It is beneficial for travelers to get travel insurance before they go on their vacations or trip, because a travel policy provides protection against unforeseen expenses due to illness or injury, lost luggage, and a number of other delays that the traveler may experience. In the event that they become sick or are involved in an accident during their trips, they can get compensation for medical costs.
Travel insurance will also cover for loss and theft of baggage and personal belongings, as well as trip cancellation and other unexpected situations. Most travelers will want to get a travel insurance policy, so that they can have peace of mind during their travels, but some people may have their applications denied because of certain reasons.
All travel insurance providers are eager to offer insurance to travelers. In fact, as long as a traveler is healthy, they should be able to get approval for both standard and specialized travel insurance. Insurance providers even offer coverage for high-risk activities, such as skiing, mountaineering, white-water rafting, and scuba-diving. Special policies for many different types of travelers, including students, backpackers, missionaries, seniors, and people with pre-existing medical conditions may also be offered by specific travel insurance providers. Even children are eligible for travel insurance.
Seniors and travelers with existing medical conditions should not apply for standard travel insurance coverage. Instead, there are specialized policies for these groups of travelers that can meet the specific needs of each individual. A senior travel insurance policy meets the specific insurance needs of travelers who are 60 years old and above, and it usually includes coverage for medical expenses, personal liability, cancellation, and loss of luggage, cash, and passport. This type of insurance may be more costly than standard travel insurance, and many senior travelers have difficulty finding a quote that suits their budget. There are insurance providers that specialize in providing senior travel insurance, and they offer very attractive rates and benefits.
Some travel insurance providers are not willing to insure travelers who are suffering from serious medical conditions, such as heart illnesses, cancer, high blood pressure, diabetes, asthma, arthritis, and epilepsy, because there is a higher chance that they will need medical care during their travels. Travelers with medical conditions are required to provide information about their health problems to insurance providers, and their cases will be evaluated before approval is given. The stability of their conditions and their age are important considerations for the providers. Usually, they can get coverage for their pre-existing conditions if they can prove that their conditions have remained stable for a minimum of 90 days. Similar to senior travel insurance, a pre-existing medical condition policy is also more expensive than standard travel insurance.