| Travel insurers seem to think that people over the age | | | | plan to travel abroad more than once a year, it could |
| of 65 are more likely to make a claim for medical care | | | | be cheaper to buy multitrip or annual travel insurance |
| so the cost of travel insurance can be more than | | | | policy rather than single trip cover. Not only is it often |
| double the premium of someone under 65. | | | | cheaper, but it also reduces the amount of paperwork |
| So, are travel insurance companies missing a trick? | | | | involved as you only have to supply the information |
| There are nearly 10 million people in the UK aged over | | | | once, instead of several times. |
| 65 who, with no commitments and having cleared | | | | Another way to keep costs down is to ensure that |
| themselves of a mortgage and their children, are | | | | you don't pay for cover you will not need. Many |
| travelling more than ever. There are plenty of over | | | | standard travel insurance policies for families include |
| 75s travelling too and this group is even more | | | | coverage for winter sports, for example. Try to get a |
| marginalised by major insurers. | | | | travel insurance quote based solely upon your travel |
| Of course these people are not white water rafting, | | | | needs and personal circumstances rather than a one |
| snowboarding or mountain biking and in most cases | | | | size fits all policy. |
| are relaxing in the sun or travelling to see parts of the | | | | Insurers can refuse to cover medical expenses |
| world whey have an interest in. | | | | abroad if the treatment is for a pre-existing medical |
| Healthier lifestyle and medical advances means that | | | | condition. This includes any ongoing medical condition or |
| age should not be regarded as the major risk factor it | | | | a condition you've had in the past. If you're not asked |
| once was. There are a lot of people aged over 70 | | | | about your medical history, so make sure you tell the |
| who are perfectly fit and healthy and many of these | | | | insurer when you buy the policy, however irrelevant it |
| may now be fitter than the 25 year old binge drinking | | | | may seem. Some insurers will cover you but may |
| smoker who is riding his hired scooter in Ibiza or | | | | charge an extra premium or make certain exclusions. |
| partying on the hotel balcony. | | | | Due to the fact that over 65 travel insurance is often |
| So if you are over the age of 65 and want to travel | | | | more expensive, it is even more important to shop |
| the world with peace of mind what do you do? | | | | around when searching for the insurer and policy that |
| Some insurers won't cover people over 65 at all, so | | | | will give you the best possible deal. |
| always check the age limit before buying a policy and | | | | But whatever you do, make sure do not give up on |
| get quotes from providers who aim to offer older | | | | protecting yourself whilst travelling and certainly dont |
| travellers a good deal. There are some insurers who in | | | | be put off from travelling because of this, there are |
| certain circumstances provide cover up to age 89. | | | | good companies who offer good rates that will make |
| There are some other factors to consider when | | | | sure you are not counting the cost further down the |
| looking for affordable over 65 travel insurance. If you | | | | line. |