The Foreign and Commonwealth Office (FCO) is urging travellers over the age of 50 to make sure they have adequate insurance in place before embarking on any cruises or holidays, Travel Weekly reports.
A recent study conducted by over-50s experts Saga, showed that 8% of UK workers approaching their retirement plan to spend some of their pension money on travel - cruising in particular. This is partly due to the changes to pension legislation, due to come into force on April 6, which will make it easier than ever for retirees to access their pension pots as and when they like.
In light of this, the FCO has stressed the importance of older travellers taking time to research their various medical travel insurance options, as well as providing insurers with detailed and up-to-date medical history information. The organisation is also reminding consumers of the potentially high costs of not being insured.
"We urge all travellers to think about the effect not having comprehensive insurance can have on both themselves and their families. A medical emergency abroad can be extremely expensive if a traveller is not adequately insured for pre-existing conditions," advises John Heppenstall, head of consular campaigns at the FCO.
Meanwhile Roger Ramsden, chief executive of Saga Services, pointed to research which shows that today's over 50s are "as adventurous and active as their younger counterparts." This means that they need to be properly covered, and travel insurance policies should meet the changing needs of this demographic.
"Buying adequate travel insurance should be at the top of every holidaymaker's list and something which should be carefully considered rather than rushed at the last minute, potentially leaving people inadequately covered," he added.