Travel Insurance Over 80 Years Old
Finding travel insurance over 80 years old can often be a hard slog. Whilst you want to be able to have that last trip of a lifetime, seeing all of things you wanted to see and having no expense spared, I doubt you thought one of the biggest costs would be for the elderly travel insurance protection. However, when you reach an age of over 80 years old it becomes more and more expensive to go on a proper holiday. Hopefully though, this article will help you to find the best deal that suits your needs and more importantly, your wallet.
Firstly, it is important to remember before starting this that to most travel insurance companies you are a massively high risk. Sadly, this is an important thing to remember when looking for travel insurance over 80 years old as it will be a recurrent theme. The best way to deal with this is to take it on the chin and hope that they have the same difficulty when the grow to over 80 years old.
The reason that finding travel insurance over 80 years old is so difficult and so expensive is due to the increased risk of hospitalisation and need for medical treatment. Lets be honest, when you reach an age of over 80 years old, things are not working the way they used to and so they need that little bit more help to keep working properly. Whilst in the UK, the NHS will cover most of your medical costs due to your contribution of national insurance payments. However, once you leave UK soil you are on your own and medical costs can be extortionate in other countries. The particular country you go to can have a dramatic effect on your premiums. Whilst it is taken for granted that if decide to travel to a warzone you will have an increased premium, although I doubt anyone over 80 years old would want to go there, if you go to a country with higher health costs your travel insurance premiums can increase again. The worst countries for this are the US and Canada so beware of this when looking for travel insurance over 80 years old.
Before you begin it is important to consider what type of policy you actually want. Do you want an annual policy or a single trip one? If you are planning to travel a lot in the next year then finding an annual form of travel insurance over 80 years old would be your best bet. Doing this would cost less than a single policy overall and means you do not have to fuss about finding another over 80 years old insurance policy. If, however, you are travelling just the once this year, why not stick to a single trip policy. This will save you a lot of money as you will only need to be covered once.
Once you have decided on the type of policy you require, it comes to a very important part of the search for travel insurance over 80 years old. When looking for travel insurance over 80 years old it is important to mention every tiny detail of any medical problem you may have. If you fall ill due to a known condition whilst on holiday that you did not tell your insurer about then they may chose not to pay out. This would cost you an absolute fortune, making the original extra premium you would have had to pay look like pennies. So for one of your last holidays, make sure it is not ruined by something like this.
The Best Deal
Once you have all of these details head to a price comparison website. These sites allow people who are searching for travel insurance to compare with numerous providers. It is especially useful for people searching for travel insurance over 80 years old as it allows you to compare numerous different aspects of the policy whilst only putting in your details once. This means that when looking for cover for people over 80 years old can be a lot more simple that you originally expected.
Once you feel you have the best deal that covers all of your ailments and suits your pocket, why not try and find a better one? If you have the time why not try contacting some providers directly. They can often offer you better deals due to the fact they can barter with your and tailor your policy to you. There are also specialised sites that work on covering older people exclusively that may not appear on the price comparison websites.
Anyways, good luck with your search for travel insurance over 80 years old and if you take the advice above you cant go far wrong.
"Being able to compare a variety of policies at once made finding the most affordable one very easy. Thank you for the help." Alfie & Sophie A, Glasgow UK