Travel insurance and the mature adventurer
After a life of hard work and the trials and tribulations of bringing up a family, many older people take the opportunity of their retirement to go on holiday or embark on a world trek.
An important question that often crosses people’s minds is whether their age and state of health militate against them when trying to get travel insurance. The short answer is “no” but careful research should be applied. A quick internet search will reveal that there are many insurance companies that have tapped into this age group and have designed specific insurance schemes that should cover all possibilities. Research is vital, as terms and conditions do vary from company to company as do premiums.
Essentially, anyone who has a pre-existing medical condition, be it high blood pressure or diabetes, must inform their insurance provider of these conditions; otherwise the travel insurance will not be valid. A doctor’s letter is always a good idea, as well as a list of medications so if there is an accident or healthcare problems do arise the local medical services will be able to help the traveller. It is always a good idea to inform travel companions of any health problems as they might be able to liaise for you should the need arise.
For those of a more adventurous nature, Himalayan trekking or rafting in the Amazon being just two examples, there are many travel companies that cater specifically for the more mature traveller and can advise on the appropriate travel insurance. The 1960s ‘Baby Boomers’ have come of age and quite rightly wish to enjoy their well-earned free time and most of the major travel insurance providers will be able to help them in this aim.