Even though travelling costs have gone down, for most over-50s people, it’s quite difficult to find the right travel insurance that fulfils their requirements. Elderly travel insurance should be selected very carefully after comparing a lot of policies as their prices increase once you are over 65. Typical annual premiums exceed £100, and this situation will not change for the citizens of UK as the population grows older.

If you are travelling with your elderly parents for more than 45 days on a trip and if they have pre-existing medical conditions, then don’t assume that the senior travel insurance that you have purchased will cover everything. Elderly travellers should always check with the insurer whether they require additional “top-up” payments or not. Many policies contain caveats and exclusions, so besides checking the price, also look for medical, cancellation, and baggage cover. If you don’t take care of these issues at the beginning then you run the risk of your claims being refused later on.

Staysure.co.uk has launched a new travel insurance policy for over-50s age group, which is five times cheaper than the competition. If a 50-year old couple decides to go on a Europe trip for seven days, they’ll have to pay £14 minimum. This policy covers 220 medical conditions, without charging any extra money for it. Those who are up to 85 years of age can go for single policy cover and those up to 81 years of age can go for annual cover.

Age Concern Insurance Services provides customized travel insurance for the elderly, without any restrictions like upper age limits. According to Joe Young from the company, they aim to cover as many pre-existing medical conditions as possible.

As per the travel policy offered by Marks & Spencer’s, a 70 year old traveller who is in good health needs to pay a high premium of £148 that includes the Caribbean, USA and Canada. But it’s worth it as it has a good level of health cover. However, those who apply for this insurance have to go through additional screening, online or over the phone, for serious medical conditions like cancer that they may be suffering from in the last one year. The cover offered by Marks & Spencer’s is definitely much more than a standard policy. Average cancellation cover is between £2,000 and £3,000, up to a maximum of £6,000. Baggage cover is £2,500 and medical cover is £10m.

Rias, Saga, and Age Concern provide travel insurance for the elderly, while Marks & Spencer offers competitive products. So, before picking a policy, it is better to scan the entire travel insurance market for the elderly rather than to opt for a specialist.

There is some good news for travellers over 65 years of age who wish to travel around the world but cannot do so because of pre-existing medical conditions. Most over-65 travel insurance plans, especially, for people with pre-existing medical conditions are priced higher than regular travel insurance policies, just because of the risks involved for the cover provider.

However, with the new over-65 pre-existing medical condition travel insurance policy from Essential Travel, you may not have to cancel or curtail your travel plans any more. The new policy allows over-65 travellers to avail of a travel insurance policy that takes care of them while on a trip abroad. It is almost like a boon for travellers who have pre-existing medical conditions. With an easy online screening process in place to identify existing medical conditions and map a policy accordingly, seniors now only have to worry about packing their bags and getting the tickets!

Also, with a whopping £10 million being available as medical cover, as well as a considerable flexibility in choosing the policy or medical cover one wants, Essential Travel has literally opened the gates to the over 65 travel enthusiasts. Families now do not have to worry about leaving their grandparents behind while on a trip to Egypt, as Essential Travel makes it a cakewalk to obtain a travel insurance for the seniors, even with the severest of pre-existing medical conditions such as a chronic or terminal illness.

Travel insurance might have seemed the best option to avoid getting into serious trouble while travelling or globe-trotting. However, how would you feel if the travel insurance itself was a ripoff in the first place? Don’t raise your eyebrows, because this is exactly the case with most over-65 individuals, who find the insurance premiums doubling up or shooting through the roof, just because they happen to be on the wrong side of 65.

Many insurance companies have defended the price jump, justifying that with over-65 travellers the chance of an insurance claim is thrice than young tourists, with the claim value again being thrice the normal claim rates.

Most of the elderly lot will take this into their stride and travel anyway, while the rest simply drop their plan to travel. Many often risk the dangers of travelling without buying travel insurance. But do you really have to be duped like this? Not really. Check out the listed tips to avoid being the latest victim of travel insurance ripoffs that have become so commonplace today:

• You Need to Choose Your Insurance Very Carefully – Shop around for a travel insurance deal. Take into account at least 10 insurance agencies before you settle for one, because most would not pay for existing ailments and have other adverse conditions. Try to find the one that costs the least with the maximum benefits.
• Specialists or Not? – Try to use a specialist insurance agency that has had a client base of over-65 travellers, but do not stick to them as a commandment. In fact, at times, using your neighbourhood bank or travel insurance agency might land you a better deal than specialists who care only for policies and deadlines.
• The Double-Agent – Don’t trust your agent blindly. Most agents try to sell off insurance policies that are of no use to you, except being about 90% more expensive than what other insurance policies would have cost.
• The Fine Print – Read the fine-print, (with a magnifying glass if so needed) in thorough detail. A lot of conditions, claim considerations, etc. are mentioned in fine print deliberately for you to miss them. Don’t give them the satisfaction and pleasure by doing so!

If you have these points in place, even the best travel insurance agent cannot get you to buy a useless policy, even if you are in desperate need of one!

For all those Britons who have always had an unquenchable thirst for travel across the seven seas, there is good news in store! The Post Office, after an intensive survey, has found that aged travellers, especially, the over-65s are the most diligent and fearless in pursuing travel trips and plans – both domestically as well as abroad.

This comes as a pleasant surprise for mature travellers, as the recession has already weakened the finances of many.

Over-65 travel insurance had already become a major issue of concern for those travelling out of Britain and to places such as Africa or Asia, where the security issues and health concerns compel the tourists to have a travel insurance cover.

The Post Office has relieved a majority of such world-trekkers, many of whom were risking travel without travel insurance. It has also relieved a lot of stress from the children of parents who are over-eager to travel.

The travel insurance plan for the over-65s from the Post Office comprehensive yet well priced policy. Annual multi-trip over-65 travel insurance policies save the candidates from spending a fortune every time they decide to travel. Apart from the core travel cover for over 65s, additional benefits such as cover for baggage, waiver on excesses or golf cover are also readily available at through the Post Office.

However, the upper limit of their travel insurance has been set at 74. However good these plans may seem, always check the terms and conditions that have been set down by the Post Office before purchasing the travel policy.

The move from one of Britain’s most reputed and organized institutions has been welcomed by one and all, especially, from the older age group. As Rachel Croft, Head of Travel Insurance, Post Office, asserts, “We understand that finding affordable travel insurance can prove difficult for older travellers and can lead to people having to take out policies that impose high costs or heavy stipulations, which is why we are extending our multi-annual travel insurance policy to the over-65s.”

With a good multi-trip travel insurance to cover your back, you are ready to conquer the world, for travelling is an art that is never too late to practice and enjoy!

65 Travel Insurance has recently obtained quotes from a variety of travel insurers who cater to people over 65 years. The results are listed below:

Date completed: 22nd September 2009
Cheapest travel insurance: 1st Stop Travel Insurance – GET QUOTE

• 1st Stop – £13.91
• Atlas Direct – £16.65
• ASDA – £21.16
• Insure for All – £21.49
• Churchill – £29.28

The quotes will be to compare price and is based on the following conditions:

65 year old – male
European holiday
Single trip – 14 days
No medical or pre-existing conditions

PLEASE NOTE: Depending on your circumstances price should not be be sole factor in determining the most appropriate travel insurance for yourself. You should take in to consideration any excess payable, cover for pre-exisiting conditions and you should read the terms and conditions before purchasing any policy.

As more than 2 million Britons troop out to see the world this weekend, the insurance agencies cannot stop rattling on about the importance of having a travel insurance while on vacation, especially if you’re over 65. And rightly so!

A large number of Brits have started ignoring travel insurance. Many claim that it’s more of a luxury than serious travel cover, while many have deliberately pushed aside cheap travel insurance due to the weak economical situation prevailing worldwide. However, most authorities have advised against the idea – as an alarming rate of Britons (10% to be precise) continue to turn a blind eye to travel insurance. They are innocently playing with danger by travelling overseas without proper travel cover.

Direct Travel Insurance (DTI) has featured a shocking list of facts that detail the rising trend of travelling even without cheap travel insurance these days. It includes claims of:

• £747 in cancellation of travel trips
• £210 in lost or stolen luggage
• A whopping £1923 in legal costs
• £675 for insect bites and temporary illnesses

While about half of those who travelled without insurance cover confessed that they didn’t give much thought to it – the insurance agencies and authorities are concerned over such misplaced attempts at savings.

While many tend to think that skipping an travel insurance  is a simple way to save money, we will ask you to think again! Even as little as an appointment with the dentist overseas can burn a hole into your pocket – and keep burning deep, if you don’t have good travel cover.

So, the next time  you want to omit cheap travel insurance on a trip to Venice, discourage it firmly with facts. After all, without proper travel insurance, even a lost passport can be very costly!

One question we get asked a lot is “where can I purchase cheap over 65 travel insurance?” First and foremost avoid the places you will tend to pay a premium for travel insurance – directly from an airlines, travel agents, holiday companies or the high street. If you’re over 65 your best bet for cheap travel insurance is to start your search online. Just remember not all over 65 travel insurance policies are the same.

With travel insurance you usually get what you pay for. If the premium is cheap more than likely you will have less cover, your excess will be higher if you make a claim and the payout amount will more than likely be reduced with cheaper insurance policies.

It’s important to remember to compare over 65 travel insurance policies each time you go on holidays. Just because the insurer you booked through previously was cheap it doesn’t mean it will be the cheapest next time. Travel policy premiums are always fluctuating depending on the coverage you require, the length of time you will be away, your age, pre-existing medical conditions and the level of excess you’re willing to pay. Travel cover prices may also fluctuate as an insurance company manages their risk. Premiums may be higher for a particular group if the insurer is trying to reduce their risk and exposure in that particular area.

“For the cheapest travel insurance compare policies each time you go on holidays”

You can do the leg work yourself by comparing travel insurance for over 65s in our insurance matrix. Otherwise, the quickest and simplest way to get cheap travel insurance is to visit our Travel Insurance Comparison. Periodically we compare the premiums of travel insurers who cover people over 65. You can get a free quote and purchase your cheap travel insurance in less than a couple of minutes. Easy!

70% of Englishmen who retire wish to pack their bags and go off on a world tour.

The yearning to travel to distant places doesn’t diminish with age, but the security and health concerns can prevent older people from travelling.

With many conventional health insurance and travel-insurance agencies either charging sky-high premiums or rejecting applications for over 65 travel insurance, seniors have very little choice but to stay at home. Recently, this scenario has changed for the better as we here at 65 Travel Insurance offer online comparisons for the young at heart and all the way up to those who need elderly travel insurance for themselves, a parent or grandparent.

So, before you pick any elderly travel insurance deal, check the following points to reduce your travel insurance premiums and stay out of trouble during the trip –

• Terms of qualification – Check for every minute detail related to the qualifying presets (including age limits) set down by the insurance provider. Honest answers to all personal data for verification, including your age and contact details are mandatory to avoid facing nasty surprises in the deal, in case any unpleasant incident occurs during the trip.
• Health conditions – Double-check whether all health conditions are covered by your over 65 travel insurance policy. Pre-existing conditions that will not be entertained during a claim should be clarified beforehand.
• Follow the right procedure for making your claim – Identify and comprehend the complete procedure of claiming compensation if an accident occurs during the trip. Even though the agents will help you with this, consulting your lawyer is strongly advised. Many claims are denied outright because they ignore the correct procedure.

With all these points in place, you are ready to revel in the sun in Hawaii or revisit the Incas in Peru, while 65 travel insurance covers your wallet!