You’ve chosen where you would like to go for your holiday and you’re already imagining yourself lying on a a hot, sunny beach. But are you a senior traveler and have you arranged your over 64s travel insurance?
Travellers who are over 64 years old can often encounter difficulty obtaining travel insurance. Many insurance providers are less keen to offer travel insurance to people over the age of 64 for a number of reasons. They don’t want to take what they may see as unnecessary risks. Ideally, they will sell their travel insurance policies and no one will actually make a claim on them. But senior travelers mean additional risks for insurers due to possibly failing health, pre-existing medical conditions and the effects of aging.
So what are the options open to the senior traveler? The first thing to do is not to leave it too late. Start to look around for your travel insurance cover as soon as possible. The less time that you have then the harder it becomes to shop around and find the exact policy that you need.
Its always a good idea to start with your current insurance provider. If you already have some life insurance or health insurance it is worthwhile contacting your existing insurance provider and enquiring as to whether they can provide senior travel insurance. And if you have a pre-existing medical condition find out if they provide pre-existing medical condition travel insurance.
It is always a good idea to shop around. Even if you are provided with quotes from your current insurance provider take the figures and look around for a cheaper alternative. There are some specialist insurance providers who may well be able to beat the prices that you have been offered.
Once you have found a policy and provider that you are happy with why not consider purchasing multi-trip travel insurance. Save yourself time and aggravation by taking out a multi-trip travel insurance policy that will cover your next holiday as well.
Whatever you do, always be honest and open with your prospective travel insurance provider. Its never a good idea to lie about your age and its important to provide complete details of your health status and any pre-existing medical conditions that you might have. And makre sure you have a great holiday.