Senior Travel Insurance

Travel Cover for the Older Traveller

As people near and pass retirement age travel insurance gets more and more expensive. Insurers like to cover themselves against the higher risk of illness or injury particularly when senior citizens are holidaying in countries like the USA where medical costs have to be paid for. Try our older person's insurance tool below provided you are under 100 and not going skiing we should be able to provide with a reasonable selection of insurers.

Spend 30 seconds answering these 5 simple questions to get started.

Travel Insurance type

Single Trip

Annual multi-trip

Number in group

Destination

Holiday type

Age of eldest traveller

years

Make sure that you carefully select your cover dates very carefully. It is most important that you include the day that you leave your house and the day you return back to it as these are the days that you are most likely to have a claim on your travel policy i.e. the day the airline may lose your luggage. Be aware that while you can usually extend your senior citizen travel insurance while you are abroad before it has expired. If you wait until after your insurance has expired, your insurer will often refuse to provide you with an extension to your travel insurance. It is usually difficult to arrange holiday cover while you are abroad as well.Winter sports holidays will not necessarily be covered under your standard policy particularly if you are a senior citizen. Check the wording some travel insurance policies may cover you so long as you do not go skiing off piste or snow boarding (as if you would!) and some policies will not cover you for winter sports holidays at all. Even if you think you are covered for injuries it may be worth paying extra for a policy that will cover you for piste closure (although the travel insurance company's definition of what piste closure is should also be checked).You may need more than a standard travel insurance policy if you are going on holiday for a significant period of time (usually over a month), or if you are backpacking or if you are partaking in an adventure holiday. Check the small print again if you are planning to, or if you think you may be tempted by activities like the bungee jumping, white water rafting or hang gliding you will usually need more expensive insurance. Even for activities like horse/elephant/camel riding or going karting or scuba diving you may have to up your travel insurance.

Here are some hints and tips that may save you some money

The travel agent's insurance will usually be the most expensive quote you get, don't be in a rush to take up their offer. If you shop around, you should be able to get much cheaper holiday insurance online, or by phoning a specialist travel policy broker.
Think about how many times you may buy travel insurance this year. Consider buying annual travel insurance if you intend going more than twice in one 12 month period.
If you are going as a couple buy couples travel insurance, this will usually save a few pounds too.