Travel insurance for older people

Every travel insurance provider is different. For some, the age limit means they will never cover anyone above that age. For other, they will consider offering a quote for an extra price depending on the age, health, and travel details. Generally, insurers have a limit, which is five years lower on annual policies compare to single trip ones.

There are over 9 million people in the UK aged 65 and over who are travelling more than ever. There are plenty of over 75s travelling too. Healthier lifestyles and medical advances means that age should not necessarily be regarded as the major risk factor it once was. There are many people aged over 70 who are perfectly fit and healthy.

For most frequent travellers annual, multi–trip policies are the most cost effective method of buying travel insurance. For those over 65 this is reversed, with single trip policies often offering the best value - unless you are a very frequent traveller.

Insurers increasingly use tele-underwriting, a telephone interview, to assess risks of older travellers. A sophisticated version of this is medical screening.

As so many insurers are now increasing their upper age limits, it is less hard for those who are under 70 to get insurance. There are a few specialists who only seek the over 50 market. An increasing number of providers have increased age limits on their range of travel insurance policies and/or introduced special policies for those over 65 - there are now so many of these it is impossible to list them all out. There is a small handful of providers who have no upper age limits at all.

If you have particular health requirements, or are diagnosed with an illness, it’s a good idea to consult your doctor before taking any long journey. If you take regular medication ask your doctor to prescribe enough for the whole trip and a little extra in case there are delays. You also need to remember to cover the journey time too. It may also be helpful to check out if there are any laws against taking certain medications to certain countries; a doctor’s note may be advisable. Make sure your vaccinations are up to date – you may need boosters. Visit your doctor or nurse at least six weeks before going away. If you have an on-going condition you may need your doctor’s written consent to travel.



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