Recently I spoke with a 76 year old woman who had been to Uganda. She purchased the same travel plan as her children and grandchildren. Unfortunately, this plan did not cover her pre-existing conditions. She was unaware that such a plan was available.
Some insurance companies offer plans that are specifically tailored for the older traveler.
Domestic health insurance policies – including Medicare – won’t cover you once you fly internationally. You will need extra insurance for your overseas travel. Most short term travel plans include coverage for an “acute onset of a pre-existing condition.” Companies define an acute onset of a pre-existing condition as a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously without advance warning. An acute onset of a pre-existing condition is usually covered if you meet some or all of the following requirements, such as, not traveling against or in disregard of the recommendations of your physician, not traveling with the intent to seek treatment for the pre-existing condition and your pre-existing conditions has been stabilized for thirty days or more before your departure date.
Good Neighbor Insurance Inc, www.gninsurance.com, represents 10 major international carriers. We can help you select from a variety of excellent benefits indicated on the chart below. Please notice the age limits for each plan.
|Excursion||Voyager||Trip Protector||Liaison Majestic|
|Coverage Must Originate in the USA||Yes||Yes||Yes|
|Covers All Pre-Existing Conditions||Yes||Yes|
|Limited Pre-Ex Condition Coverage||Yes|
|Coverage for Travel in USA||Yes||Yes|
|Accidental Death & Dismemberment||Yes||Yes||Yes||Yes|
|Repatriation of Remains||Yes||Yes||Yes||Yes|
|Trip Cancellation Option||Yes|
|Baggage and Personal Effects||Yes||Yes||Yes||Yes|
|Unlimited Number of Trips per Year||Yes||Yes||Yes||Yes|
|Must Have ‘Primary Health Plan||Yes||Yes|
|Trip Duration (no longer than)||6 months||6 months||180 days||12 months|
Doug Gulleson loves to scuba dive overseas and makes sure he always takes his Amex card AND international travel insurance. Visit Good Neighbor Insurance at www.overseashealthinsurance.com/short-term.asp for your next overseas trip health coverage and get a FREE quote or call one of our agents at 480-813-9100.