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Good Neighbor Travel Insurance Blog

International Travel Insurance that Covers Pre-Existing Conditions for The Over-65 Traveler

April 30, 2010 By : Doug Gulleson

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
Medical Coverage Yes Yes Yes Yes
Medical Evacuation Yes Yes Yes Yes
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
Terrorism Coverage Yes Yes Yes Yes
Ambulance Service Yes Yes Yes Yes
Accidental Death & Dismemberment Yes Yes Yes Yes
Repatriation of Remains Yes Yes Yes Yes
Trip Cancellation Option  Yes
Trip Interruption Yes 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
Age Limit 84 74 84 80+

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.

Doug Gulleson

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