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.

Travelling or the yearning for it does not wean away with age. In fact, the urge to travel to uncharted territories and heavens on earth only grows more as you grow older. However, unlike in youth, simply packing your bags and jet-setting to far corners of the world can be a challenge during the later stages of life.

Travelling, for older people, can require extensive planning. A few tips would only help in that direction:

• Check whether problems of jet lag or a change in the food can affect you worse than others. If yes, then you need to cut down on extensive flying and trying out experimental dishes.

• Consult with your doctor when you start planning for the trip. You are going abroad my friend! A thorough check-up is a must.

• Vaccines and medicines – These days pandemics (such as swine flu or bird flu) wreak havoc on your holiday and health. Getting yourself properly vaccinated and carrying the right medicines is very important for each travelling individual queuing up for elderly travel tours!

• Travel insurance is another aspect that needs attention. Often elderly travel enthusiasts skip travel insurance in order to cut down on burgeoning travel costs. But this is a gross mistake as travellers are often left stranded without insurance in the middle of nowhere. To avoid such situations, make sure you have the right over 65 travel insurance plan to back you up in case of an emergency.

While these points are enough to catch you from getting caught unaware in the midst of a mess-up, travelling abroad is a risk even for the sturdiest of older people. However, in case of elderly travel, other factors such as travelling in groups and signing up with a proper travel agency are crucial.

Unlike youngsters who may be able handle untoward situations, sometimes through ignorance, elderly people can lack the emotional power and stamina to tackle similar situations. A thorough understanding of the destination and information regarding the food, weather and culture is one of the most important elderly travel tips you can have before setting out into the sun!

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!

1st Stop Travel Insurance offers cheap travel insurance online for residents located in the United Kingdom (England, Scotland, Wales, Northern Ireland and the Isle of Man).

1Stop can offer cover many for pre-existing medical conditions and their friendly team are available 7 days a week to answer your questions.

Upper age limit for for 1st Stop Travel Insurance

Single trip cover is available for insured persons who are up to and including age 75 years at the time the validation certificate is issued. Annual multi-trip cover is available to people 65 years or younger at the time the validation certificate is issued.

Cover	Per person/ Per trip	Excess
Cancellation or curtailment	Up to £5,000	£75
Emergency medical expenses	Up to £10,000,000	£75
Hospital benefit	£15 per day up to £600	Nil
Personal accident	Max. Benefit £25,000	Nil
Lost baggage	Up to £1,500	£75
Personal money and documents	Up to £500	£75
Personal liability	Up to £2,000,000	£250
Delayed departure	£20 per 12 hour period Up to £300	Nil
Holiday abandonment	Up to £3,000	£75
Missed departure	Up to £1,000	£75
Catastrophe cover	Up to £1,000	£75
Mugging benefit	£40 per day up to £400	Nil
Withdrawl of services	£50 per day up to £500	Nil
Kennel/cattery fees	£20 per day up to £100	Nil
Third party supplier insolvency	Up to £2,000	£75
Overseas legal expenses	Up to £25,000	£250

Single or Multi-trip

Single Trip Policy – If you are planning a specific holiday or trip abroad get travel cover for any length holiday up to 365 days.

Multi-Trip Policy – If you are going away more than twice in one year annual travel insurance is the recommended option. An annual policy will cover you for an unlimited number of holidays up to 45 days in duration and could work out cheaper for you.

Additional Cover

1st Stop Travel Insurance also provides cover for:

• Ski Equipment
• Golf
• Wedding Cover
• Cruise Holiday Insurance

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: 21st August 2009
Cheapest travel insurance: Staysure.co.uk – GET QUOTE

• Staysure.co.uk (Single trip – Comprehensive) – £13.43
• Insure for All – £21.49
• Saga – £27.66
• Direct Travel (Silver) – £28.60
• M&S – £32.77

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.