5 things to remember when buying travel insurance over 65

By , June 29, 2012 11:16 am
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Getting the right travel insurance for your holiday is very important otherwise you could find yourself facing large bills if things go wrong abroad.

Here are our top 5 things to remember when buying travel insurance over 65.

1. Declare any pre-existing medical conditions

When you buy travel insurance over 65 it’s important to declare any pre-existing medical conditions that you have, this will ensure that they are properly covered by your travel insurance.

If you don’t declare a medical condition when you buy travel insurance over 65 you could find that you are not covered for emergency medical treatment when you are away.

Any medical condition that you have received treatment for, or seen a GP or hospital doctor about in the last 2 years needs to be declared, including conditions that are under control such as high blood pressure or conditions from which you have recovered but have still attended a follow-up appointment for in the last 2 years, such as cancer.

2. Get your holiday dates right when buying travel insurance over 65

It’s very important to get your holiday dates right when you are buying travel insurance over 65, especially if you have a night flight on your return journey.

Your travel insurance could be void if it doesn’t cover the entire time that you are outside of the UK, so if your flight departs late at night but doesn’t arrive back into the UK until the early hours of the following morning, make sure that your travel insurance covers you until the morning arrive home.

3. Get the right travel insurance cover your holiday destinations

This may sound simple but it is easy to make a mistake, particularly if you are travelling to more than one country, for example on a cruise, or if you are flying long-haul and you have a stopover on route.

The reason you need to be careful is that travel insurance cover for different countries can vary in price dramatically due to the difference in cost of a British national obtaining medical treatment in that country. If you are only insured for travelling to France, but you need medical treatment in Spain you would find that you are not covered.

You need to make sure that your travel insurance over 65 will cover you for medical treatment in every country you are visiting. Some worldwide travel insurance policies exclude the USA, Canada and the Caribbean; this keeps the cost down if you are not going to any of these countries. If you are flying to Australia via Singapore then this policy would be fine, but if you are flying to Australia via the USA, you would need to buy a worldwide travel insurance over 65 policy which includes cover the USA, Canada and the Caribbean. Even if you are only there for a few days or a few hours, it’s important to have the right travel insurance cover in place.

4. Think about the start of annual travel insurance over 65

To get the most benefit from the cancellation cover included in your annual travel insurance over 65 you should start the cover immediately, especially if you already have a holiday booked. If you don’t start the cover on an annual travel insurance policy until the start date of your next holiday you won’t have any cover for cancellation.

5. Check the details of your travel insurance carefully

Last, but not least, once you have bought your travel insurance over 65, spend a bit of time checking that all the details are correct – including your names, travel dates and details of any medical conditions that you have declared.

It is important that all details on your travel insurance policy are correct – if they aren’t contact your insurer immediately otherwise your travel insurance over 65 could be void.

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