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. They would like nothing more than to sell insurance policies and have nobody make any claims on them. But older, senior traveler represent an additional risk for insurers due to their age, maybe they have failing health or already have some pre-existing medical conditions.
So what are the options open to the senior traveler? The most important thing is not to leave it til the last minute. 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.
Start with your existing 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 your insurer provides what appear to be good value quotes take a look around as you may find cheaper alternatives. There are some specialist senior insurance providers who are likely to be able to beat the prices that have been quoted from other insurers.
You may like to consider multi-trip travel insurance, once you have found a policy and provider that you are happy with. 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 be sure to have a fantastic holiday.