At the age of 65 you’re probably starting to think about retirement and what to do with your newly found freedom. Soon there will be an end to the 9-5, meeting the same people and seeing the same old places, and you’ll have the opportunity to explore.
You might be thinking about revisiting some of the travel hotspots from your youth, or maybe you’re finally considering that safari holiday, or a big trip down under. There are also benefits to being an older traveller – many destinations across Europe provide discounted access, so now is the time to capitalise on your years.
Whatever the destination, it’s important that you have travel insurance that covers you for every eventuality, but being an older traveller can sometimes pose difficulties when it comes to getting insured.
Can I get insured?
In our youth the cost of travel insurance didn’t vary much, but as you reach 65 many insurers charge a premium. This is because travel insurance is calculated based on the traveller’s level of risk, which mostly comes down to our health. As older travellers we are more likely to have medical conditions and therefore our risk increases.
However, we believe that age is not a reason to restrict or refuse cover. A refreshed desire to travel after reaching your retirement should not be rewarded with costly restrictions. That's why Age UK Travel Insurance has been designed to meet the needs of those in later life, including no upper age limits and insurance for pre-existing medical conditions wherever possible†.
†Subject to medical screening and acceptance by underwriters. Medical exclusions may apply and acceptance is not guaranteed. Terms, conditions and exclusions apply to this insurance.
What if I have pre-existing medical conditions?
It’s quite likely that you will have pre-existing medical conditions as you get older and it's important to declare these to ensure that you are protected against any eventuality.
Many people suffer from pre-existing medical conditions, such as high cholesterol, high blood pressure and diabetes. While it’s quite unlikely that anything will happen to you on your travels, and we hope it doesn’t, preparing for any eventuality will give you the peace of mind to enjoy your adventure.
If you do suffer from pre-existing medical conditions it’s important that you take out the correct level of cover to ensure that you’re not left in a difficult situation should something happen. Plus, if you take out travel insurance at the point of booking, in most cases it’ll also cover against cancellation should your circumstances change.
Find out more about travel insurance with pre-existing medical conditions.
Things to consider
It’s worth thinking about how often you plan to travel before taking out travel insurance. For instance, if you’re planning to make the most out of your newly found sense of adventure, you might get better value for money by taking out an annual multi-trip policy.
You should also consider what you’re planning to do whilst on holiday. You might be thinking about doing activities, such as skiing, which requires a different level of cover.
Lastly, your destination will also impact the cost of your insurance as it changes your level of risk.
Find out more about Age UK Travel Insurance