Finding the right travel insurance can be a challenge for the over 65s, however, as much of the insurance industry shies away from cover for this age group.

The good news, however, is that some companies welcome older policy holders, and some cater especially to the senior market. You can find the right travel insurance for your retirement dreams – you just need to understand what you're looking for.

What type of travel insurance policy do you need?

If your holiday is for less than 30 days, and you're only planning to go once or twice a year, then a single
Trip policy is probably the most cost effective for you. If you're planning on taking more than 2 trips a year, a multi-trip travel insurance policy is more likely to fit the bill. Annual policies are also available which will cover you for an unlimited number of trips per year - but most restrict each individual journey to 30 days or less. If you're going away for more than 30 days, you should look for long stay travel insurance.
If you're going to retire abroad, look for an expatriate travel policy which will address your unique needs as you settle into your new life.

Websites such as Traveler Friendly Insurance offer a range of Patriot Travel Medical Insurance plans and policies to cater to any length of trip or combination of trips.

What to look for in your travel insurance policy?

All travel insurance policies for the over 65s will include the standard kind of cover you've had on every other holiday earlier in life - but you should pay particular attention to the level of travel health insurance cover available. Emergency repatriation cover is essential; should something happen, the costs of getting you back safely to the UK can be astronomical.

Ensure that you are covered for any pre-existing conditions. This may push the price up, but it will be worth it for your peace of mind. Don't be tempted to lie about your standard of health, as this will invalidate your policy if the worst should happen.
Look for a policy with a 24 hour helpline, to ensure that you don't need to panic if anything goes wrong.
Do you need cover for loss of medication, or for mobility aids?

Don't be tempted to skimp on cover

If you're travelling within Europe, the free EHIC card will entitle you to free or reduced cost health treatment in most European countries, but it does not cover repatriation costs, and should not replace proper travel health insurance. Although travel insurance for the over 65s can be expensive, it's simply a must-have if you're to enjoy your retirement travels. The costs of dealing with an illness, accident or emergency without it would be huge. There's not only the financial cost to consider - a repatriation from the US, for instance, can cost around £60,000 - but the stress and anxiety too. So don't skimp on your travel insurance cover - but do go ahead and enjoy the trip of a lifetime.

Contact Info:
855-765-6555
[email protected]
http://www.travelerfriendlyinsurance.com