You’ve chosen your destination and may have even booked some bargain flights online, looking forward to your holiday, lying in the sun, sipping Sangria and soaking up the rays. But are you a senior traveler planning your holidays and have you arranged your senior travel insurance?
Travellers who are over 64 years old can often encounter difficulty obtaining 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 unnecessary risks. They would like nothing more than to sell insurance policies and have nobody make any claims 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 can you do as a senior traveler? The most important thing is not to leave it til the last minute. Its worth making a start in looking around for your travel insurance policy as soon as you possibly can. The longer you leave it the harder it will be to find the 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.
Always shop around. Take the figures that your insurance provider gives you and then shop around. There are some experienced senior insurance providers who may be able to beat the prices quoted by other, non-specialist providers.
You may like to consider multi-trip travel insurance, once you have found a policy and provider that you are happy with. Save yourself the time and trouble it takes to find an insurance policy by taking out a multi-trip 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.
Tags: holiday insurance, senior travel insurance, travel insurance
