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Age should never be a barrier to exploring the world, and that's especially true for our senior adventurers. With the right planning and preparation, seniors can embark on ageless explorations filled with new experiences, cultures, and memories. One crucial aspect of this preparation is securing travel insurance.
Understanding Your Coverage Needs
Before delving into the specifics of travel insurance, it's essential to understand your coverage needs. Seniors may have unique health considerations, such as pre-existing medical conditions or the need for trip cancellation coverage due to unforeseen health issues. Take stock of your requirements to ensure your policy adequately addresses them. Some travel insurance providers such as InsureandGo, consider all pre-existing medical conditions for possible coverage.
Choosing a Policy with Health in Mind
Health is a primary concern for senior travellers, so look for insurance policies that offer comprehensive medical coverage. Evaluate the coverage for emergency medical expenses, including hospitalization, doctor's fees, and medical evacuation. For instance, InsureandGo cover unlimited overseas medical expenses.
Age Limits
Some insurance providers impose age limits on their policies. While this can be a hurdle for senior travellers, many companies offer policies specifically designed for older adults. Research and compare these options to find one that fits your age group and offers suitable coverage.
InsureandGo, for example, provide one-trip cover for up to 100 years of age, and their cruise policies cover up to 79 years of age (silver and gold policies).
Travel Assistance and Emergency Services
Travel insurance is not just about financial protection; it can also provide essential support during your journey. Seek policies that offer 24/7 travel assistance and emergency services.
Travel insurance provider InsureandGo is a part of the Europ Assistance Group that has a global presence in more than 200 countries and provide 24 hour emergency assistance.
Coverage for Travel Companions
If you're traveling with a spouse or friend, consider policies that provide coverage for your travel companions as well. This ensures that everyone in your group has adequate protection for your adventure together. Some travel insurance providers, such as InsureandGo, provide free coverage for children up to the age of 18 when travelling with parents or grandparents**.
Trip Cancellation and Interruption
Seniors often plan their travels meticulously, but unforeseen circumstances can still lead to trip cancellations or interruptions. Look for policies that offer robust trip cancellation and interruption coverage. Consider polices that also offer COVID-19 travel insurance benefits in case you are diagnosed with COVID-19, and you need to amend your trip. InsureandGo’s silver and gold policies include coverage for Covid-19*.
Taking out travel insurance should not be a daunting experience. If you need help understanding how travel insurance works, make sure to read the Product Disclosure Statement (PDS) or contact the travel insurance provider before you buy to understand your options.
If you’re looking to purchase a policy, InsureandGo are offering a 15% discount on premiums for Seniors Card SA members. Use the code SENSA15 in the promotional box at https://www.insureandgo.com.au or call 1300 401 177.
Mitsui Sumitomo Insurance Company, Limited ABN 49 000 525 637, AFSL 240816, issues InsureandGo Travel Insurance (the insurance). For full details of the benefits, terms and conditions and exclusions that may apply please read the Product Disclosure Statement, Target Market Determination (TMD) and Financial Services Guide available on our website at https://www.insureandgo.com.au/ to decide if the insurance is right for you. Mitsui Sumitomo Insurance has appointed Europ Assistance Australia Pty Ltd, ACN 140 219 594 as its Authorised Representative (AR Number 424825) to deal with this insurance product.
If you take out a Travel Insurance policy with InsureandGo as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as InsureandGo) may pay us a referral fee.
*Check full Covid-19 benefits here.
**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.