop. There is no other show cavern like Crystal Lake Cave and this is the longest a cave has been “alive” in Iowa. The cave is underground and continues to be one of the most amazing places to visit in Iowa. The tour of the cave takes about half an hour to 45 minutes and it is an adventure like none other you have ever taken. A tour guide will lead you so that you get the most out of the adventure. Keep in mind that no matter what the temperature is outside it will be quite cool in Crystal Lake Cave and the year round temperature is usually around 52 degrees Fahrenheit.
The cave is open from 9 am to 5 pm on weekends in May and daily in June, July and August from 9 am until 6 pm. In September the cave is open from 11 am until 5 pm on weekdays and 9 am until 5 pm on weekends. The cave is open through mid October from 11 am until 5 pm on weekdays and 9 am until 5 pm on weekends. The rest of the year the cave is closed for winter. Prices for adults are $10 and $5 for kids four to 11. Kids under four are free and senior citizens receive a 10% discount. Group pricing is available. The cave is located three miles south of Dubuque, Iowa and 20 minutes from Galena, Illinois.
There is a website that has great information on USA Vacations and Unique Travel Spots Listed State By State and Season, the website is called: Seasonal Vacation Spots, and can be found at this url:
http://www.seasonalvacationspots.com
By Robert W. Benjamin
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By: Robert Benjamin
