Finding The Best Holiday Insurance For Elderly People
Most of us work hard all our lives so that we can enjoy the benefits which come with having sufficient funds to live life to the fullest. This includes the ability to go on holiday even when we retire. The only problem with this is that just as you have the time and the means to enjoy your holidays, you will find it difficult to get holiday insurance. Many companies will not provide holiday insurance for elderly people, and if they do, the premium will be very high.
Different companies have different upper age limits, with some stopping at 50, some at 60, others at 70 and there are only a few selected companies which will provide holiday insurance for elderly people over 85 years of age. As you get older, the holiday insurance you can get will in large depend on your medical needs and upon any problems you may already have. Some of these pre-existing medical conditions include; diabetes, angina, arthritis, asthma, cancer, heart conditions, high blood pressure, high cholesterol, epilepsy, and stroke. It is essential that you tell the company about any medical conditions before you sign because failure to do so may nullify your policy.
When you are looking around for holiday insurance for elderly people, indeed when you are looking around for holiday insurance for anyone, you need to get a few quotes from different companies and then compare them to get the best deal. Keep in mind that the cheapest is not always the best and that you need to check the details as to what is covered and any hidden costs which may not be apparent at first glance.
Quotes will depend on your age, your disability and any medical conditions which you may have. It is true that most claims are made by the over 85s but this does not mean that they should not be allowed to travel. These people have spent their life working and providing for their families and this is now the time for them to relax and spend some of their hard earned money on themselves. Research also shows that the older generation are now travelling a lot more, and for longer periods of time, than those who are younger and have less time and disposable income. It is for this reason that many new insurance companies have realised the gap in the market and are now providing holiday insurance for elderly people as well as holiday insurance for the younger people.
Holiday insurance for elderly people is even more important than holiday insurance for others, since there are more chances that they will need medical assistance, and that they may fall ill. There are all sorts of things which can happen, from having a car accident whilst travelling from the airport, to getting injured by the animals in the safari park which you have chosen to visit. There are also things like delays of flights and falling down as you are running to catch your flight!
by: Simon Morris