There have been some worrying news stories in recent times about older people finding it extremely expensive, or even impossible, to get the cover they need. Many older people can be put off travelling abroad because they feel that it’s too hard to get travel insurance, especially if they have pre-existing medical conditions… but that doesn’t have to be the case.
It’s true that many mainstream insurers don’t want to offer travel cover to older people or those who have medical conditions, but there are specialist companies out there who have made it their business to cater to this need.
AAA members Goodtogoinsurance.com is one such company. They launched in 2010, with the specific aim of providing travel insurance to those who can find it difficult to find cover elsewhere, either due to their age or medical conditions. Their policies have no upper age limit and can cover all types of pre-existing medical conditions, up to a very high level of severity. Here are their top tips for getting the best deals available – and ensuring you really are covered for the contingencies that can crop up when travelling.
What to consider when buying travel insurance
- Destination. If you are concerned about the cost of travel insurance, consider where you are travelling to, some destinations are much more expensive for insurance cover than others. For example, the USA, Canada and the Caribbean are generally the most expensive destinations.
- Buy travel insurance as soon as you have booked your holiday. That way you have cancellation cover in place straight away to protect the money you have paid for your trip.
- Get your trip dates right. It’s important to get the dates right and ensure that your insurance covers you from the day you leave to the day you arrive back home again. If the policy doesn’t cover your entire trip, it could be invalid.
- Declare any medical conditions honestly and accurately to ensure that you have cover in place if you need emergency medical treatment abroad or need to cancel due to illness.
If you are unsure whether you can get cover, you can get a free quote on www.goodtogoinsurance.com or call 0330 024 9949.