5 travel insurance tips for seniors

photo by CC user rudolf_langer on pixabay

Today’s savvy seniors are fit to travel and raring to go! With loads of energy and a more laid-back schedule, there’s never been a better time to see the world. However, if you’re over 60, you may find it tricky to find a purse-friendly policy.

Your golden years are a prime time to jet off and see the world but it’s crucial to take out seniors travel insurance in case something does go wrong.

Comparetravelinsurance.com.au bring you their top travel insurance tips for the silver-haired adventurer:

Pre-existing medical conditions are a nuisance in more ways than one

As a general rule know that travel insurance policies do not cover medical conditions that exist prior to purchasing your policy. However, pre-existing conditions can be a bit of a grey area and a little tricky to get your head around.

To help clarify, certain conditions such as osteoporosis, cataracts, mild diabetes, high blood pressure and other minor ailments don’t cause too much trouble, and are therefore easier to get cover for. However, mental illness, cancer or lung disease, for example, may be trickier to cover.

All conditions are assessed on a case by case basis so you might be required to complete a medical assessment, and pay an additional premium before cover is granted.

Take your grandchildren with you for free!

A trip away with the grandkids can be the perfect opportunity to spend some much needed quality time together. Did you know that children and grandchildren are included for free under most Australian travel insurance policies? Take note that minors are usually defined to be under of 21 years of age, and are not yet in full time employment. Less expenses and more family time? Now that’s good value!

Age restrictions apply

With your adventures just getting started, you may be surprised to find that a few companies opt not to cover those over the age of 70. Thankfully, more and more travel insurance plans are becoming available for mature aged trippers. Insurers such as 1Cover, Budget Direct, Insure&Go and Southern Cross will insure travellers of all ages!

Whilst age is just a number it’s important to know that restrictions do apply in regard to family emergencies claims. It’s assumed by many that travel insurance covers the cost of getting you home in the event of an emergency (for instance, if a relative back home falls ill or passes away). However upper age limits (around 85 years) and pre-existing medical conditions exclusions will apply.

Pick the right destination when going on a cruise

Heading out into the open water? Lucky you! The right policy will ensure your trip is all smooth sailing. Top tip, even if your cruise remains in Australian waters, you need to pick a ‘Pacific’ policy as your Medicare or private health care benefits are not valid once you’re on-board.

Travel often? Save with a multi-trip policy!

Are you a grey nomad globetrotter? If you find yourself going on holiday more than twice a year you can save by purchasing annual multi-trip cover. Annual policies cover you for as many trips as you can take in a year (internationally and domestically) and you don’t have to tell your insurer each time you travel, saving you time and money. Senior age limits will apply.

Ready to see the world? What are you waiting for?

You can beat the price hike when it comes to travel insurance. Little tricks, like buying your travel insurance directly through a comparison website can save you a bundle! These sites make your job so much easier by comparing multiple policies from dozens of reputable companies at once. It’s a simple, fast and effective way to see who offers the most cover at the best price. You just need to know the destination, dates of travel, who is going and the ages of the travellers and you’ll be comparing policies in no time.

Always be sure to check your policy documentation, known as a Product Disclosure Statement (PDS) before you commit to buy.

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