Seniors Over 70 Travel Insurance
You are most likely well into your retirement by now, with the days at the office behind you and the peace and quiet of retirement a true blessing. You might find that your life is in full swing now that you are retired, with gardening, luncheons, and trips to the movies, regular occurrences in your life.
Life is likely much-less stressful now and maybe its time to step your travelling career up a notch and start exploring more of the world, while you are fit enough to do so. There’s no better time like the present after all.
As a senior over 70, the risk you pose to travel insurers is somewhat higher than those younger than you, and as such, travel insurance can be significantly higher for a person of your age. This is because health risks are higher as a senior person, with some medical conditions being more prevalent in older people. You might find that the cost of travel insurance continues to rise the older you get, with fewer benefits available and some pre-existing medical conditions being excluded from insurance policies.
It is critical for seniors over 70 to buy travel insurance, regardless of the costs, because the risk of falling ill or hurting yourself when travelling is a lot higher than younger people. Travel insurance will cover you for any medical or emergency assistance you might need, whether related to a pre-existing medical condition or not. It will also cover you against a delayed or cancelled flight, or trip cancellation due to health issues and other emergencies. Travel insurance will cover your belongings against any loss or theft, together with the loss or theft of cash you are carrying.
There are ways to cut costs of travel insurance as a senior over 70, so before you buy travel insurance, you should consider the following:
Your activities: As a senior over 70, chances are that you will participate in low-risk activities and you might even choose to spend a lot of your holiday or trip indoors. If this is the case, you might be better off buying a limited benefits insurance policy, that covers only the essentials.
Your health: It is essential to know your health status and to be fully aware of your medical needs before purchasing a travel insurance policy. You should inform your insurer of any pre-existing medical conditions so that they can accurately assess your insurance needs, and cut costs for unnecessary medical expenses.
Your travel length: If you plan on only travelling for a weekend or a few days, it might not be necessary to buy a comprehensive insurance policy. But if you plan on travelling for a longer period of time, there is a higher risk of running into health problems or other emergencies that will require a more comprehensive travel insurance policy.
When choosing a travel insurance policy, it is advisable to read the insurer's Product Disclosure Statement (PDS) for information regarding pre-existing medical conditions and what is covered. You might be required to submit a doctor’s consent form for travelling or a declaration of your medical conditions before an insurer will consider offering you travel insurance.
We also offer travel insurance for seniors over 80.