- Single trip or Annual Travel Insurance for over 65’s
- Cover for pre-existing medical conditions
- No upper age limit
- 24/7 Emergency Medical Support
- Cancellation, Money and Baggage Cover
- Up to three under 18’s are often included for free with an adult policy
A recent initiative by the BIBA and ABI has meant that it has become easier for over 65’s to find insurance. This is because if insurers aren’t able to offer insurance themselves, they must ‘signpost’ another insurer that does. Meaning that older travellers are being pointed to where they can find the right insurance.
Finding suitable cover
It can be a struggle to find an insurer who provides a service for over 65’s. With Travel Insurance Compare you can compare different over 65 insurance policies, making sure you find an over 65 policy that suits you.
Insurance for any age
When searching for over 65’s travel insurance, it can be a real pain. The reluctance insurers have with offering insurance solutions to the over 65’s is because of the increased risk of a medical claim. But when you compare over 65’s travel insurance you can find a policy that is specific to your age.
When you enter the ‘over 65’ insurance bracket, you are deemed to be higher risk. This is because there is an increased possibility of needing to receive medical treatment while on holiday. Unfortunately, this means that premiums may well be higher.
Risk of claim refusal
As with any insurance policy there is the chance a claim could be refused. The way you can reduce the risk of refusal is to give as much information, as accurately, as possible when applying. The older the traveller, the more likely there is to be a claim and subsequently, the higher the premium. Although it may become tempting to stretch the truth within the application, doing so could void any insurance claims, so it is always best to answer questions as accurately as possible.
What level of cover should my Over 65 travel insurance include?
Your Over 65 travel insurance policy should include all the standard baggage, cancellation and money insurance. Most importantly you should make sure your policy has adequate cover for medical insurance.
Over 65s travel tips
- To ensure your break goes smoothly, the key is to plan ahead.
- Read up on your destination, both in guide books and online so you know what to pack, what the weather will be like, and to find out about local rules and customs – such as whether or not to tip.
- Check your passport is valid for at least six months beyond your return date, and get all your immunisations done in good time.
- Apply for a European Health Insurance Card (EHIC) as this entitles you to free or reduced-cost state medical treatment in many European countries.
- Don’t wait until you’ve got to the airport to change your money; shop around for the best deals on your currency in advance, and consider a prepaid currency card that you load up before you go.
- Remember to tell your bank that you are going abroad to avoid having your card stopped if your bank sees an unusual transaction at an overseas shop or ATM.
- Take photocopies of all essential papers, such as passport and driving licence, and leave copies at home.
- The risk of developing deep vein thrombosis can increase when travelling for long periods of time. If dehydration and poor circulation combine it can trigger a potentially life-threatening blood clot.
- Advice on how to prevent this can vary between medical professionals but most agree that drinking plenty of water, wearing flight socks, and walking and stretching your legs at least every two hours can help to avoid any chance of suffering from DVT.
- Check if it’s safe to drink the water once you arrive at your destination.