How To Get The Best Travel Medical Insurance Deals for Seniors?

There is so much about the world that many people will never get the chance to explore; mountains and beaches, beautiful geographic locations, new cultures, new cuisines and exposure to different ways of life. Regardless of your age, you should be allowed and encouraged to travel so that you can experience these new things.

Yet being careful is important. Especially if you're older, you need to make sure to get the right medical insurance in place before you leave. Traveling may be full of unknowns - whilst "anything happening" can mean great and exciting surprises, it can also mean accidents, illness or loss of your time/property. You need coverage because you don't want this to spoil your vacation or your life savings.

Luckily, there are plenty of insurers available. You need comprehensive coverage, especially if you have pre existing conditions.  You want a policy that is effective and will help you regardless of what troubles you may (but hopefully will not!) run into. You'll also want something that is affordable - there's nothing worse than paying for travel insurance that don’t cover certain things or you need to pay out-of-pocket.  

We specialize in offering Travel Insurance to Snowbird and Senior travellers often looking for affordable coverage at the best rates. Luckily, if you're reading this, you're in time for the early bird discounts and offers. Typically, between the month of July and September, is the best time to shop for snowbirds travel insurance.  Taking advantage of "Early Bird Specials" 

The reasons you should get insurance early is because you are getting the same coverage at a discount price compare to purchasing later on in the season. Every company plans a different Early Bird Sale, so you will want to call early to find out how the impending rate could benefit you. If you inquire early, we will do our very best to book your policy as late as possible before the rates go up. That way, you get the benefit of the early bird rates, while allowing you to pay as late as possible before the travel insurance rates goes back up. If you're not sure when you'll be travelling exactly, no problem!  

Lock in your quote based on your tentative dates you can always change them closer to your departure without penalty. This means that you'll achieve the best of both worlds - the prices of buying earlier in the season and the guarantee that you'll get coverage for the exact dates you need.

Happy Travelling,

The Optimal Team!

Early Bird Special for Senior Travellers!

Everyone that's been travelling for a few years and leaving Canada for more than 30 days knows about "Early Bird Specials"

This year, it's even more relevant with the value of the Canadian dollar versus the US.  Most insurance company has already raised their travel insurance rates for 2015.

But, hold off, they are a couple that didn't as of yet.  Good news for our early bird travellers!

If you will be travelling this year, it might be worth your while to find insurance coverage, as soon as possible.  With the early bird specials, you can save 5-20% in some cases.

You are not sure of the dates, you can purchase with tentative dates, and change later no problem.  No extra fees.

So, you have nothing to lose, but great savings.  Simple & Easy to get travel insurance quotes for seniors: click here

Happy Travelling,

From the Optimal Team!

Travel Insurance more competitive Rates

Travel Insurance more competitive than ever

The good thing now is that Travel Insurances are more competitive. Since the number of travellers and the awareness of the need for travel insurance have increased dramatically, so has the coverage for pre-existing conditions. 

Insurance companies have customized their travel insurances to meet the needs of the clients. Some travel insurances even offer covers for critical illnesses. 

So be straightforward when inquiring about Travel Insurance with pre-existing conditions. Remember, it is your right to know! It is your right to be protected during your travels. 

Talk to an expert!

Happy Travelling...from #OptimalTravel !

Pre-Existing Medical Conditions

Most if not all insurances come with pre-existing conditions. This goes the same with travel insurances. It is common that when people see the word “pre-existing conditions”, they hesitate from getting a travel insurance. 

They would think that they won’t qualify or worst, they would even think that getting one is much more expensive than what they would spend during the travel or vacation. Moreover, reading the terms & condition or even just the pre-existing conditions can be confusing most of the time. And mostly would have themselves convinced that they understood every bit of it when in fact they don’t. They are just too proud or embarrassed to ask for explanation from the insurance agent.

The key to overcoming such doubts is to fully understand what the pre-existing conditions in any travel insurances are.  Basically, pre-existing conditions refer to any illness or medical condition that was identified and existed before agreeing to an insurance contract. Do not hesitate to ask as many details about these pre-existing conditions and where you fit in it. Ask how you can utilize the pre-existing conditions of the insurance to your benefit. 

Do not think that if you are honest about your medical conditions, you won’t be able to get a travel insurance or you will always have to pay more.

Happy Travelling...from #OptimalTravel !

Our Travel Insurance Guy!

We are 100% Canadians!

Travel Insurance for Canadian Travellers, Canadian Snowbirds & Visitors to Canada including Super Visa Insurance and Working Visa Insurance. 

** We specialize in Pre-existing conditions. 

Speak with an Expert at Optimal Travel!

Happy Travelling!!

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Cheap Travel Insurance

...the price shouldn't be your only decision maker!

What Do We need to know for Your Application?

The policy application will ask questions about your age, health, medical history and travel plans. It is important to provide the insurance company with full, accurate information.

BEWARE: 

- Cost for Travel Insurance can differ from different companies as does the benefits.  You may find lower premiums. 

- Make sure you not only compare the price, but the protection also, especially if you are taking medications, received treatment or been hospitalized within a 12 month period, some companies have different opinions and guidelines on pre existing conditions. 

- If the information provided is incomplete or inaccurate, your claim could be denied later on.  Better to be safe.

** Carefully research your needs and verify the conditions, limitations and requirements of your insurance policy before you leave Canada.

Knowledge is power!

Here is a few more FAQ on Travel Insurance Coverage.

Happy Travelling....#OptimalTravel!

Are you considered a SnowBird Traveller?

What is a SnowBird Traveller....? 

This time of year, we see a lot of commercial & pamphlets offering great rates.  Either in travelling or travel insurance.

Well, as per one of our provider here is how they categories:

A SnowBird:

-  Is a senior, over the age of 55 that will be travelling for over 31 consecutive nights, outside of Canada.

Interesting facts from TIC Travel Insurance.

So would do you qualify yourself as a SnowBird?

Happy travelling....#OptimalTravel

It happens to anyone!

Last minute Medical Travel Insurance?

Forgot to buy your Medical Travel Insurance

Ever been in the airport or at the border and you see the traveller next to you making a call to buy Medical Travel Insurance ? 

Well, unfortunately, we do get those calls.  Protection at last, but at least they made the call, before it’s too late.

Did you know…Medical Travel Insurance  could be bought instantly via the phone by calling a Licensed Travel Insurance Agent? 

They will go thru a series of questions, to make sure you qualified for the protection.  And you will be on you way.  You pay with a credit card and they will email you a confirmation of your policy.

It is called last minute, but having it is better then no insurance!

By calling a Licensed Travel Insurance Agents, they will be able to help you

We will go thru a series of questions, to make sure you qualified for the protection.  And you could instantly be on you way.

Happy Travelling...from #OptimalTravel !

Many types of travel insurance coverage, but which one do you need!

What types of travel insurance do you need?

Well, It depends on a couple of things, such as your destination, the duration and how you will get there.   For example, if you plan on traveling by air, Trip cancellation & Interruption coverage could be a good idea.  You might need to rebook or buy new tickets due to illness or weather.  This protection will help you get back most expenditure that would be otherwise non-refundable.

Here are the Top 5:  Travel Insurance Coverage

1.    Trip cancellation/interruption

2.    Travel emergency medical

3.    Major medical

4.    Emergency medical evacuation

5.    Accidental death/flight accident

Either you are travelling in or out Canada, packages are available to suit all travellers, no matter where you are going and how long.   Did you know their are protections available for as low as 15$.

On the spot quotes for  cheap medical travel insurance  are available to make you travel insurance shopping quick and easy.  Check what are all your options and what offers you the best protection available you need.  Talk to a Travel Insurance Specialist.

Happy Travelling...from #OptimalTravel !

What made your list for this trip?

Pack you Travel Insurance: 

Make sure it’s on your list!

Expect the unexpected!  No one wants to think that our travelling plans could change in a heartbeat. 

It’s likely, that you probably spend a lot of time, effort and money planning your next vacation, now you have to make sure that all aspects of it are covered. 

When should you need travel insurance?

Out of province:

Every time you leave your home province.  In Canada, most provinces have an agreement to accept out of province health plan.  But if you are travelling in Quebec, expect to have to pay for expenses out of pocket, and then get reimburse.  To be noted that not ALL expenses will be reimburse, and you will be responsible for the balance.

Out of Canada:

Every time you leave Canada.  Never be caught naked, without your own medical insurance.  We all hear it; how expensive is medical services out-side of Canada, so no need to find that out on a trip.  Either you are leaving for 1 day or 6 months, no need to take the risk. 

Medical Travel Insurance coverage is a must, every time you travel!  Not worth the financial risk!

Happy Travelling...from  #OptimalTravel !

Discount for Travel Insurance?

Do you qualify for a discount? 

Buy early, and save!!!

There is a lot of provider that offers early bird discounts  on their policy, if they are purchase before a certain date!

We have providers that will offer up to 6% if you buy early.  So on a policy of 1200$, you can be talking as much as 72$.  This is not to shabby!  

For most, even if you need to change de dates of travel, from a few days they will accommodate and still honour the discount.

Always remember, Medical Travel Insurance coverage is a must, every time you travel!  Not worth the financial risk!

Happy Travelling...from  #OptimalTravel !

Really, shopping for Travel Insurance...?

Did you shop for your 

Travel Insurance Coverage this year?  

Yes, like we shop for household thinks, car, vacation, etc...; we should also shop for Travel Insurance.  

I am always astonish when we shop the market for clients, how broad is the range in quotes, especially for people over 60 years young.  This is mainly due because all company have different medical questions and underwriting process.  Meaning, if you have little health issues, most company have 2,3 and even 4 tiers in pricing.

So how to get the best insurance deal, well talk to a travel insurance broker.  You will be ask basic health questions, from there they will shop the market without being bias in there recommendation.  They will bring options to work with to get you the best coverage.

Here is another great example in Travel Insurance Quote:
We did 4 quotes* for a Lady age 72 with some heart problems, leaving for Florida for almost 6 months:

•  Quotes came in at 4416$, 3460, 2466$ & 2152$.

We recommended TourMed @ 2466$.  To be fully covered from any preexisting medical issues, including Heart.

Did you shop your Travel Insurance..get your free instant quote!

Happy Travelling...from  #OptimalTravel !

(* Quoted with: Blue Cross Travel, TourMed, GMS & TIC)