Getting insurance cover for over 80s can be a challenge because there are very few providers who offer cover for senior citizens in this age group, and those that do are often very expensive. That’s mainly because to them, senior travellers over the age of 79 come with compounded risks like being the likeliest to make a claim or that you’ll require higher medical expenses or have to cancel due to declining health.
On the other hand, travelling without insurance is not a good idea either, because it’ll place you in a financially compromised position if something does happen during your trip. The best thing you can do is to invest some of your time in doing research about different insurance brands that provide cover for seniors, and compare the cost and benefits of each.
Many senior travelers are prone to suffer from health conditions like cancer or a heart condition, which can make it very difficult to find cover because most standard policies don’t include pre-existing conditions in their cover. While it might seem tempting, you shouldn’t omit details about your pre-existing conditionin order to get a more affordable premium, because this might cost you dearly in the long run.
The good news is that there are a few insurance brands that cater to older travellers, specifically those with pre-existing conditions. They start by examining your medical history as well as your claims history, and then will tailor your premium according to those factors.
Some insurance providers offer very competitive multi-trip premiums for seniors over 80s, especially because most people over 80s have the freedom to travel for longer periods of time to different destinations a year. That said, you might need to do some digging in order to find insurance providers that offer multi-trip annual policies for over 80s because they are far and few in between. Sometimes the best way to cut costs is to base your multi-trip policy on one continent (like Europe or North America) instead of making it a worldwide multi-trip policy.
Instead of relying on your travel agent to include your travel insurance in the holiday package, do your own research to make sure that the cover matches your needs. Also, don’t be shy to get quotes from multiple insurers that cater to over 80s, and read the fine print on anything you find online to ensure that it’s the right cover for you.