Tzarism, Travel in Russia

You’ve chosen where you would like to go for your holiday and you’re already imagining yourself lying on a a hot, sunny beach. But are you a senior traveler and have you arranged your senior travel insurance?

If you are over 64 and looking for travel insurance cover you could run into some problems. Its not unusual for insurance companies to suddenly become reluctant to offer travel insurance to senior travelers for a number of age related reasons. They don’t want to take unnecessary risks. Ideally, they will sell their travel insurance policies and no one will actually make a claim on them. But senior travelers mean additional risks for insurers due to possibly failing health, pre-existing medical conditions and the effects of aging.

So what can you do as a senior traveler? it is most important that you don’t leave it too late. Make a start in looking around for your travel insurance policy as soon as you can. The less time that you have then the harder it becomes to shop around and find the exact policy that you need.

Always start by contacting your existing insurance provider. If you already have some life insurance or health insurance it is worthwhile contacting your existing insurance provider and enquiring as to whether they can provide senior travel insurance. And if you have a pre-existing medical condition find out if they provide pre-existing medical condition travel insurance.

It is always prudent to shop around. Take the figures that your insurance provider gives you and then shop around. There are some specialist insurance providers who may well be able to beat the prices that you have been offered.

You may like to consider multi-trip travel insurance, once you have found a policy and provider that you are happy with. Save yourself the time and trouble it takes to find an insurance policy by taking out a multi-trip policy that will cover your next holiday as well.

Whatever you do, always be honest and open with your prospective travel insurance provider. Never lie about your age and always disclose full details of your health and medical condition when applying for a policy. And makre sure you have a great holiday.