Over-65s travel insurance — what you need to know
How to get the best travel insurance cover if you're aged over 65.
Many travel insurance companies use the fact their customers are over 65 as a way to charge them inflated prices, but there are lots of ways you can be savvy and still get a good deal.
Apart from the age difference, the travel cover for over-65s is the same as the policies for younger people — it is taken out to protect travellers in the case of unforeseen mishaps, and ensure they can enjoy their holiday without worrying.
Here’s what you need to know.
Compare travel insurance deals now
1 Insurance covers unpredictable events
You might think that you don’t need travel insurance as you’re unlikely to need to make a claim.
But you should remember that the point of insurance is to protect you against things you can’t predict, for instance flight disruption or unexpected medical issues.
You should always be on the safe side and find yourself a policy, as it will save you big money if anything does go wrong.
2 The older you are, the more you’ll pay
As you age, finding a good travel insurance deal gets more and more difficult.
Those who are aged 65 - 80 will find it much easier than travellers who are over the age of 80, especially when looking for annual policies.
But it’s worth noting that lots of insurance companies don’t have upper age limits, and so you might still be able to find a company that gives you the cover you need.
Apart from the cost, your policy will be similar to a younger person. But you should watch out for the claims limit. The claims limit for permanent disablement is likely to be lower as you get older.
3 Buy as soon as you’ve booked your holiday
The chances of someone over 65 having to cancel their trip are higher than someone who is younger.
So, it’s more important than ever if you’re in this age category to make sure that you get cover as soon as you’ve booked your trip.
This will also make sure you get the best deal possible and have time to look at different options.
4 Don’t assume all travel insurance policies are the same
You should always look at different options and use a price comparison site like A Spokesman Said to make sure you’re really getting the right deal for your trip.
It’s easy to assume all policies are the same and just go for the cheapest and quickest option — but it’s worth taking the time to do some research and make sure you’re going for the right one.
You should also consider if you have expensive personal belongings that you’ll be taking with you, or if you’re taking part in any sports or other actives on your trip.
These are all important factors that might change the cover you need.
Using these for key tips can make sure that you don’t lose out on your hard-earned cash just because you’re over 65.
There are still great deals to be had, as long as you use comparison tools and check you’re getting the right deal.