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Travel insurance for seniors

If 60 is the new 50, and 70 is the new 60, then 80 is … you get the picture.

The reality is retirees today are more fit and active than ever before. If you’ve finished full time work and have time to do the things you’ve always wanted to, you might find you’re more interested in trekking the globe than checking into bingo in soft-heel shoes.

The older you get, the more factors you need to take into account when travelling. Depending on your age, travel insurance might be available and if so, you should consider making it an important part of your plan.

Age limits for cover can vary

Some travel insurance policies, depending on the cover may have age limits or require extra information such as a medical check and the premiums may become higher as the traveller becomes older. This shouldn’t put you off however. Silver travellers are traipsing the world in increasing numbers, and this in turn has encouraged insurers to offer a range of plans suited for senior travellers. As always, the devil is in the detail so make sure you read the Product Disclosure Statement (PDS) before taking out cover.

Your pre-existing medical conditions

The main reason why travel insurance needs change as we get older is because our health needs change, so it’s vital to find out exactly what medical conditions are covered when selecting a travel insurance policy.

If you have a pre-existing medical condition, read the PDS closely to ensure you’re covered. If you have a condition that’s excluded, it doesn’t automatically mean you won’t be eligible for cover. Contact the insurer directly to discuss your condition and they may still be able to cover you, possibly for a higher premium.

It’s important that you’re upfront with your insurer about any pre-existing medical conditions. If you’re not sure if you have a condition that should be disclosed, give the insurer a call. When it comes to travel insurance, honesty is always the best policy.

If you have a change in your health between when you arranged your travel insurance and when you leave, check the PDS thoroughly to make sure you’re still covered. If you’re in any doubt, contact your insurer.

Travelling with medication

If you’re on medication, it’s a good idea to take a letter from your doctor explaining your needs in case you need medical attention while you’re away. You should also discuss your travel plans with your doctor before making any bookings.

Booked your tickets? Now’s the time to get your insurance

The best time to sort out your travel insurance is as soon as you’ve booked and paid for your trip. In some instances, you may be covered if you need to cancel or postpone your trip due to a change in health or other defined events. You should read the PDS for details of what cover is provided for cancellation under your plan.

What about taking the grandkids?

Here’s a fact you may not know – many travel insurance policies cover dependent children and grandchildren for free. There are generally certain conditions (such as they’re under 25, are named on the policy and aren’t in full time work), so if you’re thinking about spoiling the grandkids, check out the PDS to see if they’re covered.

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Things you should know

Travel Insurance is issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (trading as Allianz Global Assistance), as agent for the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz).  Westpac Banking Corporation ABN 33 007 457 141 arranges the insurance as agent of Allianz, but does not guarantee the insurance.  Policy terms, conditions, limits and exclusions apply. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDF 407KB) to see if this insurance is right for you. Call 1800 502 077.

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