Many residents of the United States who are over 65 have chosen Medicare A & B and probably C, and many also have a Medicare Supplement plan. But you may not know that none of these plans give the kind of insurance you need when traveling outside the USA. The truth is that no Medicare plan will provide medical coverage or medical evacuation coverage outside the United States.
As we age it gets harder to get international travel and health insurance. But there is good news. There are several insurance plans that have no age limitations whatsoever. But which supplemental medical insurance plan is best for you and your loved ones?
Before you speak with your insurance broker, find out what your current health insurance covers. From there you can determine what travel insurance you will need.
Is there an age limit on the plan? Some plans have no age limit while others require that you cannot be over 74 or 84 years of age.
Is there a reduction in benefits due to age? Some plans carry limited coverage for those 80 years of age or older. Check to see how much coverage they allow for.
How long does coverage last? One insurance plan covers only a month of travel while another insures you for six months.
Does it cover pre-existing health conditions? There is one plan that will cover all pre-existing medical conditions but it requires travelers to have US underwritten health plan or Medicare A, B and C.
What types of coverage do you want? For example, do you want a plan that will insure you in cases of coma, felonious assault, political evacuation, or a sports injury? A lot of this depends on the nature of your trip and upon what countries you will travel through.
How much Medical Evacuation is covered? One plan covers you for up to $250,000 while another $300,000.
Is the policy renewable? You may want to take multiple trips during the next several years. So you will want to know whether or not the plan is renewable. If it is, this will save you time and energy looking for another plan the next time you travel internationally.
The best thing to do is to speak with an insurance broker. Travel insurance is inexpensive and in the long run worth it. Click here for international travel insurance for those over 65.
