Things you should know about holiday travel insurance for the over 50s
Travelling without medical travel insurance, particularly if you are over 50, is not only foolhardy, but it can result in you losing your life savings to pay for medical treatment.
Firstly, never assume your credit card accident cover will insure you against any eventuality – it won´t! Even private health cover may not be enough to ensure you receive the emergency medical treatment you need.
Click here for travel insurance
Thousands of people book foreign holiday every year, and up to 25% fail to book travel insurance. When compared to the cost of the holiday, travel insurance is only a tiny fraction of the overall cost, and it could literally save your life. Even minor surgery in Europe will cost you around £10,000, and if you are travelling further afield, medical costs can be mind-boggling. Policies bought from travel agents can be four times as much as those bought through a regulated travel insurance specialist such as Staysure.
If you want to cut the cost of your travel insurance but also want to get the best policy for you, consider the following 20 tips:
1. An air ambulance from the USA to the UK can cost in the region of £35-45,000.2. An air ambulance from Spain to the UK can cost between £12 and 16,000.3. An air ambulance from Australia to the UK can cost from £15 to 20,000.
If you are over 50, over 60 or over 70, it is vital you choose the right medical insurance for you, and make sure it provides adequate cover for your trip. Take your time to find the right medical travel insurance at the right price and don´t leave it until the last minute to book it.
It is worth remembering that the British Embassy will not pay for you to be flown back to the UK if you suffer an accident, injury or illness, so make sure your medical travel insurance policy covers the following:
• Pre-existing medical conditions• 24 hour emergency telephone number• Personal liability• Cover for loss of possessions, including theft• Cancellation or cutting short your trip• Additional cover for activities not included in a basic policy, such as winter sports• Personal accident cover• Legal expenses• Financial cover in case your tour operator goes bust
If you are over 50, always use a firm that specialises in medical travel insurance for the over-50s, as they will give better rates and service than many of their competitors. Also check for any cover exclusions which you may be unaware of.
Top tips about medical travel insurance
Top medical travel insurance tips include:
1. Always choose the right over-50s insurance for you
Make sure you choose the right travel insurance policy for you. Look beyond the cost and make sure the service is what you would expect. Use a company that specialises in over 50s medical travel insurance and check customer reviews. Ask as many questions as you need to about the difference in price and cover for multi-trip insurance policies and single-trip policies. Book your medical travel insurance at the same time you book your holiday. That way you will ensure you get the right cover to suit your needs.
2. Which medical insurance policy is best for me?
Medical travel insurance policies include single trip policies and annual multi-trip policies which cover the insured during any trip they take within 12 months. Some policies will include individual requirements. If you only ever take one trip a year, a single trip policy is probably your best option, but if you are likely to travel more widely during a year, then look at the multi-option travel insurance policy, which will work out cheaper and offer you comprehensive cover.
3. How much is holiday travel insurance for the over 50s?
The price depends on your age and where you want to travel. It can also depend on how long you plan to spend in the destination. Staysure specialises in arranging holiday travel insurance cover for the over 50s, over 60s and over 70s, which will keep the cost down and cover you for any eventuality. You may want to get the most from your insurance cover with a multi-trip policy, which can be arranged to cover you in Europe and/or worldwide. If you want additional insurance cover for winter sports or any other high risk activities, you are likely to have to pay a small additional premium. If you are over 50, always use a company that specialises in over-50 travel insurance for the best deals and the most comprehensive cover.
4. Maximum trip duration
The maximum trip duration is dependent on age, but whatever your age, you should be able to find a policy to suit you. Even if you are over 75, you should be able to find a long stay policy to suit you with a specialist over-50s travel insurance company. You should be able to get insured from between 3 and 18 months, which will cover most trips. It is worth remembering that multi-trip travel insurance also often includes travel in the UK, so it may better for you to book this than a single trip insurance, even if you only go abroad once a year. A Staysure customer service advisor will be able to advise you about which policy is the best one for you. Also bear in mind, that you are just as likely to be the victim of a thief in Bournemouth as you are in Belgrade.
5. Insure against cancellation
Book your travel insurance in plenty of time and make sure you are insured against holiday cancellation. If your trip has been cancelled or delayed, you can claim to get your money back. Look for a policy with high cancellation cover, particularly if you are planning an expensive holiday or world cruise. Only pay for the amount of cover you need. If your holiday cost £2,000 there is little point in being covered for £5,000 so take your time to ask questions and get the right deal for you.
6. Baggage loss insurance
Travel insurance for the over 50s, and for senior citizen´s, should always include loss or damage to baggage during your trip. Whether you are travelling to Spain, Germany, France, the USA, Australia, Malta, Rumania, Bulgaria, Cyprus, Turkey, Greece, Portugal or the Outer Hebrides, the last thing you want is to arrive without your baggage. British travel insurance in among the best in Europe so take advantage of it and make sure you are covered for everything that is important to you. Even if you have pre-existing medical conditions you should still be able to find a policy to suit you. Claiming for lost or stolen baggage abroad can be difficult if you have no insurance, and you will hardly ever be successful in finding your luggage.
7. Holiday travel insurance for all the family
If you are travelling with the family, take out a family policy to cover any accident, injury, illness or loss on holiday. Most policies are flexible and can be tailor made to suit you. Ask any questions before you book and make sure any younger kids are insured if they travel without you.
8. Driving insurance and car hire for the over 50s
It is worth remembering that if you plan to hire a car on holiday, take out additional insurance to cover any eventuality. Check that car accident cover is included and even if you have to pay a little extra, it is well worth it. Car hire companies will offer some type of insurance, but if you include it in your holiday travel cover, you will have complete peace of mind that any medical bills resulting from an accident will be covered.
9. Insure against airline collapse With the collapse of several airlines since the recession kicked in, it is advisable to insure against flight/holiday cancellations. Some travel insurance companies now include this as standard, but many do not. Make sure you check this is included, even if you have to pay a small extra premium. Also bear in mind that if you pay for the flight by credit card, you are covered under Section 75 of the Consumer Credit Act for purchases between £100 and £3,000, but to be on the safe side, make sure air travel cancellation cover is included in your medical travel policy before you book it. 10. Travel Checks
Always check visa requirements for countries outside the EU that you plan to travel to. You can find this information from the Embassy or Consulate for the country you are travelling to in the UK. Also make sure your UK passport has at least 6 months remaining on it as some countries require this before they will allow you entry. Again, you can check with your travel agent or with the country´s UK Embassy about whether this is a requirement in the country you are travelling to. Take your European Health Card (EHIC) with you as this will ensure you receive emergency medical treatment if required. However, this will not give you the same cover as medical travel insurance, so make sure you are fully covered by this before you travel. 2. Over 50s travel insurance guidelines
Travel insurance is particularly important if you are over 50 and/or if you have a pre-existing medical condition. You must protect yourself against accident or illness on holiday, and make sure you get the right policy for you. The over-50s generally spend more time travelling than younger holidaymakers, so to give you complete peace of mind, make sure you have medical cover for medical emergencies, cancellation and loss of credit cards and money.
A summary of ten top travel insurance guidelines includes:
1. Shop aroundTake your time to find the best travel insurance to suit your requirements and never leave it until the last minute to book.
2. Check the detailsRead the policy thoroughly and if you have any questions, ask. Make sure you have the right insurance product and the right cover for you and your family
3. Keep a copy of documentsAlways keep a copy of your insurance documents and policy safely. Give a copy to a friend or family member in the UK in case of any emergency.
4. Keep it safeMost insurance companies will give you a wallet-sized document with an emergency number on – so keep it safe.
5. Pre-existing medical conditionsAlways declare any pre-existing medical conditions to your insurer as failure to do so could result in you not being covered.
6. Remember your health cardIf you are travelling to Europe, remember to take your European Health Insurance Card (EHIC) which will cover you for some medical help and emergencies. This is not a substitute for comprehensive health cover so make sure you also have medical travel insurance.
7. Take care of your bags Never let your luggage out of your sight or your insurer may refuse to pay out on any baggage loss claim.
8. Unsafe countries Make sure you are not travelling to a country that has been declared unsafe by the Foreign and Commonwealth Office (FCO) as you will not be able to get insurance for it.
9. Pre-existing medical cover Particularly if you are over 50, choose a travel insurance company which allows plenty of pre-existing medical conditions.
10. Don´t go cheap Never choose travel insurance just because it´s cheap. Take your time to shop around and find the best policy for you and your family.
Never leave home without adequate medical travel insurance cover. It costs very little and it will give you complete peace of mind so you can relax and enjoy your holiday. Over 50s, over 60s and over 70s medical travel insurance is available from specialist insurance firm, Staysure, who can advise you about every type of travel insurance cover available at an affordable price.
Firstly, never assume your credit card accident cover will insure you against any eventuality – it won´t! Even private health cover may not be enough to ensure you receive the emergency medical treatment you need.
Click here for travel insurance
Thousands of people book foreign holiday every year, and up to 25% fail to book travel insurance. When compared to the cost of the holiday, travel insurance is only a tiny fraction of the overall cost, and it could literally save your life. Even minor surgery in Europe will cost you around £10,000, and if you are travelling further afield, medical costs can be mind-boggling. Policies bought from travel agents can be four times as much as those bought through a regulated travel insurance specialist such as Staysure.
If you want to cut the cost of your travel insurance but also want to get the best policy for you, consider the following 20 tips:
1. An air ambulance from the USA to the UK can cost in the region of £35-45,000.2. An air ambulance from Spain to the UK can cost between £12 and 16,000.3. An air ambulance from Australia to the UK can cost from £15 to 20,000.
If you are over 50, over 60 or over 70, it is vital you choose the right medical insurance for you, and make sure it provides adequate cover for your trip. Take your time to find the right medical travel insurance at the right price and don´t leave it until the last minute to book it.
It is worth remembering that the British Embassy will not pay for you to be flown back to the UK if you suffer an accident, injury or illness, so make sure your medical travel insurance policy covers the following:
• Pre-existing medical conditions• 24 hour emergency telephone number• Personal liability• Cover for loss of possessions, including theft• Cancellation or cutting short your trip• Additional cover for activities not included in a basic policy, such as winter sports• Personal accident cover• Legal expenses• Financial cover in case your tour operator goes bust
If you are over 50, always use a firm that specialises in medical travel insurance for the over-50s, as they will give better rates and service than many of their competitors. Also check for any cover exclusions which you may be unaware of.
Top tips about medical travel insurance
Top medical travel insurance tips include:
1. Always choose the right over-50s insurance for you
Make sure you choose the right travel insurance policy for you. Look beyond the cost and make sure the service is what you would expect. Use a company that specialises in over 50s medical travel insurance and check customer reviews. Ask as many questions as you need to about the difference in price and cover for multi-trip insurance policies and single-trip policies. Book your medical travel insurance at the same time you book your holiday. That way you will ensure you get the right cover to suit your needs.
2. Which medical insurance policy is best for me?
Medical travel insurance policies include single trip policies and annual multi-trip policies which cover the insured during any trip they take within 12 months. Some policies will include individual requirements. If you only ever take one trip a year, a single trip policy is probably your best option, but if you are likely to travel more widely during a year, then look at the multi-option travel insurance policy, which will work out cheaper and offer you comprehensive cover.
3. How much is holiday travel insurance for the over 50s?
The price depends on your age and where you want to travel. It can also depend on how long you plan to spend in the destination. Staysure specialises in arranging holiday travel insurance cover for the over 50s, over 60s and over 70s, which will keep the cost down and cover you for any eventuality. You may want to get the most from your insurance cover with a multi-trip policy, which can be arranged to cover you in Europe and/or worldwide. If you want additional insurance cover for winter sports or any other high risk activities, you are likely to have to pay a small additional premium. If you are over 50, always use a company that specialises in over-50 travel insurance for the best deals and the most comprehensive cover.
4. Maximum trip duration
The maximum trip duration is dependent on age, but whatever your age, you should be able to find a policy to suit you. Even if you are over 75, you should be able to find a long stay policy to suit you with a specialist over-50s travel insurance company. You should be able to get insured from between 3 and 18 months, which will cover most trips. It is worth remembering that multi-trip travel insurance also often includes travel in the UK, so it may better for you to book this than a single trip insurance, even if you only go abroad once a year. A Staysure customer service advisor will be able to advise you about which policy is the best one for you. Also bear in mind, that you are just as likely to be the victim of a thief in Bournemouth as you are in Belgrade.
5. Insure against cancellation
Book your travel insurance in plenty of time and make sure you are insured against holiday cancellation. If your trip has been cancelled or delayed, you can claim to get your money back. Look for a policy with high cancellation cover, particularly if you are planning an expensive holiday or world cruise. Only pay for the amount of cover you need. If your holiday cost £2,000 there is little point in being covered for £5,000 so take your time to ask questions and get the right deal for you.
6. Baggage loss insurance
Travel insurance for the over 50s, and for senior citizen´s, should always include loss or damage to baggage during your trip. Whether you are travelling to Spain, Germany, France, the USA, Australia, Malta, Rumania, Bulgaria, Cyprus, Turkey, Greece, Portugal or the Outer Hebrides, the last thing you want is to arrive without your baggage. British travel insurance in among the best in Europe so take advantage of it and make sure you are covered for everything that is important to you. Even if you have pre-existing medical conditions you should still be able to find a policy to suit you. Claiming for lost or stolen baggage abroad can be difficult if you have no insurance, and you will hardly ever be successful in finding your luggage.
7. Holiday travel insurance for all the family
If you are travelling with the family, take out a family policy to cover any accident, injury, illness or loss on holiday. Most policies are flexible and can be tailor made to suit you. Ask any questions before you book and make sure any younger kids are insured if they travel without you.
8. Driving insurance and car hire for the over 50s
It is worth remembering that if you plan to hire a car on holiday, take out additional insurance to cover any eventuality. Check that car accident cover is included and even if you have to pay a little extra, it is well worth it. Car hire companies will offer some type of insurance, but if you include it in your holiday travel cover, you will have complete peace of mind that any medical bills resulting from an accident will be covered.
9. Insure against airline collapse With the collapse of several airlines since the recession kicked in, it is advisable to insure against flight/holiday cancellations. Some travel insurance companies now include this as standard, but many do not. Make sure you check this is included, even if you have to pay a small extra premium. Also bear in mind that if you pay for the flight by credit card, you are covered under Section 75 of the Consumer Credit Act for purchases between £100 and £3,000, but to be on the safe side, make sure air travel cancellation cover is included in your medical travel policy before you book it. 10. Travel Checks
Always check visa requirements for countries outside the EU that you plan to travel to. You can find this information from the Embassy or Consulate for the country you are travelling to in the UK. Also make sure your UK passport has at least 6 months remaining on it as some countries require this before they will allow you entry. Again, you can check with your travel agent or with the country´s UK Embassy about whether this is a requirement in the country you are travelling to. Take your European Health Card (EHIC) with you as this will ensure you receive emergency medical treatment if required. However, this will not give you the same cover as medical travel insurance, so make sure you are fully covered by this before you travel. 2. Over 50s travel insurance guidelines
Travel insurance is particularly important if you are over 50 and/or if you have a pre-existing medical condition. You must protect yourself against accident or illness on holiday, and make sure you get the right policy for you. The over-50s generally spend more time travelling than younger holidaymakers, so to give you complete peace of mind, make sure you have medical cover for medical emergencies, cancellation and loss of credit cards and money.
A summary of ten top travel insurance guidelines includes:
1. Shop aroundTake your time to find the best travel insurance to suit your requirements and never leave it until the last minute to book.
2. Check the detailsRead the policy thoroughly and if you have any questions, ask. Make sure you have the right insurance product and the right cover for you and your family
3. Keep a copy of documentsAlways keep a copy of your insurance documents and policy safely. Give a copy to a friend or family member in the UK in case of any emergency.
4. Keep it safeMost insurance companies will give you a wallet-sized document with an emergency number on – so keep it safe.
5. Pre-existing medical conditionsAlways declare any pre-existing medical conditions to your insurer as failure to do so could result in you not being covered.
6. Remember your health cardIf you are travelling to Europe, remember to take your European Health Insurance Card (EHIC) which will cover you for some medical help and emergencies. This is not a substitute for comprehensive health cover so make sure you also have medical travel insurance.
7. Take care of your bags Never let your luggage out of your sight or your insurer may refuse to pay out on any baggage loss claim.
8. Unsafe countries Make sure you are not travelling to a country that has been declared unsafe by the Foreign and Commonwealth Office (FCO) as you will not be able to get insurance for it.
9. Pre-existing medical cover Particularly if you are over 50, choose a travel insurance company which allows plenty of pre-existing medical conditions.
10. Don´t go cheap Never choose travel insurance just because it´s cheap. Take your time to shop around and find the best policy for you and your family.
Never leave home without adequate medical travel insurance cover. It costs very little and it will give you complete peace of mind so you can relax and enjoy your holiday. Over 50s, over 60s and over 70s medical travel insurance is available from specialist insurance firm, Staysure, who can advise you about every type of travel insurance cover available at an affordable price.
posted by The Car Hire Guy at
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