One of the reasons travel insurance for over 65 is more expensive, is due to the increased possibility that a senior traveler may need medical treatment whilst abroad. If you’re looking for over 65 travel insurance it’s necessary to research the market and compare prices thoroughly.
Pre-Existing Medical Condition
If you have a pre-existing medical condition it’s absolutely essential you inform any travel insurance company, as failure to do so could involve you in a great deal of expense if you have a flare up whilst on holiday. It’s a fact that senior travelers are over three times more likely to make a claim whilst travelling, and therefore it makes sense to ensure you’re fully covered.
Multi-Trip Travel Insurance
If you intend to travel abroad several times during the course of a year, look for multi-trip or annual travel insurance rather than going for an individual policy for every trip. Apart from the fact that it could cost you less, it has the added advantage of reducing the amount of paperwork you need to supply and all the information necessary only has to be produced once.
Don’t Pay For Unnecessary Cover
Many insurance policies cover a multitude of eventualities such as skiing, mountain climbing etc. As a senior you may not need such coverage, and therefore eliminating these from your policy could in fact save you money. Look for a policy that covers your particular needs, including any activities you may be considering. Being selective will undoubtedly help with the finances and so it’s worthwhile spending time scrutinizing a policy to ascertain you’re not paying for unnecessary coverage.
Senior citizens are now fitter than ever before, and insurance companies are well aware of the fact that an extremely large proportion of travelers today are over 65 years of age. For this reason it’s possible to find travel insurance companies competing for customers and who are prepared to offer good deals.
Search The Internet
Searching the internet for travel insurance over 65 is probably the best way to find the best travel insurance deal. It will give you the opportunity to compare many quotations and choose the one best suited to your particular situation.
You will need to complete a questionnaire in which you state all your medical conditions past and present. Any omissions could cost you a great deal of money should you be taken ill whilst abroad.
Travel Destination
The countries you intend to visit may also have a bearing on how much you have to pay for your travel insurance for over 65. Not all countries have the same medical facilities readily available, so it’s worth paying extra to ensure you are not stranded or unable to seek the medical treatment you may require.
Although these points may seem obvious, it’s surprising how easily they can be overlooked when seeking the best possible insurance cover for your journey.
Check An Insurance Policy Carefully
Make sure the policy you choose covers such things as medical expenses, personal liability, cancellation, personal accident, legal expenses and personal belongings. If you’re travelling with an expensive piece of equipment it may be cheaper to get separate insurance cover for that particular item.
Also check how much initial excess you are required to pay as this can vary from one provider to another.
A specialist travel insurance provider is often cheaper than buying over 65 travel insurance from your travel agent or tour operator, and as cost is often an important issue for senior travelers this could be one way of ensuring you’re getting value for money.
It is possible to find the right travel insurance for over 65 so start looking today.
