So you’re over 55, the kids have left the nest and you’ve finally converted their rooms to house the indoor Jacuzzi you’ve always dreamed of. Work was over long ago and you have what seems like hours in the day to do as you please. Is it time for a holiday? A very long one we hear you say! Let the adventure begin.
Before you book your tickets to your favourite destination, be sure to look into the right travel insurance for you and your age.
It’s a good idea to purchase your travel insurance as soon as you book your holiday. Same day? Even better. The reason being, is no one can predict what’s around the corner. Every reason to travel abroad, explore new places, seize the day and enjoy life as you please. But by purchasing seniors travel insurance the same day you book your holiday will ensure you’re covered for any emergency should it arise especially if you take out the right policy. Rest assured, you only have to pay from the start of your holiday to your return date, not from the moment you purchase your insurance.
Age doesn’t affect all travel insurance, so shop around for the deal that best suits you. However depending on your age, some travel insurers will only offer seniors travel insurance, so check what you qualify for before purchasing a policy.
Whether you choose regular or seniors travel insurance, make sure it will cover medical emergencies should you require it, especially if you have an existing condition. Also, be prepared to pay additional fees or premiums according to your age. But age is just a number, right?
You’ll be pleased to know that just about all seniors travel insurance cover the fundamentals like a fixed amount of medical and public liability. But the main difference between regular travel insurance and seniors travel insurance is that seniors policies are usually split into three covers:
Basic the simplest of all three and offers a standard insurance cover for seniors. Basic travel insurance usually includes medical cover and some luggage cover. Some basic policies will include unlimited medical cover and others will only insure up to a set amount.
Standard considered the intermediate level in seniors travel insurance. It’s mainly different to the Basic policy as it covers you for higher limits on medical, baggage and usually includes trip cancellation cover.
Comprehensive by far the greatest travel insurance for seniors. It covers you for the maximum available pre-existing medical conditions travel insurance has to offer seniors - nearly 40 pre-existing different conditions. And not only are you covered to travel to a wide number of destinations, but comprehensive cover will also include additional benefits like dental, liability insurance, car excess cover and trip cancellation insurance.
Multi trip travel insurance for seniors
If you intend on taking multiple trips over the course of a year, then your best solution is to purchase a multi trip travel insurance policy for seniors. Most multi trip policies have a 3-month cap of consecutive travelling.
If this sounds like you, then you’re better off purchasing a multi travel insurance policy, because it’s much less costly than taking out separate insurance policies for every destination. That’s a whole year! Imagine the possibilities. As long as you don’t stay abroad longer than three months, you can come and go as you please saving time and money on your seniors travel insurance as well.
To help seniors find the best value insurance for their needs, Mozo’s experts review the travel insurance market each year for our Mozo Experts Choice Awards. Check out which providers have been awarded Experts Choice honours for the best value travel insurance for seniors.
You want all the freedom you can get your hands on when travelling, so it’s good to know that most seniors travel insurance policies cover the essentials like: basic medical, personal liability, luggage and personal belongings, car rental, cancellation of your trip and possible delays. But there may be some things you want just a little more surety with, right?
The number one thing you need to consider when taking out a seniors travel insurance policy is honesty. Transparency with your insurer of any pre-existing medical condition is key to ensuring you’re getting the right cover.
For travel insurance companies that do specialise in seniors travel insurance, nearly all will require that you have not been admitted to hospital for that condition for at least 24 months. After all, the last thing you want to do is waste money paying for a policy you’re not entitled to. So check in with your doctor or specialist about a medical declaration before you travel for peace of mind.
Cruises and city tours
Cruises and accompanied city tours are the most popular amongst your age group. They’re safe, fun, well organised and the tour guides are super friendly. It’s always nice to have someone who can highlight the best areas of the cities and villages you visit. Think of all the wonderful winding arteries to nowhere, fabulous local restaurants and boutiques you will explore.
When it comes to island hopping, nothing beats a great cruiser, rows of recliners on deck, swimming pool options, fun on-deck activities, wind in your hair with cocktail in hand. Did we mention dancing at night? You will have the time of your life in such a safe, contained environment. But have you secured the right travel insurance?
It’s relaxing to know that most seniors travel insurance cover both city tours and cruises, so if medical assistance is needed, you will be covered. Transport to the nearest hospital from your city tour or cruise is usually covered also including alternate travel should you require it, lost of luggage, income or permanent disability.
Sport, sport and golf
No matter which sport tickles your fancy, a super feature in nearly all seniors travel insurance is the coverage of golf and other sporting equipment. Our hands can fill up quickly when traveling abroad, so good to know your policy will cover full replacement or hire for theft, accidental loss, damage to your equipment or theft in most cases. FORE!
Not sure where Milly and Molly will get the best care and attention? Is your neighbour just too busy to mind Felix while you’re away?
If you’re thinking about housing your pets in either a boarding kennel or cattery, you’ll be pleased to know that should you incur any delays on your return home, most seniors travel insurance will cover the costs of further accommodation for your furry friends. Even if Milly, Molly or Felix need to visit your trusty vet. Sounds like your furry buddies will be in really good hands.
Domestic services cover
Have you always dreamed of having a domestic angel in the home? If you’re injured while traveling abroad and have the right seniors travel insurance, with some policies you will be covered for domestic chores for a period of time. That’s right, all your prayers answered! Who wants to clean dishes after a holiday anyway?
At Mozo, we know how crucial it is for you to read the fine print which is why we can’t stress this enough. Get to know your exclusions and inclusions before purchasing your overseas travel insurance. Knowing exactly what you can claim should something go wrong means you can be prepared for any given situation.
Destination is everything Your holiday destination should define the type of travel insurance you purchase. After all, the travel insurance for travelling to Italy would like be different to travelling to Egypt. So check which one is relevant to you, your destination and personal needs.
Excess fees You’ll be surprised at how many people don’t check their excess fees before purchasing their travel insurance policy. Each cover will vary in price, and may be indicative to what your excess fee will be. So if the travel insurance is fairly low in cost, the excess is likely to be high. Try going for a cover that’s a little more middle of the road.
Pre-existing conditions If you have a pre-existing condition, you need to inform your travel insurer. No matter how minor or complicated, remaining transparent about your medical condition will keep you more covered than if you were to not disclose this information. In other words, your policy may even become void if you don’t disclose your medical condition and run into a situation where you need your travel insurance to cover you for an unforeseen medical emergency whilst traveling overseas. Getting the right cover could save you thousands in the long run.
Report incidents ASAP If an incident occurs, it’s a good idea to make contact with your travel insurance company as soon as you’re able, not matter where you are in the world. An unfavourable situation can often leave us feeling a little rattled, confused and forgetful so talking to your overseas travel agent can not only be comforting but a good guidance to taking the next best steps while away.
Hiring unregistered vehicles Discovering a new country in a hire car, motorbike or scooter gives you the freedom of really enjoying the scenery and taking your time to absorb it all at your own pace. But if you’re injured during an accident or hurt someone else or even damage property and the vehicle you hire is unregistered, your policy won’t cover you. It’s up to you to double-check this before driving away. Also, unless you have an international driving license or one specific for the country you’re visiting, we advise against driving at all.
Drinking overseas Want to let your hair down overseas? Sounds like fun! But if you’re somehow involved in an accident where you need medical help or injure someone else, your medical cover and/or public liability will become null and void if alcohol is involved. Unfortunately this usually also includes if your drink gets spiked, so it’s up to you to keep an eye on your drinks at all times.
How to submit a travel insurance claim?
We’ve simplified the insurance claims process so that you don’t spend hours on the phone in a queue. We recommend taking the following steps:
How long before I hear back?
You may receive an automated response from an online submission. If submitting your claim by post, it may take up to 10 business days to hear back from your overseas travel insurer.
How long do I have to make a claim?
Most insurance companies understand that sometimes life gets in the way before finding time to lodge your claim. However, the sooner you start lodging, the quicker you know where you stand with your policy and what you’re entitled to. It’s also a good idea to get started before your extra documents get lost on your desk or accidentally thrown out.
By using our travel insurance comparison calculator, you will benefit from reviewing a range of prices and policies, all in one place. Now that’s saving time.
All you’ll need to do to get a range of quotes, is tell us your destination, dates of travel and traveller ages.
Your results will be sorted by price, but often getting the cheapest policy isn’t always your number one priority. Mozo’s Experts Choice Award winners could be a great place to start if you are looking for top insurance cover as well as great value.
Travel insurance reviews
Have you ever relied on someone else’s opinion before purchasing a new brand of clothes or even coffee? Well buying seniors travel insurance is no different. By reading the various travel insurance reviews available, you may be able to determine which policy would suit you the most.