Healthy travel tips for older travelers

Dear Savvy Senior,

What tips can you offer retirees with health issues who are planning some trips? We've been looking forward to traveling again after staying home the past few years, but my husband has a heart condition and some back problems that worry me.

-- Concerned Wife

Dear Concerned,

A dream vacation can turn into a real nightmare if you get ill or injured while you're away and aren't prepared. Before setting out, here are some tips to help ensure a safe and healthy trip for you and your husband.

Get prepared: Before you go, talk with your doctor about your travel itinerary and what precautions you need to take before traveling. You should also have your doctor's contact information with you when you travel, as well as a list of the medications you're taking in case you need emergency medical care while you're away.

It's also a smart idea to locate health clinics or urgent care facilities near the areas you're visiting. Your hotel can help you with this or a simple internet search can identify nearby health care services. If you're traveling abroad, the U.S. consulate or embassy in the countries you're visiting (go to step.state.gov to enroll your trip) is a good place to get a referral. Or use the International Society of Travel Medicine's directory at ISTM.org.

If you're traveling outside the U.S., you also need to find out the health conditions of the country you're visiting and what, if any, vaccinations and/or preventative medications are recommended. See CDC.gov/travel or call 800-232-4636 to get this information.

Check your insurance: If you have private health insurance or a Medicare Advantage plan through an HMO or PPO that covers in-network doctors only, check your plan to find out what's covered if you need medical care when traveling outside your geographic area.

Beneficiaries that have original Medicare are covered everywhere in the U.S. But if you're traveling abroad, you won't be covered outside the U.S. and its territories except in rare circumstances, although some Medicare Advantage plans and some Medigap supplemental policies do provide limited coverage. Most private health plans don't pay health care costs outside the U.S. either. Be sure to check.

Many retirees traveling abroad purchase travel insurance with medical coverage, which may cover expenses if you cancel the trip, need to be treated while traveling or need to be evacuated for medical care. Make sure the policy will also cover your preexisting medical conditions. To shop and compare policies visit TravelInsurance.com, InsureMyTrip.com or SquareMouth.com.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.