Here are actionable tips focused on two biggies: medical emergencies and trip cancellations.

Handling Medical Emergencies Like a Pro
Seniors face higher risks abroad, where a simple fall could lead to a $10,000+ ER bill. Don’t let it derail your dream vacation.

• Prioritize high medical limits: Aim for at least $100,000 in emergency coverage (more for cruises or adventure travel). Check for direct billing with global networks like UnitedHealthcare Global—fewer out-of-pocket hassles.
• Know your meds and conditions: Declare pre-existing issues early to unlock waivers. Pack a “medical passport” app (like Medical ID) with your history, allergies, and emergency contacts. Pro tip: Buy a portable ECG device for peace of mind on long flights.
• Emergency response hacks: Save numbers like the U.S. State Department’s 24/7 line (+1-888-407-4747) and your insurer’s hotline. In 2025, many plans integrate telemedicine—chat with a doctor via app before rushing to the clinic.

  Real story: Last year, a 72-year-old from Florida avoided $30,000 in Bali hospital fees thanks to her Allianz policy’s quick evacuation clause. Lesson? Coverage matters.

   

  Mastering Trip Cancellations and Interruptions
  
  Life happens—family illness, a loved one’s passing, or even jury duty. Solid insurance reimburses prepaid expenses, turning “what if” into “no problem.”
  
  
  • Opt for “interruption” coverage: This covers cutting trips short (up to 150% of costs), unlike basic cancellation (just pre-trip). CFAR add-ons are game-changers for flexibility.
  • Document everything: Snap photos of itineraries, receipts, and doctor’s notes. File claims within 30 days—digital uploads speed things up.
  • Timing is key: Purchase within 10-15 days of booking for the broadest waivers. For 2025’s peak seasons, book early to lock in rates.