Travel Insurance for Over 65's

Everyone has different travel insurance needs and a package that suits others may not suit the more senior traveller. Nevertheless, finding the right insurance policy is probably even more essential, particularly in your older years. Actually, being older than the average holiday maker is one area where 'over 65s' or senior citizen's travel insurance can provide better benefits than standard travel insurance.

As you grow older you are likely to take fewer risks and this is recognised by insurers with the result that the cost of insurance policies should decrease. But if you are over 65 and require insurance it is important to check a number of providers because you could end up paying too much if you don't request special rates because of your age.

Travel insurance for people over the age of 65 should provide adequate cover for medical expenses as well as protection against theft, loss, or cancellation of your holiday. You will also receive emergency medical repatriation back home if necessary as well as replacement insurance for any treasured items which disappear while you are on holiday.

When buying a policy, don't just compare the prices of holiday insurance products, compare the benefits of the cover, the exclusions, product features and terms in small print. Whilst most insurance providers offer comprehensive cover including £10 million of medical expenses cover, £20,000 of personal accident cover and £2 million personal liability cover, it is important to inform the insurer if you have any medical conditions that may affect your quote and policy.

Protection Against Travel Risks

Travel insurance provides you with financial protection against travel associated risks. You are therefore covered before you set off and during your holiday. Travel insurance, particularly for senior citizens, OAPs or those over 65 years old is recommended for holidaymakers to cover them in case of cancellation; loss or theft of contents; or medical expenses. Insurance companies can also provide cover for medical assistance, emergency services, baggage loss and damage as well as cancellation by the tour operator.

If you would prefer to find out more about your policy over the phone rather than the Internet, most insurers provide a dedicated telephone number. This will allow you to talk to a specialist who will be able to 'walk you through' getting a policy.