Over 60 and looking to travel? Compare travel insurance quotes and see if you could save.
Travel insurance can be confusing - do you want annual cover? A single-trip policy? What about any pre-existing medical conditions? Are they covered?
Never fear – we'll give you a helping hand when it comes to understanding your over 60s travel insurance.
The Office for National Statistics (ONS) discovered that UK residents spent over £43 billion on visits abroad in 2016.†
Little wonder - who doesn’t want to be able to spend their savings on excursions, sight-seeing, and making memories in far-off lands?
What you really don’t want to overspend on is your travel insurance, or buy the wrong cover and be left in the lurch, so it’s important to choose the right over 60s cover.
If you’re going on only one jolly holiday this year, single-trip cover might be the one for you.
If you’re planning multiple trips throughout the year, even if many of those adventures are on home turf in the UK, you may find that annual cover is more cost effective than multiple single trip policies.
You’ll need to declare any pre-existing medical conditions, such as cancer, diabetes and heart conditions, when you’re getting a quote.
And your mental health is equally as important when declaring pre-existing conditions.
Questions relating to your health may seem invasive, but they are necessary to safety overseas.
Your insurer will offer you a policy based on the facts you give, and if any of that information is incorrect, you may not be able to make a claim and your policy could be invalid.
This is particularly worrisome if you're in a country where healthcare is particularly expensive, such as the USA.
Remember that serious conditions may be altogether excluded from your policy, but specialist policies are available for certain health concerns such as dementia.
When comparing over 60s travel insurance quotes, check policy terms carefully to ensure you’re covered for what you need.
If you’re lucky enough to be a retiree, one of the best things about the extra free time is being able to pop off on holiday whenever you feel like it, for as long as you want.
If you’re planning on an especially long getaway, chances are you might need a long stay policy.
What classes as ‘long stay’ varies from insurer to insurer, so be sure to provide accurate information when inputting the duration of your holiday.
Your destination is also important for insurers to know, so they can give you an accurate quote.
If you’re planning on travelling in Europe, take a look at our guide on the European Health Insurance Card (EHIC).
Your EHIC only covers you for certain health treatments, so having travel insurance too could make you feel more at ease.
If your trips take you to far-off places, such as the USA or the Caribbean, then you’ll need worldwide travel insurance.
Most policies will cover your holidays in your home country, depending on how long your trip is.
We never expect something to go wrong when we’re taking a trip in the UK, but it’s better to be covered just in case.
Double check which countries are included in your insurance quote before you commit, as some countries are included in packages you wouldn’t expect them to be in.
Repatriation refers to returning a person back to their country of origin/citizenship.
Repatriation is usually included in standard travel insurance policies and can be used if, for example, someone is seriously injured on holiday and needs to be brought back to their own country because they're unable to get there themselves.
We hope you’ll never need to use this, but should the worst happen, you’ll benefit from having the peace of mind that you’re covered for it, so it’s worth checking out.
There are specialist policies for certain medical conditions, cruise insurance, walking holidays and extreme sports – if you're feeling daring.
After all, age is just a number!
When you get older, some insurance companies believe there's a higher risk that you'll make a claim, whether you have any medical conditions or not.
This means that policy prices tend to be higher for over 60s.
Be sure to read all the terms and conditions carefully before you commit to your policy, just to be sure you're covered for everything you might need.
For more tips on saving money on your travel insurance, check out our guide.