International Travel Medical Insurance for Seniors
Helen, from Charlotte, North Carolina called into our office a few weeks ago and was asking for international medical insurance for seniors. She was so excited to go overseas to visit her grandkids in Singapore during their school break end of this year. Helen said she just turned 65 years young and was celebrating her birthday with this two-month long trip to see her grand-kids.
Here are her four great travel medical insurance questions – https://www.gninsurance.com/travel/seniors.
Question: Since I am heading over to Singapore and then Bali for these two month-long trips to see my grand-kids, is there any travel medical insurance that will work for me at my young age of 65?
Answer: Although a person at age 65 would be eligible for most travel medical insurance options, certain factors will need to be considered for your coverage.
Helen, here are some things to consider
- Some travel medical insurance plans will have limited or no coverage for pre-existing conditions. But Good Neighbor Insurance has some travel medical insurance plans, https://www.gninsurance.com/travel/seniors, that will possibly fit your needs. We offer plans with robust travel medical insurance that will cover most pre-existing medical conditions.
- Also, some travel medical insurance benefits may have lesser or limited insurance benefits for those over 65. But rest assured, Helen, we have the best and strongest travel medical insurance coverage. There are great travel insurance options, and even trip cancellation insurance, that we can provide for you on your international travels.
Question: I have Medicare in the U.S. Wouldn’t my Medicare cover me while I’m outside of the States?
- In most situations, your Medicare will not cover your medical costs while traveling internationally.
- If you have a Medigap plan that has international coverage, these plans typically have a low deductible and a high coinsurance with lower medical maximum coverage. Currently the travel medical part covers up to $50,000 USD where you will pay $10,250 out of pocket of that 50k amount.
- But the most important part, Helen, of any travel medical insurance policy is your emergency medical evacuation cover. Your Medicare will not cover any medical evacuation outside the U.S.
- Currently, a typical emergency medical evacuation expense is around $50,000 to $300,000 USD. We have seen many emergency medical evacuation costs go well above $250,000, especially when picking our clients up from remote areas.
Question: I currently take medication for high blood pressure. Do I need to be worried about a pre-existing medical condition?
- Yes, Helen. Even travelers under the age of 65 will want to make sure that their travel medical coverage will cover them for sudden onset of a pre-existing condition.
- But it is imperative that those over the age of 65 have the correct travel medical insurance policy.
- Some travel medical insurance options do not cover pre-existing medical conditions for senior aged travelers.
- More importantly, Helen, with limited or no coverage for a pre-existing medical condition, these travel medical insurance plans offer no coverage for medical evacuation for a pre-existing condition.
- However, the good news is that we at Good Neighbor Insurance, https://www.gninsurance.com, have robust travel medical insurance options that will provide the protection you need.
- I actually have a childhood friend who is also going to meet me over in Singapore for a few days.
- She wants to bring her mom with her on her trip. Her mom is 95 years old.
- Is there a travel medical insurance policy that will cover her mom for their travels outside the U.S?
Answer: Although travel medical insurance coverage may be limited for someone of her mom’s age, we can still find a travel medical insurance plan that will cover her.
For the most up-to-date information on our travel medical insurance options for seniors, please visit our web page at https://www.gninsurance.com/travel/seniors.