Travel and leisure

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 planning your holidays 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. Its not unusual for insurance companies to suddenly become reluctant to offer travel insurance to senior travelers for a number of age related 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 if you are a senior traveler what can you do? 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 longer you leave it the harder it will be to find the policy that you need.

Its always a good idea to start with your current insurance provider. if you already have some health insurance or life insurance then contact your insurance company and ask if they have specific senior travel insurance policies. And if you have a pre-existing medical condition find out if they provide pre-existing medical condition travel insurance.

It is always prudent 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.

Something to consider once you’ve found a policy and provider that you are happy with is multi-trip travel insurance. 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. Never lie about your age and always disclose full details of your health and medical condition when applying for a policy. And makre sure you have a great holiday.