Age Concern Travel Insurance

If you’re over the age of 65 and you’re going to be traveling, you need Age Concern travel insurance.

Life after retirement can be anything you want it to be; you have lots of opportunities to do whatever you want, and with more free time (and less responsibility) than ever before, life after retirement can be, as they say, “a blast.” With the right preparation and planning, you can truly have fun and do whatever you want to, whenever you want to. For many people, that means they’ve got plenty of time to travel to wherever they want to go, whether it be an extended vacation to Europe or a white water rafting adventure in the wilderness.

If you plan to travel abroad, however, you need Age Concern travel insurance. This insurance is necessary in case you have a medical emergency while you’re traveling, lose your baggage and need to replace items, or if a trip is delayed or canceled for any reason.

What many people are unaware of is that as you get older, it’s more difficult to find travel insurance. Older travelers in general have more frequent and costly medical conditions than younger travelers do, which makes them more difficult to cover. It’s even more important that you have this type of insurance if you’re going to do something that may be considered risky, like skydiving or skiing – but again, it can be difficult to find travel insurance then, too, especially if you’re older.

This is where Age Concern travel insurance comes in. Because more older people are traveling, insurance companies today are offering these specialized plans specifically geared toward older travelers.

What type of coverage can you expect with this insurance?

The type of coverage you need and can get will depend on the type of traveling you’re doing, and on your own particular needs. The policy you get should include coverage for the following, however:

· Baggage that is lost or damaged
· Legal expenses
· Expenses related to sickness, injury or death
· Coverage for a lost or stolen passport
· Coverage in the event a trip has been delayed or canceled
· Medical expenses

Your necessary Age Concern travel insurance will also depend on the type of activities you’ll be doing while on your trip. If you are just going to be sightseeing, you can usually opt for a more general plan. However, if you are going to be undertaking particularly adventurous activities like mountain climbing, skiing, sailing, white water rafting, etc., you will need to make sure the Age Concern travel insurance you purchase will cover these specialized risks.

Specific “older traveler” concerns

Older travelers are much more likely to have pre-existing medical conditions, like high blood pressure, diabetes, and arthritis. If you are an older traveler and you have one or more of these conditions, make sure the Age Concern travel insurance you choose will cover problems related to these pre-existing conditions so that you can get treatment for them if you need to.

You will also need to make note of any special equipment you use, like oxygen tanks, walkers or wheelchairs, things you need for your mobility and even survival. The insurance you choose should cover these items in the event they get lost, stolen or damaged, so that you can have them quickly and easily replaced or repaired as needed.

Other considerations

The amount and type of this travel insurance you purchase will also depend on how long you plan to be gone and how frequently you intend to travel. For example, you may be able to find a single trip travel insurance plan that will only cover the exact dates of one trip if that is all of the traveling you intend on doing. However, if you’re going to be traveling often, it may be a better idea to buy an annual Age Concern travel insurance plan; for this, you pay an ongoing fee, but you are insured to travel at any time whenever you are ready to go.

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