Holiday Insurance Tips For Seniors

Friday, November 6th, 2009 at 6:43 am

: Image by Aaron Landry via Flickr

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 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 obviously don’t want to take 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 if you are a senior traveler what can you do? it is most important that you don’t leave it too late. Start to look around for your travel insurance cover as soon as possible. The longer you leave it the harder it will be to find the policy that you need.

Always start by contacting 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. 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 experienced senior insurance providers who may be able to beat the prices quoted by other, non-specialist providers.

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. 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.