Planning an accessible road trip is getting a little easier for people with disabilities. There are more resources created by and for the disability community, and the tourism industry is starting to recognize the value of accessible travel. As a disabled, chronically ill, neurodivergent person, I take road trips every year and have learned some tips and tricks along the way.
How To Save Money On Travel Insurance If You’re Over 60
23.03.2024 - 09:57 / forbes.com
Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.
"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.
It's not just his imagination.
"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR.
You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.
Last year, when Travelex Insurance Services launched its new line of travel protection plans, it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.
"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.
In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.
Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US, says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.
"It provides a fair and balanced approach to travel insurance," she says.
Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.
"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.
That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.
"Never purchase based on price alone," says Robert Gallagher, USTIA's president.
Pricing travel insurance based on age makes sense, say experts.
"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care.
How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same
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