You’ve chosen where you would like to go for your holiday and you’re already imagining yourself lying on a a hot, sunny beach. But are you a senior traveler and have you arranged your senior travel insurance?

If you’re an over 64 year old traveler you can often run into problems when trying to find travel insurance. Many insurance providers are less keen to offer travel insurance to people over the age of 64 for a number of reasons. They obviously don’t want to take unnecessary risks. Ideally, they will sell their travel insurance policies and no one will actually make a claim on them. But senior travelers mean additional risks for insurers due to possibly failing health, pre-existing medical conditions and the effects of aging.

So if you are a senior traveler what can you do? The most important thing is not to leave it til the last minute. Start to look around for your travel insurance cover as soon as possible. The longer you leave it the harder it will be to find the policy that you need.

Start with your existing insurance provider. If you already have life insurance cover or maybe health insurance then approach your provider and ask about their senior travel insurance policies. And if you have a pre-existing medical condition find out if they provide pre-existing medical condition travel insurance.

It is always a good idea to shop around. Even if you are provided with quotes from your current insurance provider take the figures and look around for a cheaper alternative. There are some specialist senior insurance providers who are likely to be able to beat the prices that have been quoted from other insurers.

Once you have found a policy and provider that you are happy with why not consider purchasing multi-trip travel insurance. Save yourself time and aggravation by taking out a multi-trip travel insurance policy that will cover your next holiday as well.

Whatever you do, always be honest and open with your prospective travel insurance provider. Never lie about your age and always disclose full details of your health and medical condition when applying for a policy. And be sure to have a fantastic holiday.

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