Top 10 tips for over 50,s travel insurance
Travel insurance is important, particularly for the over 50s. Now more than ever, you need insurance cover to protect yourself against any unfortunate accident or illness on holiday.
Travel insurance for the over 50s is vital, and as many retired couples and singles spend so much time travelling, the right holiday insurance will cover you for medical emergencies, cancellation of holidays, theft of credit cards and money, and a host of other eventualities.
Ten top tips about holiday travel insurance:
1. Shop around before you buy holiday travel insurance as policies and prices vary between insurers. It is vital you search the market for the right product for you as over 50s travel insurance can differ greatly.
2. Make sure you read the policy documents thoroughly, particularly the small print, to understand what is covered and what is not. If you have any questions, ask your insurer before you leave.
3. Keep a copy of your travel insurance documents at home or give a copy to a family member in the UK in case they need to contact your insurers on your behalf.4. You may be given a wallet-sized insurance card with emergency numbers, so keep this safe at all times.
5. Make sure you declare any pre-existing medical conditions to your insurer as failure to do so could result in your insurance being invalid.
6. If you are travelling to Europe, take a European Health Insurance Card with you. You can pick up a form for this from your local post office. This will give you access to free or reduced cost emergency medical treatment in the EU. Additional medical travel insurance should also be taken however.
7. Never let your luggage or belongings out of your sight or your insurer may refuse to pay out for any baggage loss claim.
8. Make sure you are not travelling to a country that has been declared unsafe by the Foreign and Commonwealth Office (FCO) as it will be almost impossible to get travel insurance cover.
9. If you are over 50, choose a travel insurance company which allows pre-existing medical conditions with no excess to pay.
10. Don´t choose the cheapest option travel insurance without checking if the cover is adequate for you and your family.
Leaving home without adequate medical travel insurance cover is not just foolhardy, but it could even result in you spending your life savings on medical expenses. Make sure you are safe on holiday and insure for emergency treatment, loss of baggage or personal items, and general medical expenses.
If you are over 50, over 60, over 70 or over 80, choose a regulated travel insurance company which specialises in travel insurance for the over 50s. A full and comprehensive travel insurance policy will give you peace of mind on holiday, and all you will have to worry about is enjoying yourself.
Travel insurance for the over 50s is vital, and as many retired couples and singles spend so much time travelling, the right holiday insurance will cover you for medical emergencies, cancellation of holidays, theft of credit cards and money, and a host of other eventualities.
Ten top tips about holiday travel insurance:
1. Shop around before you buy holiday travel insurance as policies and prices vary between insurers. It is vital you search the market for the right product for you as over 50s travel insurance can differ greatly.
2. Make sure you read the policy documents thoroughly, particularly the small print, to understand what is covered and what is not. If you have any questions, ask your insurer before you leave.
3. Keep a copy of your travel insurance documents at home or give a copy to a family member in the UK in case they need to contact your insurers on your behalf.4. You may be given a wallet-sized insurance card with emergency numbers, so keep this safe at all times.
5. Make sure you declare any pre-existing medical conditions to your insurer as failure to do so could result in your insurance being invalid.
6. If you are travelling to Europe, take a European Health Insurance Card with you. You can pick up a form for this from your local post office. This will give you access to free or reduced cost emergency medical treatment in the EU. Additional medical travel insurance should also be taken however.
7. Never let your luggage or belongings out of your sight or your insurer may refuse to pay out for any baggage loss claim.
8. Make sure you are not travelling to a country that has been declared unsafe by the Foreign and Commonwealth Office (FCO) as it will be almost impossible to get travel insurance cover.
9. If you are over 50, choose a travel insurance company which allows pre-existing medical conditions with no excess to pay.
10. Don´t choose the cheapest option travel insurance without checking if the cover is adequate for you and your family.
Leaving home without adequate medical travel insurance cover is not just foolhardy, but it could even result in you spending your life savings on medical expenses. Make sure you are safe on holiday and insure for emergency treatment, loss of baggage or personal items, and general medical expenses.
If you are over 50, over 60, over 70 or over 80, choose a regulated travel insurance company which specialises in travel insurance for the over 50s. A full and comprehensive travel insurance policy will give you peace of mind on holiday, and all you will have to worry about is enjoying yourself.
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