Finding travel insurance for people more than 65 and those who have medical conditions associated with old age has been be more difficult in the past. Many standard providers of insurance hold the view that they do not provide cover for people above a certain age. Some will simply exclude cover for pre-existing medical conditions.
The more considerate insurance companies believe age alone is not a reason to refuse or restrict coverage; and there is no need to exclude people for many coverable medical conditions. Insurance is essential and cannot be regarded as a "luxury"-it is an integral element of any holiday' whether traveling in the United States or jetting off to an exotic location.
The better insurers will asses you on your personal needs and requirements. It is best to find a company that can offer individual personalized quotes based on answers you provide in a medical screening questionnaire. Packages are then tailored to cover your ailment. Example packages are cystitis insurance, diarrhea/vomiting insurance, dislocated hip insurance, dyspepsia insurance etc.
Generally, insurance companies will exclude you for insurance for the following reasons:
1. Received a terminal prognosis; or
2. Waiting for an operation, hospital consultation, the results of any hospital tests or investigations, or is waiting for or receiving hospital treatment;
3. Any person named in the policy who is traveling against medical advice for obtaining treatment.
The better insurance companies will offer tips and advice for your travel and have a 24-hour medical helpline. The kind of advice you will receive before you go will be:
1. Find out what predeparture vaccinations you may need for the countries you will visit.
2. Pack any medication for pre-existing conditions in your hand luggage.
3. Don't drink the tap water, as some foreign countries do not meet the same standards as the United States. Ice can also be a problem so ask for your cold drinks without ice.
4. Take details of your travel insurance policy with you on your trip, including the emergency helpline number in case you need to claim
Finding travel insurance for over 65s need not be daunting, complicated and difficult. A considerate, sympathetic insurer who specializes in the older age range will be able to take care of you. Letting the insurance company know your ailments will mean tailored cover, reducing costs and making sure you receive the cover and help you need when you need it most.
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