They say that age is just a number, right? So, who says that travelling over the age of 80 is impossible. In fact, seniors over 80 can enjoy travelling possibly more than younger travelers, because they get to travel without the hassle of kids in tow, carrying heavy luggage (this is generally done for them), or waiting in long queues (chivalry does exist).
The hassle for senior travelers is when they start looking for seniors over 80 travel insurance. Some insurers do offer cover for any age or up to a certain age limit, while others don’t offer cover for seniors over 80 at all. But travelling over the age of 80 is still possible, and while your insurance options may be limited, you will still be able to find an insurer that can offer you the cover you need.
The tide turns quickly and there are many reasons why a senior over 80 needs travel insurance :-
- Medical assistance or hospitalisation
- Medical evacuations or repatriation
- Trip delays or cancellations
- Loss or damage of luggage
- Loss or damage of personal belongings and travel documents
- Flight delays or cancellations
- Theft of cash
- Personal liability or accidental death
Tips for seniors over 80 looking for travel insurance
Disclose all pre-existing medical conditions: The key is honesty, if your insurer doesn’t know about your medical conditions, they cannot offer you the right cover for your needs. They will need to properly assess your health status before providing you with travel insurance.
Compare policies: You should always compare insurance quotes before settling with one. You will first need to find a few insurers that will cover seniors’ overs 80, and then compare quotes between those insurers to find the best option for your needs and budget.
Get clearance from your doctor: You will need to be medically examined by your doctor to check if you are healthy enough for travelling. If you’re travelling for health reasons to receive medical treatment elsewhere, you will most likely need to carry a letter from your referring doctor to state your reasons for travelling. You might also need a letter in certain countries from your doctor, to say that you are fit for travel.
Read the PDS: Before you settle with an insurance provider, it is advisable to read the Product Disclosure Statement (PDS) for that insurer to find out what benefits they offer and what you are covered for as a senior traveler.
Don’t do too much: You can reduce the costs of your travel insurance by not planning too many high-risk or adventurous activities on your holiday or trip. You are a senior, so choosing relaxing activities is probably more suitable for your lifestyle. This will also reduce the risk of any accidents or health issues taking place.
Have emergency numbers at hand: It is advisable to carry as many contact details with you on your travels, in case of an emergency. These could include friends and family details, your travel insurers contact details, your doctor, and emergency services for the country you are visiting. This will help any potential strangers to assist you in getting the help you need if you are in an emergency.
Now lets go have a awesome holiday with the grandkids.
We also offer travel insurance for students.