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?
If you’re an over 64 year old traveler you can often run into problems when trying to find travel insurance. Many insurance companies suddenly become reluctant to offer travel insurance to senior travelers for a number of reasons. They don’t want to take what they may see as unnecessary risks. They are in the business of making money and would like nothing more than to never pay out for insurance claims. But senior travelers mean additional risks for insurers due to possibly failing health, pre-existing medical conditions and the effects of aging.
So if you are a senior traveler what can you do? it is most important that you don’t leave it too late. Make a start in looking around for your travel insurance policy as soon as you can. The more time you have then the more chance you have of finding the right policy at the best price.
Start with your existing insurance provider. If you already have life insurance cover or maybe health insurance then approach your provider and ask about their senior travel insurance policies. And if you have a pre-existing medical condition find out if they provide pre-existing medical condition travel insurance.
Always 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 experienced senior insurance providers who may be able to beat the prices quoted by other, non-specialist providers.
Something to consider once you’ve found a policy and provider that you are happy with is 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. Don’t lie about your age, your health or any pre-existing medical conditions that you might have. And makre sure you have a great holiday.
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