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The percentage of the population who are over the age of 65 is increasing (now 17% in the UK ). More of and more of that sector of the market are taking the opportunity to travel and explore different parts of the world.
Despite people living more healthy and active lives, however, it seems that some Travel Insurers haven’t caught up. Most Travel policies are designed for travellers between the ages 18 – 64. The moment you hit that magical 65, you can be the fittest person in the world, but a lot of standard travel insurance policies will exclude you.
The good news is that there are now several specialist senior travel insurance insurers who will provide travel insurance for over 65′s.
Statistics proves, the older you are, the more likely you are to make some type of medical claim, there is no getting away from that fact. As Travel Insurance is a mass market product which is very price sensitive, most Insurers will try and keep costs down by offering a blanket, one size fits all policy. The age of 65 has long been established as the cut-off point.
As an OAP, you need a travel insurer that specialises in travel insurance for over 65. Because they understand the market, these specialists will be able to ask you specific questions about your health and medical issues and accurately assess your risk.
An over 65 travel insurance policy might result in a higher premium, but it means you will be fully covered, no matter what happens. Medical bills for injury or illness whilst abroad, can get extremely high very quickly. To ensure you are correctly covered it is important that you are totally honest and upfront with your Insurer and if you are not sure it is best to disclose any information you think is relevant.
Think about where you are travelling and how many trips you will be taking. You can save money by only covering yourself for Europe, rather than worldwide.
In most cases, annual senior citizen travel insurance policies are cheaper if you plan several holidays or trips a year. If you are over the age of 65. However, there are few insurers willing to offer annual travel policies, and it could work out cheaper taking several single trip policies.
The good news, however is that being over 65 you are much less likely to partake in any of the riskier activities, windsurfing, paragliding, jet-skiing, etc. Specialist Insurers understand the risk of an accident in this area is low and Insurers can reduce premiums accordingly.
If you own or hire a walking frame or wheelchair, make sure your policy covers medical equipment for loss theft or damage. Specialist oap travel insurance policies will normally have a list of common medical problems they will include without asking further questions. Its vital that all medical conditions are declared.
If it was known by you when you purchased a policy (or booked a trip, if later) that anyone on whom the trip depends on;
has received a terminal diagnosis; or
is waiting for an operation, hospital appointment, the results of any hospital investigations, (other than for regular check-ups for a known condition) or is waiting for or having hospital treatment;
if any person listed on the policy is travelling against the advice of a medical specialist or for the purpose of obtaining treatment.
They or you will not be covered for cancellation, medical expenses and hospital benefits.
We recommend taking copies of all necessary paperwork, such as your passport and driving licence. It is also advisable that you leave copies at home.
The risk of developing deep vein thrombosis especially in over 65′s can increase when travelling for an extended period. If lack of water and poor circulation combine, it may cause a potentially life-threatening blood clot.
Medical advice on how to prevent this can vary between doctors and other professionals. One thing the medical profession do agree on is getting plenty of fluids, wearing special flight socks, and moving around, stretching your legs at least every couple of hours can help to avoid any chance of suffering from DVT.