Travel Insurance Over 65 - Top tips to Avoid Mistakes
When you buy an over 65 travel insurance policy you are entering into a legal contract with the insurer to provide a specific level of travel insurance to cover the people, duration and destinations that you specify. Therefore it is important that you enter all these details accurately when buy. If you make a mistake you could find that your policy is invalid, or doesn't provide the cover that you thought it did. But don't worry; it's easy to avoid these common mistakes. When you buy a travel insurance over 65 policy online take a bit of time to make sure that you have filled out your details carefully and remember that you have a 14-day cooling off period in which you can change or cancel your policy.
When you receive your travel insurance over 65 policy documentation check through it carefully to ensure that all the details are correct and always read your policy wording carefully, so that you can be sure that you will be fully covered for your particular holiday. If you are in doubt about what your travel insurance policy will cover you for, call the provider or visit the FAQ page on their website.
We've put together a list of mistakes that holidaymakers sometimes make when they are buying a travel insurance policy.
Avoid making mistakes on your over 65 travel insurance policy
Personal details, including your age
Sometimes people enter incorrect personal details and then wonder why they are not covered when they come to make a claim. Make sure you enter your personal details accurately. It is particularly important to include your correct date of birth on over 65 travel insurance. Some insurers may ask for your age or date of birth at the time of travel, other may ask for your age at the time of purchase.
Enter travel dates correctly on single strip policies - your travel insurance policy could become invalid if you haven't entered accurate travel dates. Your over 65 travel insurance policy should cover the entire duration of your trip.
Medical conditions & travel insurance over 65
All medical conditions should be declared when you buy travel insurance, even underlying ones such as high blood pressure or high cholesterol.
When a travel insurance medical screening question asks you about 'ongoing treatment', this can refer to taking medication.
Ensure that all your holiday activities are added to your over 65 travel insurance cover. Some people don't realise that certain activities, such as kayaking or high altitude trekking, may need to be added as extra cover to standard policies.
Annual travel insurance for over 65s
Make sure that your annual policy covers you for all the countries you plan to visit and the length of trip you intend to take. Many over 65s and senior citizens have the time to enjoy extended trips abroad, check that your annual over 65 travel insurance will cover you for the length of trip you intend to take. Some policies will only cover individual trips of up to 31 days.
Renewing your annual travel insurance policy
Renew your annual policy before it expires, otherwise any future trips that you have booked will not be covered for cancellation.
Travel insurance cover for your possessions - single items
Be aware of the level of cover for single items on your travel insurance - some providers only offer cover for possessions that are valued at £250 or under.
Cooling off period
When you purchase an over 65 travel insurance policy, by law you should have a 14 day cooling off period (which is a standard Financial Services Authority requirement) during which time you can cancel or amend your policy without charge. After this time, you might not be able to make any changes, or if you can there may be a charge.
Receiving medical treatment abroad
Call your over 65 travel insurance provider's medical assistance team if you need to receive medical treatment or medication abroad as it may need to be authorised. Your travel insurance provider will supply you with an emergency medical support telephone number that will be available 24 hours a day.
Receipts, police reports and doctor's notes
Depending on what you are claiming for, receipts, police reports and doctor's notes may be essential to make a travel insurance claim, so hang onto them.