Is It Too Hard To Get Travel Insurance If You Are Over 65?
Topics: travel insurance, over 65, ageism, holidays, holiday cover
Travel insurers seem to think that people over the age of 65 are more likely to make a claim for medical care so the cost of travel insurance can be more than double the premium of someone under 65.
So, are travel insurance companies missing a trick? There are nearly 10 million people in the UK aged over 65 who, with no commitments and having cleared themselves of a mortgage and their children, are travelling more than ever. There are plenty of over 75s travelling too and this group is even more marginalised by major insurers.
Of course these people are not white water rafting, snowboarding or mountain biking and in most cases are relaxing in the sun or travelling to see parts of the world whey have an interest in.
Healthier lifestyle and medical advances means that age should not be regarded as the major risk factor it once was. There are a lot of people aged over 70 who are perfectly fit and healthy and many of these may now be fitter than the 25 year old binge drinking smoker who is riding his hired scooter in Ibiza or partying on the hotel balcony.
So if you are over the age of 65 and want to travel the world with peace of mind what do you do?
Some insurers won’t cover people over 65 at all, so always check the age limit before buying a policy and get quotes from providers who aim to offer older travellers a good deal. There are some insurers who in certain circumstances provide cover up to age 89.
There are some other factors to consider when looking for affordable over 65 travel insurance. If you plan to travel abroad more than once a year, it could be cheaper to buy multitrip or annual travel insurance policy rather than single trip cover. Not only is it often cheaper, but it also reduces the amount of paperwork involved as you only have to supply the information once, instead of several times.
Another way to keep costs down is to ensure that you don’t pay for cover you will not need. Many standard travel insurance policies for families include coverage for winter sports, for example. Try to get a travel insurance quote based solely upon your travel needs and personal circumstances rather than a one size fits all policy.
Insurers can refuse to cover medical expenses abroad if the treatment is for a pre-existing medical condition. This includes any ongoing medical condition or a condition you’ve had in the past. If you’re not asked about your medical history, so make sure you tell the insurer when you buy the policy, however irrelevant it may seem. Some insurers will cover you but may charge an extra premium or make certain exclusions.
Due to the fact that over 65 travel insurance is often more expensive, it is even more important to shop around when searching for the insurer and policy that will give you the best possible deal.
But whatever you do, make sure do not give up on protecting yourself whilst travelling and certainly dont be put off from travelling because of this, there are good companies who offer good rates that will make sure you are not counting the cost further down the line.
Shaun Parker has travelled to many destinations since he turned 65, he still goes to the gym and is still fitter than many half his age but found huge problems getting travel insurance until he discovered www.theidol.com
Previous Articles Highlighter:
Fly Fishing Tips For Beginners (1)
Tip #3: Holding your Rod Effectively It's important that you learn to hold your rod effectively under any fishing conditions. You want to make sure that you maintain good control at all times without gripping too hard.
Great Tourist Attractions In New York (2)
A few notable spots in this famous park include Central Park Zoo which is a great alternative for families that do not want make the journey to the equally popular Bronx Zoo.
Preferred Tools Of The Car Detailing Trade (3)
Use the crevice tool to clean in between seats and areas that cannot be reached with the standard upholstery tool. The floor wand is a detailer's preferred tool. Use it for vans and in your showroom.
Barcelona: 2 Wonderful, Authentic Locations You Won't Find In The Tourist Guides (4)
If you make your way along that fabulous kilometre of sights and sounds looking for a a place to eat, however, you will probably be disappointed. That's not to say there are no restaurants, of course.
Some Important Considerations When Buying A Home Treadmill Online (5)
This is also a downside because since everyone and their brother wants one the fitness market is flooded with them and with so many choices and price ranges it can be confusing.
Dog Training Equipment For House Training (6)
To fully get his attentions to the dog training equipment, get him used to hearing the clicks following his name, afterwards the treat. This process with of the dog training equipment won't take much time, but can be very substantial and constructive in the end.
Green Openwork Basket For Violets (7)
1 rattan, 2 weavers of No. 2 rattan, An iridescent glass bowl. Nothing could be more harmonious than the cool green of this open-meshed basket enclosing an iridescent glass bowl filled with violets.
Why You Should Use A Quality Car Cover To Protect Your Car From Damage (8)
Most covers are made to protect the car from natural causes. A lot of sports cars paint have been ruined by tree sap falling down when a careless owner parked under the tree in the driveway, most drivers also don't ever notice how the paint will fade over time due to the car being out hot in the blazing sun.
Slow Down And Take A Look At The Rewarding Hobby Of Sports Collectibles (9)
You may see a hat with a favorite team or a ball with a special logo. You can have anything you want as long as you can find it.
Summer Snow Brings 2008 Ski Season Hope (10)
While the snow would often start in early November before this ski season, disastrously no sustained snow periods arrived until March this year. No official figures have been released yet as to how many tourists visited this year, but some officials are reported to be guessing at a year on year fall of ten per cent.
Newer Articles Highlighter:
Free Things To Do When Visiting Orlando Florida (1)
There's the transportation, the lodging, where to eat, and what to do. Today we'll discuss free things to do when visiting Orlando. If you are staying close to Disney World but not in a Disney hotel, you can still enjoy the Disney amenities for yourself for free.
Dish Network Vs Direct TV: Don't Make The Same Mistakes I Did (2)
If you find sites that keep on top of all the changes, like I did, especially on a daily basis, you'll save yourself so much time, effort and frustration. Now, here are a couple of things I noticed while researching Dish Network vs Direct TV.
Speak English Clearly And Grammatically, And Boost Your Success! (3)
Enunciate Colloquial speech is littered with signs of laziness. We drop word endings, run our words together and create sentences that never seem to end. Sometimes it is too easy to take this style of speech into the boardroom.
The Different Ways To Learn Golf (4)
If you want yours to be productive, try taking up a sport. But if you don't have a sport yet, then why don't you try golf. Unless you want to make a career out it, it will help ease out tensions and keep you relaxed because it is mostly spent outdoors.
Low Cost Airlines And Cheap Fare - Are Indian Budget Travelers Really Satisfied? (5)
He is the founder of www.admanya.com which is India's leading C2C portal. Admanya is completely free and depends on user participation for its content. Join Admanya and be an empowered consumer.
Mold Dogs Are Not Used By Professionals (6)
This is all but the deliberate infection of an animal that cannot do anything to help itself if it needs medical attention. Dogs and other animals are not aware of the existence of medical treatment and cannot alert their owners that something is wrong with them.
English Word Stress - Does It Really Matter? (7)
Let me explain. English language teaching theory has traditionally been based on native English forms, more specifically British and American English varieties. In today's international community however, where more than 1 billion non-native English speakers use English as a lingua franca, teaching theory is changing to focus on English as an International Language (EIL).
Story-Telling Basics - 7 Powerful Steps To Telling Great Stories! (8)
If you've chosen the right story and delivered it correctly, you will actually see the light bulbs going off above your listeners' heads. If you have to say, "I guess you had to be there," you have not told a clear and effective story!
Fun Pet Products For Birds (9)
Parrots are famous for trying out new toys by hanging upside down and using their beak to grab hold of a rawhide chew with a bell attached to it. These large birds are not afraid of metals an will tap the bells a lot and to some pet owners, these sounds might become quite irritating.
Working With Animals And Maintaining Hygiene (10)
Once you have cleaned the dog you will need to dry them there are three methods that can be used, blast drying, you use a blast dryer to get off excess water, making sure you dont blast dry down the ears.
Permalink to Is It Too Hard To Get Travel Insurance If You Are Over 65?