Q. What companies do you recommend for travel and health insurance for people over 75? I am 77 and my husband is 86, and we’re about the sign up for a three-week volunteer program in Albania. My husband looked into the Chartis travel insurance policies and was somewhat daunted by the costs.
A. You might want to start with a travel insurance comparison site such as Squaremouth.com. Because you’re probably on Medicare, you should know that your medical insurance won’t cover costs abroad. And although I would guess that your insurance premium might be $300-$500 or more per person (depending on the policy’s features) a for a three-week trip at your ages, even the most “platinum-clad” policies have limits on how much they’ll pay a foreign hospital for your medical bills. So I highly recommend adding on emergency evacuation insurance, so that you can be airlifted back to a U.S. hospital where your Medicare coverage will apply.