What should people over 60 consider before buying travel insurance?
Unfortunately, people over the age of 60 are considered a higher risk to insurers, and so travel insurance premiums may be more expensive for travellers of this age, particularly once you are over the age of 65. Upper age limits can apply on certain travel policies; for some travel policies where the upper age limit is 75, there will still be conditions for over-60s under the age limit to consider, such as a limitation on the duration of your trip if you are between 65 and 75.
How can someone over 60 make their travelling easier?
One of the most important ways for an over-60 to achieve peace of mind when purchasing travel insurance is to declare all pre-existing medical conditions. This allows the travel insurer to create a policy which covers any likely eventuality, and also means that you are guaranteed to be covered if you should need to make a claim – failing to declare a relevant condition could invalidate your claim.
People over 60 travelling within Europe should also consider taking out a European Health Insurance Card (EHIC) – these are free. Please note that having an NHS does not replace the need for travel insurance.
What can you expect a travel insurance policy for the over-60s to include?
Travel insurance for the over-60s can cover you against a wide range of eventualities, including:
Being over the age of 60 is no reason not to love travelling! Making sure you have the right travel insurance policy in place can give you the peace of mind that you need to really enjoy your time away.