Travel insurance over 65: Cover your companions on the same policy

By , January 26, 2012 4:48 pm
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travel insurance over 65

Covering your travel companions on the same travel insurance policy will mean that you are more likely to be covered if you have to cancel your holiday due to your travelling companions pre-existing medical condition.

In this post we’re talking about why it can be an advantage to cover your travelling companions on the same travel insurance policy, particularly if you or they are over 65 or have pre-existing medical conditions.

You may be fit to go on holiday, but what about the people you are travelling with?

If you are heading off on holiday with a spouse, friend or family member who has a pre-existing medical condition, getting the right travel insurance cover for all of you is very important.

If one of you or all of you have pre-existing medical conditions, regardless of whether you are over 65, it can pay to be covered on the same travel insurance policy, rather than on separate travel insurance policies.

Being covered on the same travel insurance policy will ensure that you will all have travel insurance cover in place in the event that you have to cancel or cut short your holiday due to your companions pre-existing medical condition (so long as the medical condition was declared when you purchased the travel insurance).

This element of travel insurance cover can often be overlooked by healthy travellers over 65 who might be looking for the cheapest travel insurance cover they can find. But, if your travelling companion falls ill before you depart on your holiday due to a pre-existing medical condition, causing your trip to be cancelled, you may find it difficult to get reimbursement if you are insured on separate travel insurance policies.

The last thing you want if you have been forced to cancel a holiday, due the illness of travelling companion, is to find that you will be unable to make a claim to recoup the cost.

So, it can definitely pay to stick together and buy one travel insurance policy to cover the whole family, or group of friends.  If everyone is insured on the same travel insurance policy, whether they have a medical condition or not, they should all be able to make a claim, in the event that it was deemed medically necessary to cancel or cut short the holiday following another member of the party becoming ill due to a pre-existing medical condition.

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