Category: Over 65 Travel Ideas

Inspired by the Olympics? Activity holidays & travel insurance over 65

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By , August 10, 2012 11:03 am
Campiña cycling

Travel insurance over 65 for cycling and other activities

Have you been inspired by Team GB’s success at the Olympics to become more active?

One great way to be more active is to choose an activity holiday such as walking, cycling or sailing.

If getting more active on holiday does appeal to you, age shouldn’t be a barrier, but it’s very important to get the right travel insurance cover for an activity holiday before you travel and take part in any sport.

You should never assume that a particular sport or activity is covered by your travel insurance without checking, because if you have an accident whilst doing something that isn’t covered by your travel insurance you could find yourself facing large medical bills for hospital treatment abroad.

It’s much better to spend a few extra minutes checking the details of your travel insurance and upgrading your policy if necessary to ensure that you are properly covered.
Getting the right travel insurance for sports or activities is important whatever your age, but it can be more difficult if you are over 65.

We work with goodtogoinsurance.com who specialise in travel insurance over 65. Travel insurance over 65 from goodtogoinsurance.com covers a number of sports and activities as standard including scuba diving to 18 metres, cycling and sailing (within 12 miles of the coast, in European waters).

You also have the option, up to age 75, to extend your travel insurance policy to cover more adventurous sports and adventurous activities, such as cycle touring, sea canoeing and even sky diving!

With our Olympic team exceeding all our expectations and doing us proud this summer it’s not difficult to see why many of us are being inspired to become more active on holiday.

5 things to remember when buying travel insurance over 65

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By , June 29, 2012 11:16 am

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.

Over 65’s most prolific travellers, highlighting importance of travel insurance over 65

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By , June 21, 2012 3:38 pm

travel insurance over 65

Travel insurance over 65 becomes more important as older generation take more holidays

New research has shown that older people account for nearly half of all holiday spending.

The study of British holidaymakers, which was conducted by Travelsphere, found that 28% of those over 65 take two or more foreign holidays a year, compared to just 19% of all British holidaymakers.

The survey showed that long haul travel was particularly popular amongst older travellers, possibly because they now have more time on their hands and are able to enjoy longer holidays further afield.

As our population ages the proportion of holidays taken by over 65 year olds looks set to grow even further, making the availability of fair priced travel insurance for over 65s even more important.

Many senior travellers find that when they hit the age of 65 the travel insurance provider they’ve used for many years, or the travel insurance they get free with their bank account suddenly won’t provide cover anymore, this is a particular problem with annual travel insurance over 65.

Don’t worry, travel insurance over 65 doesn’t have to be difficult to find or prohibitively expensive, as the demand grows travel insurance providers have been responding with better travel insurance products for those who are over 65.

Oversixtyfivetravelinsurance.com has partnered with Goodtogoinsurance.com who specialise in providing travel insurance for travellers who are over 65. In fact they don’t have any age limits on single trip or annual travel insurance policies. So whatever your age, it won’t be a barrier to you getting travel insurance so that you continue to explore the world as you get older.

Get a quote for travel insurance over 65

New safety measures for cruise holidays and the importance of cruise insurance

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By , May 4, 2012 9:45 am

Good news for cruise ship passengers, many of whom are over 65. Cruise Lines International and the European Cruise Council have announced that new safety measure will be introduced on to cruise ships with immediate effect. Theses safety improvements on-board cruise ships are part of an on-going operational safety review following the sinking of the Costa Concordia earlier this year.

The new cruise safety measures will apply to cruise ships across the world and include the following:

  • More life jackets. Cruise ships will now be required to carry more that one life jacket per traveller
  • Restricted access to the bridge. Passengers will not be allowed onto the bridge during complicated manoeuvres, although bridge tours will still be allowed at other times.
  • More careful planning of a ship’s passage. Every ship’s passage plan will now need to be drafted by a designated officer, approved by a master and briefed to every member of the bridge in advance.

Of course any improvement in cruise ship safety is always good news for all passengers, particularly if you are over 65 and may not be able to move around as quickly as you use to, but it’s not the only thing you need to consider before heading off on a cruise holiday, getting the right travel insurance to cover your cruise is also very important.

The Foreign Office advise you to have travel insurance in place every time you travel abroad. The most important reason for this is to cover the cost of any unexpected medical treatment. Although most cruise ships will have medical centres on board, making emergency medical treatment readily available, you need to have travel insurance cover in place to help cover the cost.  Travel insurance is particularly important if you fall seriously ill whilst the ship is at sea. If it is deemed medically necessary the ship’s doctor or captain will change course, or arrange an emergency disembarkation at sea to get you to a hospital on shore. This does not come cheap, so having cruise travel insurance in place before you travel is vital.

Cruise holidays are becoming increasingly popular with older holiday makers, as such cruise insurance over 65 is also becoming more important. A key thing to remember about travel insurance over 65 is that not all travel insurance policies will provide cover for cruise holidays as standard, some cheaper travel insurance policies will exclude cruise holidays altogether and some will require an additional premium to cover cruises.

Check the terms and conditions of your travel insurance over 65 policy to ensure that it provides cover for cruise holidays before you travel.

More information about cruise insurance over 65 >>

Cruise insurance over 65: Find out why getting the right cover is vital

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By , April 19, 2012 3:15 pm

Despite recent accidents, cruise holidays are continuing to grow in popularity amongst UK holiday makers, particularly those over 65. If you are over 65 a cruise gives you the ability to explore a number of exiting destinations at a relaxing pace.

Cruise Ship Ruby Princess and Grand Turk by marhargen, on Flickr

Cruise insurance is vital on all cruise holidays

Make sure cruise holidays are covered by your travel insurance over 65

If you are going on a cruise holiday you need to make sure that your travel insurance provides cover for cruises. Some travel insurance policies provide cruise insurance as standard, other do not so it’s important to check.

In many cases travel insurance policies will exclude cruises from their standard cover, but offer cruise insurance as an optional extra.

Make sure you read the terms and conditions of your travel insurance to make sure that you have appropriate cover for your cruise holiday.

If you are going on a cruise, cruise travel insurance is vital for a number of reasons;

Cruise insurance: Medical and repatriation cover including airlifting from the ship

Firstly and most importantly you need cruise insurance to provide cover for emergency medical treatment and repatriation whilst you are on your cruise, particularly if you are over 65.  As with standard travel insurance, cruise insurance will need to provide cover for emergency medical and repatriation expenses if you fall ill or are injured on your cruise.  Cruise insurance will ensure that you have cover to be airlifted from the cruise ship to the nearest suitable hospital on land if necessary.

Cruise insurance: Make sure the cancellation cover is enough

Secondly, cruise holidays can be expensive, so you will want to make sure that your cruise insurance over 65 provides adequate cancellation cover for your cruise.

The cancellation section of a cruise insurance policy provides cover up to the amount stated in the policy in the event that you need to cancel your cruise holiday due to illness, redundancy, you are called for jury service or your home becomes uninhabitable.

If your cruise travel insurance only provides cancellation cover for up to £1000 per person, but your cruise cost £2000 per person you could find yourself out of pocket if you need to make a claim.

Compare the level of cancellation cover in the cruise insurance to the cost of your cruise holiday and make sure the cruise insurance policy that you choose provides enough cover.

The cancellation element of cruise insurance is particularly important if you book your cruise a long time in advance, you never know what is around the corner so it is worth taking the time to make sure that your cruise insurance provides the cover you need.

Cruise insurance over 65 with cover for medical conditions

If you are over 65 and have pre-existing medical conditions it is important that you declare these when you get a quote for cruise insurance. Unfortunately it is a fact of life that if you are over 65 you are more likely to have medical conditions, so it is important that you have cruise travel insurance cover for these.  Many minor medical conditions won’t increase your cruise insurance premium, but they need to be declared to your insurer otherwise you could find that you are not covered.

Cruise insurance from Goodtogoinsurance.com

Over sixty five travel insurance work with Goodtogoinsurance.com who include cruise insurance as standard on all their travel insurance policies. Goodtogoinsurance.com has no age limits, so over 65 cruise insurance is not a problem.  Wherever you choose to buy your cruise insurance from remember to check the cruise insurance cover carefully to make sure it is suitable for you and your holiday.

Get a quote for cruise insurance from goodtogoinsurance.com

Ski and Snowboard Checklist: Ski Insurance Over 65

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By , December 6, 2011 8:58 am

The first thing you should do once you have booked your ski or snowboarding holiday is to buy appropriate ski insurance for your trip. Ski insurance is vital to provide cover for emergency medical expenses if you have an accident on the slopes, which could easily add up to thousands of pounds.

Skiing Risoul, France (2005)

Ski insurance over 65

When you are over 65 you may have more difficulty getting ski insurance at a good price than you used to, but you still need to make sure you are covered. Over sixty five travel insurance has partnered with Goodtogoinsurance.com to provide ski insurance over 65.

Once you have booked your ski holiday and bought your ski insurance over 65, you can start preparing for the slopes, the Foreign and Commonwealth Office has produced a ski checklist to help you be better prepared for the slopes.

Before you go:

• Be physically prepared for skiing. This will help you get the most out of your ski trip and reduce your risk of injury. Good to practice sports include cycling and running. Also – don’t push yourself too far – there’s no shame in calling it a day early if you’re tired and enjoying the rest of the afternoon in the spa. Most ski injuries occur on the last run of the day when you’re tired.

• Get the right ski insurance. When buying ski insurance make sure it covers all activities you might participate in e.g. sleigh rides, bob sleigh, Heli Skiing, snowboarding etc and check the small print for any hidden clauses e.g. “only covered off piste with a guide”

• Stay sun safe. Perhaps not the obvious things to pack for a ski holiday but the sun is much stronger at altitude, and you get a double hit when it reflects off the snow so sunglasses and high factor sun cream are essential items to avoid risk of burn and protect your eyes.

When you’re there:

• Know your limits (being over 65, you should know your limits by now!). A night of après ski or a boozy lunch can affect you more quickly at high altitudes. Be aware of your limits to stay safe on and off the ski slopes. If walking home at night make sure you keep to the designated resort paths and wrap up warm.

• Keep hydrated. Exercise in high altitude can lead your body to tire and dehydrate faster than usual so you’ll need to drink between four to six litres of water a day.

• Stretch and warm up. Cold weather can cause tension in your muscles making them more prone to injury, and when you are over 65 you may need to pay more attention to this than you did when you were younger. Make sure you stretch well by doing a few warm up exercises before you hit the ski slopes.

• Choose the right piste for your level of skiing. It might be tempting to impress your friends with that black run but overstretching yourself may lead you down a slippery slope. Also be aware that the grading levels of ski slopes can be different; what may be a blue run in France may be a red run in Austria.

• Be sensible off piste. If you’re seeking fresh powder and unless you are trained, it is sensible to go with a group led by a professional guide. Pack the right equipment such as a probe pole and shovel.

• Be avalanche aware. Make sure you read or listen to the daily avalanche forecast to minimise your risk of being caught in one. The steeper the slope you ski on, the greater the avalanche risk.

Over sixty five travel insurance has partnered with Goodtogoinsurance.com to provide ski insurance over 65.

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Ski Insurance Over 65: FCO say don’t hit the slopes without it

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By , December 6, 2011 8:51 am

The Foreign and Commonwealth Office (FCO) has issued fresh advice to ski and snowboard enthusiasts, to emphasise the importance of ski insurance when going on a winter sports holiday.
Ski insurance is vital when you go skiing, no matter what you’re age. Being over 65 you may be more careful than you used to be, or you may not! Either way ski insurance over 65 is a must before you hit the slopes.

Ski at Les Contamines

Ski at Les Contamines

With fresh snow falling in the last couple of days, fears that Europe will be short of snow this season will hopefully be unfounded. This means that we Brits are ready and raring to hit the slopes.

The advice issued by the FCO yesterday quotes new research which shows that one in five travellers are still not taking out ski insurance when they go on a winter sports holiday. This is a big risk to take because the costs of an accident on the ski slopes can easily amount to thousands of pounds.

Every year there are numerous incidents where skiers are faced with huge medical bills following an accident on the slopes. This is often because people have not taken out ski insurance, or have not read the small print of their ski insurance policy.

The cost of an accident on the ski slopes can be significant – a fractured leg in the United States could land you with a medical bill of up to £40,000. A knee injury in Austria could set you back £8,000. Not getting ski insurance cover or not training beforehand is just not worth the risk.

Lynda St Cooke from the Foreign Office, said:
“We strongly advise anyone hitting the slopes this winter to take out comprehensive travel insurance and make sure you have an up to date EHIC card. Don’t forget to check the small print – most insurance policies will not cover you if you’re under the influence of alcohol. If you’re unlucky enough to have an accident and you’re not covered, you could find yourself thousands of pounds out of pocket.”

When you are over 65 you may have more difficulty getting ski insurance at a good price than you used to, but you still need to make sure you are covered. Oversixtyfivetravelinsurance.com has partnered with Goodtogoinsurance.com to provide ski insurance over 65.

The FCO have provided these safety tips to help you stay safe on the slopes this winter.
Read the FCO’s Ski Checklist >>

Ski Insurance Over 65 – Get a Quote
Over sixty five travel insurance has partnered with Goodtogoinsurance.com to provide ski insurance over 65.

ski insurance over 65 - get a quote

Travel tips: Will that souvenir result in a prison sentence?

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By , November 9, 2011 9:45 am

Just because they sell it at the airport, doesn’t mean that you’re allowed to bring it home.

Our latest travel tip is prompted by a warning issued by the Foreign Office and Commonwealth Office (FCO) recently:  Although whale meat is freely available for sale in souvenir packs at Iceland’s Keflavik airport, you shouldn’t be tempted to bring some home.

The FCO said “Whale meat is available in Iceland, but tourists should be aware that its importation into the UK/EU is illegal under the Convention on International Trade in Endangered Species. Any importation of whale meat to the UK will result in seizure of goods, possibly a fine of up to £5000 and a custodial sentence”.

When you travel overseas, especially outside of the EU, you need to be careful when buying souvenirs and bringing your purchases home. Do not assume that you can bring anything you like back into the country.

As illustrated above it is illegal to bring back souvenirs made from endangered species, which are not just limited to animal products. Some plants, such as orchids are also on the endangered species list and therefore it is illegal to bring them back into the UK.

There may be amazing orchids on sale in Bangkok airport, but if you buy one it is likely to be confiscated when you arrive back home and you could get fined.  Don’t just assume that because they are selling it to departing tourists at the airport that it is legal for you to bring it home.

Other than things on the endangered species list other items you need to be careful of are alcohol and tabacco, dairy or meat products and plant products.

Generally speaking, if items are for your own personal use, you can bring back anything you like from within the EU, it is when you have travelled to countries outside of the EU that you need to be more aware of the rules.

You are prohibited from bringing in any meat or dairy products from most countries outside the EU, and the majority of fruits, vegetables, seeds and bulbs are subject to weight or quantity restrictions. Some plants and plant products (including potatoes) and loose soil may not be brought into the UK unless you have obtained the relevant licence.

In short, if you’ve been to a country outside of the EU it’s best to steer clear of any food or plant products and limit yourself to one litre of spirits and 200 cigarettes.

Check the Home Office or Directgov websites for a detailed guide on which food and plants you can and can’t bring back to the UK.

Over 65? Its time to get out and explore the world

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By , October 31, 2011 10:50 am

Some ‘younger’ people may think that if you’re over 65 you should be happy to sit at home with your slippers on and leave the travelling to them.  But I bet that couldn’t be further from the truth. You’ve got more time on your hands, hopefully you’ve got the money, so it’s time to get out and explore the world.

But, how do you decide where to go? You may have been dreaming of a favourite destination for the last 30 years and are now pleased you’ve got the time to finally go there. On the other hand, if you haven’t dreamt of anywhere in particular, the world is your oyster and now’s the time to start researching.

A good place to start is online, most countries or regions have a visitors website to promote the delights they have to offer, then once you’ve got a destination in mind you can start looking for accommodation or flights, or a tour operator who can do it all for you.

If you do decide to book elements of your holiday separately, direct with different suppliers, your holiday will not be ATOL protected and you might want to consider adding Scheduled Airline Failure (Insolvency) Cover to your travel insurance over 65 policy.

Magazine style travel sites can be a good place to get inspiration. Savista is a quality online lifestyle magazine for the over 50s, which aims to inform, entertain and advise on all aspects of life, they have some great ideas for holidays including the Cruising the Norwegian Fjords a trip around Bordeaux.

Wherever you head off on holiday, travel insurance over 65 should be one of the first things on your ‘to do’ list once you’ve got your holiday booked. Remember to declare any pre-existing medical conditions to your travel insurer when you buy your policy

Travel tips: Visiting Friends and Family Abroad

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By , October 17, 2011 1:31 pm

Whatever age you retire, 55, 65 or older, the change in lifestyle should give you more time to spend with family and friends, and if you’re lucky, that might involve a trip abroad.

Although visiting friends and family abroad can be like going to a second home, you should still treat your trip abroad like any other – including buying travel insurance over 65.

If you used to live in the country you are visiting, or if you have been there several times, you might think that you know it all and not prepare for your trip as thoroughly as you would if you were going to a country for the first time, but there are still things you should remember.

If have dual nationality, the British government will only be able to help you in certain situations, and it could even affect your travel insurance.
The Foreign and Commonwealth Office has provided the following tips to keep in mind when you’re visiting friends and family abroad.

• Buy travel insurance and find out if your cover is affected if you are a dual national. Your family or friends can offer support if you become ill or have an accident, but they won’t want to foot the bill. Make sure you have appropriate travel insurance over 65 in place.
• If you decide you want to extend your stay, check the maximum duration trip that your travel insurance will cover you for. You may be able to extend your travel insurance policy, but there is usually a maximum number of days that a policy will provide cover for. If your trip extends beyond this you will not be covered.
• Check that your passport is valid for the entire duration of your trip, particularly if you stay will be a long one. In some countries your passport needs to be valid for six months beyond your return date.
• Take a copy of your passport and travel documents with you.
• If you have dual nationality, there might be benefits to travelling on one of your passports, but not the other.
• Visit your doctor to ask about vaccinations. If you’ve been visiting a country for years, it might be that some of your vaccinations need to be renewed
• If you’re visiting a country that is prone to malaria, take antimalarials. If you’ve lived there before, it doesn’t make you immune to the disease
• Visit the FCO’s Travel Advice by Country page – the situation in the country may have changed since the last time you were there.
• When you visit friends and family, you might want to take presents or bring souvenirs home with you. Find out what you are allowed to take with you and what you can bring back to the UK. Remember, meat and dairy products cannot be brought back into the UK.
• If you need a visa for the country you are travelling to, don’t be tempted to overstay it as you could be given a hefty fine and prevented from returning.

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