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!