Senior Traveler Insurance Tips
You’ve found your sunny vacation destination and you’re already looking forward to spending some time relaxing in the sun. But are you a senior traveler and have you arranged your over 64s travel insurance?
If you are over 64 and looking for travel insurance cover you could run into some problems. Many insurance providers are less keen to offer travel insurance to people over the age of 64 for a number of 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 what can you do as a senior traveler? The most important thing is not to leave it til the last minute. Make a start in looking around for your travel insurance policy as soon as you can. 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 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 a good idea to shop around. Take the figures that your insurance provider gives you and then shop around. 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 hassle of having to shop around and find an insurance provider the next time you want to take a vacation, take out a multi-trip policy and save yourself the aggravation.
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 makre sure you have a great holiday.
