Don’t Worry, Be Happy, Everything Is Covered
One of the joys of retirement is time. Those with the money to do so can think about visiting the places that they have only previously seen in films and documentaries. Airlines can fly you anywhere in the world. Many people may have relations on the other side of the world. Some may want a trip of a lifetime to exotic places that have been the location for Hollywood films.
There are plans to put in place long before your intended departure date and they must include insurance. You should think about the cover you require and find an insurer that best meets your needs.
If you have medical problems, you will have to provide your insurer with all the details. There will be a series of questions that must be answered accurately and comprehensively. Any failure to do so may invalidate any future claim. Your insurance for the holiday will certainly cover emergencies that arise, but it is not the same thing as medical insurance.
Senior travel insurance is a specialist market, but a good provider will always look to put a smile on your face. Insurance simply makes sense. There is no intention to scare you. It is simply that there are things that can go wrong. It may revolve around your travel arrangements, your belongings, or medical emergencies.
Cost is dependent on individual circumstances. You may want to agree to an increased excess to reduce the premium, but similarly you may decide that you want no excess and are prepared to pay extra for that. It is up to you.
The whole process can be done online if you so wish. An insurer will want all your personal details and those medical questions answering. After that it is the specific decisions on things like the excess that will decide your premium. There will be a policy document provided with the cover. The following should be standard:
- Compensation for cancellation of the holiday or trips you have pre booked
- Expenses if your carer becomes ill
- Compensation for the early termination of your holiday
- Delay and departure problems
- Medical expenses as specified
- Personal accident
- Theft, loss and damage.
These are all broad subjects and if you have any doubts you should ask. There is always someone on the end of a telephone happy to help.
Tell the insurer
If you are going on a particularly active holiday, you should provide the details. Winter sports are popular with all age groups but sometimes your holiday can be interrupted. That may be because of local conditions. You must discuss this type of holiday with your insurer. You will not have specific cover if you are traveling on a standard annual policy. That is not to say that most things cannot be covered by a dedicated winter sports policy.
There are people only too happy to help and put a smile on your face. That smile comes with peace of mind. If you get the right insurer, you will certainly have that.