Nothing solves the retirement problem like a good holiday. The 9-5 routine may be gone, but a new door of opportunity is open to you and it’s time to explore.
Perhaps you have a travel bucket list you want to get started on, or you just want to return to some of your favourite places across the globe. You might even want to dive in and take the grandchildren on a trip to Disney World. Plus, there are benefits to being an older traveller – you’re not tied to a holiday calendar and many destinations across Europe provide discounted access, so it’s time to make the most of it.
Wherever you decide to go, it’s important to make sure you take out travel insurance that’s right for you, but older travellers often find it harder to obtain the cover they need.
Can I get insured?
For travellers over 70, many insurers charge a premium and some even stipulate an age limit. This is because travel insurance is calculated based on your level of risk, which largely depends on your health. As we get older we are more likely to have health problems and therefore our risk is higher.
However, age is not a reason to penalise or refuse cover. That's why Age UK Travel Insurance has no upper age limit and provides cover 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 and many people suffer from them. Common conditions include high cholesterol, high blood pressure and diabetes.
It's important to declare any pre-existing medical conditions to ensure that you are protected against any eventuality.
If you do have any pre-existing medical conditions, or have a history of medical problems, it’s important that you take out specialist cover to give you the peace of mind to enjoy your trip. If you don’t you could be left to deal with a difficult and costly situation if something were to happen. Plus, in most cases, if you take out travel insurance at the point of booking it’ll also cover against cancellation should something change.
Find out more about travel insurance with pre-existing medical conditions.
Things to consider
Before you buy, it’s worth thinking about how often you plan to travel. For instance, if you’re planning to make regular trips, you might be better suited to an annual multi-trip policy. Alternatively, you could consider a single trip policy.
You should also think about where in the world you’re travelling to as it will also change your level of risk.
Lastly, if you’re planning to travel with family, an Age UK Travel Insurance policy will provide free cover for children under 18*, providing they are named on the policy. So ensure you familiarise yourself with the details before unnecessarily adding to your costs.
Find out more about Age UK Travel Insurance
*Free cover for children is subject to them being covered under the same policy as an insured adult and subject to underwriting acceptance and policy terms and conditions. If a child requires medical screening they will attract a premium in respect of this.