Often, the best time to travel around the world is after retirement, especially with adequate travel health insurance. After retirement, there’s a lot more time to devote, a lot less else to distract the mind, and a lot more experience to really understand and absorb different cultures.

However free the mind is, remember that the body might not follow. International trips mean that you are more likely to catch an illness or infection during your trip, and remember that your local medical insurance will not be accepted overseas. To keep your travel enjoyable and stress-free, you must purchase international travel health insurance.

Travel insurance, however, will not protect from illnesses, and following simple rules such as researching the weather and common illnesses at the destination, and checking for Centers for Disease Control alerts on the destination will help keep them healthy. The CDC also offers information on travel insurance online products.

Vaccinations are critical, and any international traveler must remain up to date on his/her immunization. Researching more about specific conditions such as heat and pollen count of destination cities can help seniors plan and schedule their insurance accordingly.

Travel insurance for seniors typically offers short-term benefits such as inpatient and outpatient treatment, medical evacuation, ambulance services, diagnostic tests, prescription drugs for any newly diagnosed condition, accidental death and dismemberment, and repatriation of remains. Most travel insurance policies also include some trip interruption and baggage loss benefits.

Seniors about to embark on an overseas trip must be prepared with any information about their medical condition that doctors treating them abroad will need to know. This includes a short medical chart from their physician, including known conditions and allergies. Regular prescription drugs are usually not covered by travel insurance; it is worthwhile to purchase these for the duration of the trip plus a week’s worth.

If you wear glasses or dentures, carry an extra set with you. Your travel insurance will not cover them, and you don’t want to spend time locating an optician when traveling. Pack a medical kit with basic supplies such as cotton balls, adhesive bandages, and basic medication for problems such as cold.

Remember to keep a steady, easy pace when traveling periods of high activity alternating with period of low activity may not work well. If possible, find a travel partner or group, or at least, let someone know about your schedule. Avoid travel at night, where possible. Travel insurance is best as a great ally whose services you never actually use.

Dan Miller often writes about travel insurance.

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