Travel Insurance Hints for Seniors and Pre-Existing Medical Conditions

If you suffer from a pre-existing medical condition or are over the age of 60, you may be worried about finding a travel insurance policy to meet your unique needs.However, your health or your age shouldn’t keep you from enjoying a trip abroad – there are more choices than ever before when it comes to tailored holiday insurance policies. Although you may have to do a bit more homework in the planning stages of your trip, there is bound to be an insurance product that is right for you.If you suffer from a pre-existing medical condition, your first step should be to ensure you have a European Health Insurance Card (EHIC) before you set off on your travels to Switzerland or EEA member countries. This card ensures you can get the necessary medical care you need while you are abroad – such as kidney dialysis.However, as the EHIC scheme only covers issues that are only ordinarily covered under your visited country’s statutory healthcare system, it is also important to take out comprehensive travel insurance to cover any emergencies that may arise.In order to get the best possible policy for you, it is essential that you are honest with your insurer about any pre-existing conditions you may have – you might be surprised to find that many policies already include provisions for those suffering from asthma, epilepsy, osteoporosis or allergies. Or if they don’t, you may be able to add these to your insurance for a small fee – this is still a much cheaper alternative than facing an international hospital bill should an emergency occur.If you are a senior, you’ll also want to investigate your travel insurance options before you set off. Some providers offer better coverage for older people on their single-trip policies than on annual ones – in some cases, you can qualify for insurance until you have reached the age of85.The internet is a great place to start when it comes to investigating your travel insurance options – you can find great deals with the click of a button. However, if you have unique requirements such as age or pre-existing medical conditions, it is essential that you discuss these with your insurer before committing to a purchase – sometimes the lowest-priced deals don’t offer the best cover for you.Speaking to your insurer can set your mind at ease before you travel and ensure you have the correct level of coverage to meet your needs – helping you to have an enjoyable and safe holiday.