Over 65? Why is it more difficult to get travel insurance cover?

By , February 24, 2012 11:50 am
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Have you found that travel insurance is suddenly more difficult to find, or more expensive because you have reached the age of 65? We talk about why travel insurance over 65 is more expensive.

Travel insurance over 65 is harder to find that travel insurance for younger travellers. For instance, some people find that the travel insurance policy that they’ve had with their bank account for many years suddenly doesn’t cover them any more once they reach 65 or 70.

Whether this is right or wrong, it is a fact of life at the moment that travel insurance for people over 65 is generally more expensive or harder to find than travel insurance for those under 65, with many insurers refusing to provide travel insurance cover for those over 65 altogether.

The reason for this is risk. Statistically, if you are over 65 you are more likely to need to claim on your travel insurance policy than if you are under 65. You are statistically more likely to have pre-existing medical conditions and more likely to need emergency medical treatment whilst you are away.

Many standard insurers keep their premiums low, by refusing to provide travel insurance cover to travellers who are over 65, or by inflating their prices once you reach 65.
We think this is unfair, because although travel insurance prices should reflect the level of risk being covered; it is not fair to refuse travel insurance cover to people simply because they are over 65, or raise travel insurance prices excessively overnight simply because you have turned 65.

At over sixty five travel insurance we believe that everyone should be able to travel with the peace of mind that they have appropriate travel insurance in place, which is why we have partnered with Goodtogoinsurance.com to provide travel insurance over 65.

Goodtogoinsurance.com provides travel insurance with no age limits, so age is never a barrier to getting travel insurance for your trip.

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