You’re never too old to see the world and have the time of your life. If you’re approaching retirement, or perhaps you’re already there and loving every minute of it, there are many wonderful destinations calling out to you, begging you to spend some time on their sunny shores, stroll along their magical snow-covered sidewalks on a winter’s day, and spend some time admiring the architecture that makes their buildings some of the most magnificent the world over.
While there’s so much to see and experience on an overseas holiday, it’s essential to stay safe and take care of yourself and the best ways to do that are to read up on your destination and prepare, not to mention find a good travel insurance provider to purchase a travel insurance policy from. As there are so many providers of travel insurance nowadays, many of which have special policies for older travellers, it’s essential that you take out the right travel insurance policy for your requirements, including making sure the policy you purchase covers any existing medical conditions that you may have.
Compare Insurers
As you’ll quickly come to realise, there are numerous travel insurers to choose from, so you need to be very selective about the ones that you apply to if you want to find yourself a good travel insurance provider without going through the application process too many times. That’s a great reason for using a leading medical travel insurance comparison website, as you can save a lot of time by using a single website to compare the insurance policies that a wide range of travel insurers are currently offering.
Be sure to read through the instructions carefully before you get started as there are many options available and you want to make sure that you’re selecting the right options for you, your medical history, your holiday destination and the kind of holiday that you’re planning on taking.
Consider Multi-Trip Insurance
If you’re embarking on more than one overseas holiday this year, it’s advisable to consider multi-trip travel insurance for seniors. Taking out a multi-trip policy can save you a lot of money, but you must bear in mind that the parameters involved in obtaining multi-trip travel insurance as an over-65 are usually quite tight because the insurer will want to ensure that any medical conditions you have notified them of aren’t going to require treatment while travelling over that 12-month period. A few things to bear in mind when considering a multi-trip insurance policy include:
- If you have received a recent diagnosis from a medical professional, you’re on a waiting list for medical treatment, or you’re currently recovering from surgery, you may find that there are many obstacles standing in the way of you taking out annual travel insurance cover.
- Most travel insurers have an on-going medical warranty. This means that if there are any changes to your medical condition, you are required to inform them immediately so that they can make sure you have the right level of cover for the changes in your medical condition. If you don’t tell them of any changes if they occur, even a minor change, you could find that your travel insurance policy is invalidated.
- There are individual and couple multi-trip insurance travel types so you can often save money if both you and your partner or spouse are travelling abroad together. However, if one of you has medical conditions that need to be declared and the other doesn’t, this can cause complications that make the insurance policy difficult to manage, depending on the quality of the insurer.
Multi-trip annual travel insurance cover is something that’s well-worth looking into if you’re planning on travelling abroad more than once in a 12-month period, however, there are usually very tight parameters for senior travellers with existing medical conditions that need to be declared. This may make an insurance policy of this variety unsuitable for many older travellers.
Specific Holiday Insurance Types – Cruise Insurance
Cruises are very popular with travellers of all ages, especially older travellers. As cruise holidays are very different from other types of holidays in many ways, it can be very advantageous to take out a cruise insurance travel insurance policy as this kind of travel insurance policy can prove more affordable for older travellers because it covers them for the kind of incidents and situations that are likely to occur on a cruise holiday. Here are a few reasons why taking out a cruise holiday travel insurance policy is crucial:
- Medical treatment can be very expensive on a cruise holiday if it can’t be provided on-board
While there’s high-quality medical assistance available for passengers on cruise ships, if you need to seek emergency medical treatment for a condition and the on-board paramedics aren’t able to treat you, it can be very expensive as you will likely need to be airlifted to the nearest hospital, which can be quite a distance if you’re miles from shore.
- A higher level of cancellation and curtailment cover is required for older travellers on a cruise
As seeking medical treatment at a hospital would require the cancellation of the cruise and changes to flights and other arrangements, including hotels booked in advance, a higher level of cancellation and curtailment cover is required. This can make cruise insurance seem expensive, but you have to take into account the costs that could be incurred through cancellations.
- High medical and personal liability cover is required in case the ship needs to change course
In some cases, cruise ships have had to alter course and make changes to their itinerary to get a passenger to shore to seek medical attention. This could result in a myriad of costs to the passenger, which means higher levels of medical and personal liability insurance is required by senior travellers.
Whether you’re taking a short break or you’re embarking on the world trip you’ve always dreamed of, taking out a travel insurance policy for seniors that meets your exact requirements is essential. Follow these tips to take out a medical travel insurance policy that meets all your needs and requirements.