Over 65s Single Travel Insurance

It is undeniable that everyone has different travel insurance needs, depending on the type of person, as well as the type of holiday on which they are going. Therefore regular travel insurance does not necessarily meet the needs of every traveller, particularly those of the more senior globetrotter. This is one of the reasons why specialised over 65s single trip travel insurance was designed. It is intended to be catered towards the specific travel insurance needs of the senior citizen, at the most affordable price for the customer.

There is the tendency to think that, given the fact travel insurance is determined by the risk at which the individual is considered, the older the traveller, the higher the cost of the insurance policy. It is assumed that people over 65 are going to be at a greater risk, as they are more likely to have health conditions, for example, that travelling may affect. This, in fact, is not necessarily the case. Over 65s single trip insurers work on a differing assumption, surmising that older travellers are likely to take fewer risks, therefore reducing the likelihood of them making a claim. This, in turn, reduces the cost of the policy. So the advice is, if you’re over 65, to shop around for your travel insurance, as you could end up paying over the odds if you do not request special rates because of your age.

So, what’s included in the policy? Your policy should include cover for medical expenses and protection against theft and loss, as well as against the cancellation of you holiday.

Baggage cover is an optional extra of an over 65s single trip insurance policy, and whether you buy it or not is often determined by whether your home contents insurance covers your holiday luggage.

You can also have the option for winter sports cover, though this often has a lower age limit of around 68.