Whether it be due to retirement or just simply having more time over 65 year old are the most common people to travel however many find it difficult to find reasonable travel insurance as over 65s are often penalised and some travel insurance companies will simply refuse to insure someone over the age of 65.
Because of this increase in cost it is becoming g more and more difficult to find those that are over 65 a low cost holiday insurance package. Many travel insurance companies will state this is due to the pr existing health problems with people in this age bracket.
If a person is more likely to claim on their travel insurance policy then the insurance companies will increase their premiums to cover this cost or sometimes just refuse to cover someone at all which can be both frustrating and inconvenient.
If you are looking for holiday insurance and fit into the over 65 age range then it is important to be as honest as possible with your travel insurance company. If you receive cover and have not been honest about pre existing illnesses then you may find your self in a situation where you are not covered
You may think that by the age of 65 you should be able to look forward to as many holidays and trips abroad as you possible can, finding suitable insurance really can be a daunting task and unfortunately as your age grows so does your travel insurance premiums.
However all is not lost, although it may be more difficult there are companies that can provide you with the holiday insurance and peace of mind that travel insurance can offer you, it may just take a little longer to find it.
Having adequate holiday insurance is extremely important no matter what age you are and is not something that should be over looked. The best place to start when looking for travel insurance is over the internet. Using online forms means that you can fill out and compare prices in the comfort of your own home.
Once you have found a package that suits you and your fellow traveller you will be able to enjoy your holiday knowing that every event is covered. Once you have found a company that suits you and provides you with help and support you will also know that you can use the same company time and time again so you will not be dreading your next vacation.
If you find your self struggling to find travel insurance for your age group ask friends and family for recommendations its is possible they have recently taken a trip themselves and can give you details of the insurance company they used.
The situations that are commonly covered by travel insurance are emergency medical assistance, death, a canceled trip and damaged baggage. You can generally take out travel insurance for any or all of these options, although it may not always be necessary. Make sure you understand exactly what your policy does and does not cover.
If you are traveling overseas, always check your existing medical insurance to see whether it covers you away from home - you may not need to take out extra travel insurance. And you may not need to take out as much travel insurance if you have a major credit card - most credit cards include some kind of basic travel or trip cancellation insurance.
So if you do need travel insurance, where do you get it from? Most cruise lines, travel agents, airlines and tour companies will provide adequate and comprehensive travel insurance. If you are taking a cruise, it may be easier to let the cruise line handle it - they may also be able to offer you a lower rate as they can buy group rate coverage.
Some insurance won't cover pre-existing medical conditions or participation in dangerous activities such as skiing or mountaineering. Decide whether you need this type of insurance before you travel - most insurance companies won't allow you to add so-called dangerous sports coverage to your policy once you are actually there.
The cost of travel insurance can be a lot higher if you are traveling to certain countries that are considered to be risky or unsafe. These "travel advisories" are maintained on a list by the US Department of State. American citizens are still forbidden to travel to Cuba and obtaining travel insurance to go there is almost impossible.
Some insurance policies will cover acts of terrorism while other policies won't - always check the small print or contact your insurance company if the policy isn't clear. Check whether your policy covers you in the event of natural disasters such as floods or earthquakes - especially if you are traveling to certain parts of the world.
If you are traveling to a country where riots, civil disturbances, strikes or other outbreaks are likely to affect your travel plans, look for travel insurance that specifically covers those possibilities - many policies exclude them.
And airlines reserves the right to cancel your flight and offer you a full refund in the event of civil war, hostilities, riots or other things determined to be "acts of God". As far as lost luggage is concerned, airlines insure your luggage against loss or damage to some degree - you can take out extra insurance if you want to.
If you are traveling as part of a group - often defined in the travel industry as 10 people or more - it is almost certainly easier and cheaper to take out group travel insurance. As long as your group is traveling together, it should qualify.
And so-called "family plans" are often less expensive when it comes to travel insurance for families traveling together - family may include extended family such as cousins, grandparents and various in-laws.
Like most insurance products - travel insurance can be confusing. It's certainly worth taking out the right insurance - at the right price - so you can actually enjoy that long awaited trip.
Both Vicki Churchill & Casey Yew are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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