Over 65s Travel Insurance Guide
When you retire, it’s the perfect time to travel and visit all those places you’ve dreamt about. However, once you hit the age of 65, travel insurance premiums increase, with some insurers’ even withdrawing cover. This can seem unfair, but the last thing you will want to do is travel without protection in case things go wrong. So what do you do? Well, there’s certainly no need to let it become a barrier to you jetting off and enjoying a holiday, it’s simply a matter of finding an insurer that’s sympathetic to your needs and will welcome your custom regardless of age, and that’s where we can help! Our comparison facility is designed to take away the frustration of finding single trip and annual travel insurance over 65 by searching a panel of insurers that specialise in older travellers to find you over 65s cover at a reasonable price.
Travel Insurance Over 65 with Pre Existing Medical Conditions
As we get older, we’re more prone to health issues and whether minor or serious, in order to be provided with the right level of cover, it’s essential to notify your travel insurer of pre-existing conditions prior to purchasing a policy. It’s common for over 65 year olds to be prescribed precautionary medication to keep conditions such as Hypertension, High Cholesterol and Osteoarthritis at bay, and although such conditions if controlled and managed well are unlikely to affect the premium, it’s just as important to declare them as well as other past and current medical conditions when applying for travel insurance over 65. Medical Travel Compared makes it easy to declare your medical conditions here online. In fact you only have to complete the medical screening once in order to compare prices and cover of several over 65s travel insurance policies that will meet your requirements – this is a great way to save time and even money!
For further information about applying for travel insurance with medical conditions, please read our helpful ‘Online Medical Screening Guide’.
A Few Tips When Buying Travel Insurance Over 65
Here's a few things you might also want to take into consideration when buying travel insurance over 65 years of age.
Tip 1: Don’t Forget to Add Your Travelling Companions
When insured separately, you and your companions could find that you’re not fully covered in the event of cancellation or curtailment if it’s in anyway related to pre-existing medical conditions. Don’t worry, if your companions have no medical conditions their premium will not be loaded to be included on your over 65 travel insurance policy – but they will have added security!
Tip 2: Check the Length of Trip Duration on Annuals
Annual policies specify a maximum of days you can be away for per trip. If you’re planning a long stay holiday of more than 31 days, do check the policy terms to make sure it will fully cover you for the whole time you’re away. If not, applying for Over 65 single trip cover could be the best solution.
Tip 3: Cruise Cover for Over 65 Holiday Insurance
If you’re going on a cruise, travel agents and cruise ships often require you to have adequate cover in place before boarding. Adding cruise cover will provide protection against things like missed port departure and cabin confinement. If you fall ill on a cruise, you may need to be airlifted to a mainland hospital, making cruise cover essential! Read our guide on Cruise Travel Insurance to find out more.
For further tips, please take a look at our Guide to 'Buying Travel Insurance Online'.