We all hope that our trips abroad go smoothly, but sometimes, this isn’t the case. This is where travel insurance steps in, covering the unexpected: illness, cancelled flights, and lost luggage.

In this guide, we’ll explore how to find the right over 80s travel insurance for your needs, and what it can cover for you.

 

Why Do You Need Travel Insurance For Over 80s?

Retirement is a fresh chance to explore the world and all that it offers. Travel insurance can be seen as a hurdle to jump to be able to travel, rather than what it actually is: a valuable tool to protect you from unexpected events.

Here’s what travel insurance can cover:

  • Emergency medical costs if you should fall ill or have an accident on holiday, including procedures, tests, and medicine you may need.
  • Lost or stolen luggage.
  • Travel delays or disruption, for example those caused by extreme weather.
  • Last-minute cancellation due to illness or external circumstances.

No matter how well organised we are, we can’t predict everything that will happen while we’re away. Although it can be tempting to skip travel insurance just this once, you may find yourself having to pay out of your own pocket to replace lost luggage, cover pricey medical bills, or rebook essential flights due to cancellations. 

 

Finding The Right Holiday Insurance For Older Travellers

So, how do you go about finding the right holiday insurance as an older traveller? Here are some of our essential tips below:

Consider Your Destination

Where you want to go on your trip is a big consideration when looking for holiday insurance. Some locations, such as America, Canada, and Mexico, can carry higher travel insurance premiums due to the higher cost of medical care in those countries. 

Plus, if you’re heading to Australia or New Zealand and have a medical emergency, the cost of repatriation (bringing you home) can cost much more than from a closer European country. 

This shouldn’t deter you from booking your dream trip to the rolling hills of New Zealand or the mountains of America – but keep it in mind when reviewing your insurance options.

Compare Annual And Single Trip Insurance

When finding travel insurance for over 80s from the UK, be sure to compare both annual policies and single-trip policies. Annual travel insurance policies are great options if you’re taking two or more trips within a 12-month period, whereas single-trip insurance is more cost-effective if you’re just taking the single trip.

Something to consider is that annual trip insurance can also cover domestic trips, so if you’re planning a staycation as well as a trip abroad, be sure to look into annual trip insurance. 

Review Coverage For Medical Expenses

As we age, medical conditions grow more common, and so does the risk of something unexpected happening while we’re on holiday. When finding the right holiday insurance for older travellers, review the amount of coverage you get if you should fall ill abroad. 

Different policies can have different levels of cover, so compare a few policies and review the amount of coverage they provide. 

For those with pre-existing medical conditions, always disclose your conditions when searching for a policy. If you don’t and then suffer a medical emergency on holiday, your insurance may not cover you, leaving you to handle expensive medical bills.

 

Secure Your Policy Today With Brunel Insurance For People

Don’t let unexpected events ruin your trip – with holiday insurance for older travellers in place, you can explore the world worry-free. 

Brunel Insurance For People work with you to find the most comprehensive insurance solution for your needs. No matter where you’re going, our insurance experts can help make sure you’re covered.

Get in touch with us today on 0333 188 11 11, or click here for a quote.