Retirement is not the end of life, but a beginning of a whole new period of exploration and adventure. It is often the best time to travel, always with travel insurance, as all the factors are usually in place - the finances, availability of time, knowledge to understand and appreciate different experiences, and children being independent.
However free the mind is, remember that the body might not follow. International trips mean that you are more likely to catch an illness or infection during your trip, and remember that your local medical insurance will not be accepted overseas. To keep your travel enjoyable and stress-free, you must purchase international travel health insurance.
To make the most out of your trip, get to know more about the places you will visit, along with information on what illnesses and infections are common there. This information, along with health alerts for travel to specific countries and health insurance options, is provided by the Centers for Disease Control. Needless to say, travel medical insurance is imperative.
Anyone traveling abroad must take shots for common illnesses and vaccinations required for travel to the destination. Also, knowing about of possible harmful conditions such as high altitudes and extreme heat can help determine the required level of travel insurance coverage.
Travel insurance for seniors typically offers short-term benefits such as inpatient and outpatient treatment, medical evacuation, ambulance services, diagnostic tests, prescription drugs for any newly diagnosed condition, accidental death and dismemberment, and repatriation of remains. Most travel insurance policies also include some trip interruption and baggage loss benefits.
Before leaving the United States, traveling seniors are advised to get a letter from their primary care physicians, with information about pre-existing conditions, allergies and other important medical information. Also, the traveler must fill in all regular prescriptions for the intended duration of stay with a few days worth extra. Travel insurance is likely to exclude these costs.
If you wear glasses or dentures, carry an extra set with you. Your travel insurance will not cover them, and you don’t want to spend time locating an optician when traveling. Pack a medical kit with basic supplies such as cotton balls, adhesive bandages, and basic medication for problems such as cold.
Seniors must ensure that their schedules are not too packed. It is also best to avoid traveling alone, and to try and locate a traveling group with similar interests. In-country trips should be limited to the day, where possible, for a great trip where insurance acts as a bodyguard whose services were not utilized.
Dan Miller often writes about travel insurance.
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