As we get older, we have the distinct pleasure our responsibilities ease up considerably. The next step of life can be full of adventure, which is why so many seniors love to travel the world. Maybe you want to visit friends or family overseas, or perhaps you’re just long overdue to visit that dream destination.
So, what do Aussie seniors need to know about travelling the world, and how can they best protect themselves from surprise costs? The best way to do so is with travel insurance. This way, you don’t have to worry if a cancelled flight costs you in reservations at an expensive hotel, or if you’re suffer an injury on the ski slopes and require expensive medical treatment.
You shouldn’t worry about not finding cover because of your age. There are lots of travel insurers that cover Australians all the way up to 100. You may find, however, that policies have max duration limits for your trip, and that your age limits will vary depending on if you’re partaking in a trip to a single destination, or multiple.
In some cases, you may be required to get a note from your GP regarding your health status in order to purchase policies.
No matter how old you are, you can get basic, medium, and comprehensive cover. You may only need basic insurance (coverage for medical expenses, and not much else), or maybe you’re prepared to spend a little bit extra to get covered for more (e.g. certain activities, theft of belongings, etc.)
You may need to pay a little bit more for travel insurance as you get older, comparative to what those younger than you are paying.
Many people ask, “Is my pre-existing condition covered?” You’re obligated to disclose any pre-existing conditions to your insurer before you leave on your trip anyway. If you do this, your insurer can factor this into your policy (it may cost a little more), and you can get coverage for pre-existing conditions. This can be a huge weight lifted from some travellers, who don’t want to have to worry about paying for expensive medical treatment unnecessarily.
Not a senior? Find travel cover suited for who you are.