The world is changing for senior citizens
People are living longer than ever in the UK , and there’s facts to prove it. A recent study found that senior citizens make up 17.7% of the population, and according to the WHO, by 2050 seniors will outnumber children in the global population.
Of course getting older doesn’t stop you enjoying a holiday, but travelling in your later years does bring new considerations. You’re thinking about where to go, but you also want to make sure that any health concerns are fully covered. You may even have pre-existing medical conditions. If so, AllClear can help, with our fully comprehensive travel insurance for seniors. We’re the experts in specialist cover for your medical conditions, and this article will guide you on how to find the best policy for your needs.
The main benefits of cover
You have the freedom to select a policy that suits you. Here are the main benefits on offer*:
- All medical conditions considered
- 24-hour medical emergency helpline
- Medical emergency expenses of up to £15,000,000
- Up to £1,000 Medical inconvenience benefit for when you are in hospital as an in-patient
- No age limit
- Cancellation cover of up to £5,000
- Personal belongings cover of up to £5,000
*Providers will vary in their levels of cover – so please check the policy wording before you buy a policy.
All of these figures are per person and per trip.
Senior citizen travel insurance: Pre existing medical conditions
Pre-existing medical conditions we have covered include:
- High blood pressure
- Heart conditions
- Respiratory illnesses
AllClear believes that everyone deserves the right to travel. Even if you been diagnosed with a terminal prognosis, we would be happy to offer you a quote.
Things to pay attention to as a senior traveller
A VisitBritain tourism study found common reasons senior citizens choose their holidays. Places with landmarks are important, for example. While others enjoy destinations with fewer crowds. You’ll have your own travel preferences of course, but we’ve put together some of the considerations you should make when planning your holiday
Pre-existing medical conditions
Visit your doctor before your trip, and ask them to confirm exactly what medical conditions are on your record. Doing so will help make sure in the event of a claim your cover is correct and proper.
The length of your holiday
Check the number of days you can travel per trip if you have an annual multi-trip policy. Cover may not apply if you go over the set limit. A single plan offers cover for one shorter trip. An annual plan provides cover for multiple trips. Save money. Choose the policy that is right for your travel needs!
Adding your travel companions
If you’re travelling with spouses, children or grandchildren, read the details of your plan carefully to determine if it fits your family needs. If they have their own travel insurance provider, they are not automatically covered for cancellation or curtailment if something happens to you. We have the optional extra Travelling Companion cover for this circumstance.
If you are going on a cruise, you may want to consider specialist cruise travel insurance. This insurance should cover extra areas like Missed Port Departure and Cabin Confinement.
Frequently asked questions
Are you covered for cancellation if someone else in your group has to go home early?
Yes, you are covered for cancellation of any other travelling member who is listed on your travel insurance policy.
What if you have life insurance? Do you still need senior citizen travel insurance?
Yes. Life insurance is quite different from travel insurance. You will need travel insurance to cover you for medical emergencies abroad or any cancellation costs.
You want to travel with your family. Can they join the same policy as you?
Yes. We offer policies to children, teens and adults. You can include them in your quote by selecting the option to quote for a ‘Family’ or ‘Group’ during the quote process. You can even add them on after you buy your policy by contacting our Customer Care Team on 01708 339029.
Should you get a single trip or annual multi-trip policy?
This depends on your travelling plans. A single trip is better if you only plan to go on one holiday in the next 12 months. However an annual multi-trip policy can cover you for any number of trips in the next year and as such can work out cheaper.
Is your medication covered if it is lost or stolen?
Yes, on every single policy.
Are there any age limits on getting cover?
We’re proud to have no upper age limit on offering you a quote, and you’ll only be shown policies that can cover you in full.
There is however an age limit to getting covered for Winter Sports, which is up to the age of 76.