Many insurance companies do not offer travel insurance cover to senior citizens, but many older people love to travel instead of staying at home and watching TV. If you are an adventurous senior, you can still get a policy, however. You can readily purchase Age Concern travel insurance designed specifically for seniors. Use the following questions and answers to find the right policy for your needs and requirements.

1) Do I need Age Concern travel insurance?

This type of cover is designed specifically for senior citizens that do not qualify for standard packages. Generally, many insurers will sell all of their packages to individuals up to 65 years of age. More and more companies set 74 years as the upper age limits to their policies, given the aging populating in western countries and the growing number of aged travelers.

Some companies do not set an upper age limit on certain types of packages they offer. Ageas Insurance Limited, for instance, sets no upper age limit on their single trip holiday insurance policies.

You may want to do some research to find out if you qualify for a standard policy and compare it with an Age Concern one to see which option is more beneficial for you.

2) Are there any age limits applicable to Age Concern travel insurance?

No, there are no age limits of any kind. It does not matter whether you are in your 70s or 80 or if you are 100 years of age or older. You will still qualify for a policy. Your age should not have a direct effect on the size of the premium you will have to pay.

3) Will I qualify if I have pre existing medical conditions?

You may qualify for Age Concern travel insurance, if you have pre existing medical conditions. In general, you are supposed to inform the underwriter if you have serious medical conditions, which increase your health risk, such as coronary heart disease or cancer. You will need to contact the company and explain your condition. Then you will be asked to undergo medical screening and/or to show medical records regarding your pre existing condition. The underwriter will assess the risk and will approve or reject your application.

4) What types of coverage are available under the Age Concern travel insurance?

The standard package designed for senior citizens travelling abroad includes emergency medical treatment expenses coverage. The upper limit for this coverage is £10 million. Cancellation and loss of deposit coverage and personal belongings coverage are also included. You can take advantage of medical equipment coverage. It covers any medical devices you use in case they get damaged, lost or stolen. The financial failure cover protects you in case a travel or accommodation provider fails financially and cannot provide you with the respective services and products.

5) How much coverage should I buy?

If you are a seasoned traveler, you should be able to choose the optimal amounts of coverage for your needs. In general, the rule of thumb is that you need to get amount of coverage that is slightly higher than the value of your items. Similarly, you should not pay more for coverage of an item than its current value. It is worth purchasing more emergency medical treatment coverage, as medical costs everywhere in the world are high.

6) How can I save on Age Concern travel insurance?

You can save on any type of travel insurance, if you have valid international health insurance or a health card valid in other countries. This will allow you to purchase a smaller amount of medical treatment coverage.

Age Concern travel insurance is available to groups of ten or more adults travelling together. The group package will certainly come out cheaper than ten or more individual packages.

You can include any children under 18 travelling with you in the cover you buy. This is another beneficial saving option.

7) How do I buy such a policy for senior citizens?

You can buy a policy in any office of an insurance company selling this type of policy. You can also purchase a policy online. In this case, you may be eligible for a discount. Just remember to request a number of quotes first and compare them. In this way, you will be able to select the best possible deal.

Use this guide with frequently asked questions on Age Concern travel insurance to find the right deal and enjoy your trip to the fullest.

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