People like travelling even if they grow older, as it’s a great way to find new impressions and discover places you haven’t seen before. And being a senior citizen shouldn’t be a problem for that, even though old people may experience some issues when they have to take out a travel insurance policy.
Many travel insurers have bias towards seniors, as age is used as one of the most significant criteria to determine the price. It is considered that insuring such individuals has more risks, because elderly people usually cannot show great health condition. That’s why those who are over seventy are almost always rejected by any travel insurance companies, not to mention those who are over eighty.
Even though it may seem difficult, buying this kind of policy isn’t impossible. You only need to consider a few things to get the decent one without being beset by unnecessary worries. First of all, you should think of the needed coverage and inclusion of particular pre-existing medical conditions. Some insurers have quite an extensive list of conditions included to standard coverage, for example, high cholesterol and blood pressure, or asthma. Therefore, you won’t need to spend more on additional medical screening services, if your condition is on the list.
Your travel conditions and intended destination also have an apparent effect upon pricing. So, it’s recommended to specify a number of travellers, possible activities, and the length of your trip. You should also check if any vaccinations are required, besides any risks and dangers typical for that region.
Taking out a policy online is more affordable in comparison to usual methods, as you can check more quotes of different insurance companies. The first quote isn’t the cheapest, you need to check at least three identical proposals of different providers to see nuances, like extended options you can get.
Unfortunately, elderly people usually aren’t used to search information in the internet, even if it’s an extremely efficient way not only to buy a policy, but to arrange almost all necessary things for your trip, like booking flights, hotels and restaurants, choosing particular sightseeing tours that may interest you and so on. Also, you should take into consideration specialized insurance companies, as they usually offer better age-friendly policies.