Travel Insurance for Seniors

Travel insurance for over 65s can become expensive and confusing, especially if you have pre-existing medical conditions. However, travel insurance is absolutely vital for anyone going on holiday or travelling abroad, and once you retire you will have more time to travel and enjoy yourself – so why shouldn’t you?

To make sure you get superior cover at a great price, here are our top tips for buying over 65s travel insurance;

• Does the policy actually meet your needs? Check the levels of cover offered carefully to avoid being left out of pocket.
• Make sure you choose the correct cover for the country you are visiting. For example, many companies ask you to choose from Europe, Europe including Spain, World Wide etc., so make sure you pick the correct option. Ask the company if you are unsure.
• Make sure the insurance will cover you for the entire duration of your trip.
• If you are travelling with your Grandchildren, make sure you are all covered, many insurers offer free cover for children, so shop around to make sure you get a good deal and quality cover.
• If you’re thinking about or planning to participate in activities such as tennis or golf during your trip, are these covered?
• If you’re planning a Cruise, is cruising covered?
• Make sure you have declared any pre-existing medical conditions, and make sure your policy covers them. If you have not declared your conditions you will not be covered for any subsequent bills.

When you buy any travel insurance policy you should check that;

• The cancellation cover is enough to cover the pre-paid costs of your trip.
• The insurance includes at least two million pounds of emergency medical cover and repatriation (£5 million if travelling worldwide). This may seem extreme but medical treatment abroad can become extremely expensive.
• The policy covers your baggage and personal possessions if they become lost, damaged or stolen.
•  Once you have purchased your policy, you will usually be given 14 days to read it through and check that it covers your particular needs.
• The policy covers the costs of emergency items of clothing if your bags are lost by the airline.
• Most importantly, ALWAYS read the small print.