Truths and Myths about Travel Insurance for over 50s

Myth 1: Can I travel without seeing a doctor first?
If you’re fit and healthy and travelling in Western Europe, you can go on holiday without seeing a doctor. However, if you have a pre-existing medical condition, are unfit, have had a major illness or had major surgery in the last 2 years you should see your doctor before travelling. Some countries recommend extra vaccinations for certain ages as well. It is staggering and shocking how many people in later life choose to go on strenuous holidays without consulting a doctor first. Be safe and book a consultation before your trip.

Myth 2: I don’t need travel insurance because my bank covers it
It is true that some banks will offer free travel coverage as an incentive to take out a savings plan or some other product. But the cover they offer is usually the most very basic available and is often totally inadequate; especially for older travelers and anyone with a pre-existing medical conditions. Avoid the common trap of thinking this insurance covers you.

Myth 3: I have travel cover with my tour group/holiday operator
Many tour operators “travel insurance” is really only “trip insurance”. It covers your loss if anything stops the holiday occurring, if there are any unscheduled delays or if the trip has to be postponed or rescheduled. This kind of cover is not the same as actual travel insurance and should not be treated as such.

Myth 4: I can’t get travel insurance because I have a pre-existing health condition
If this were the case, then insurance companies would never be able to offer travel insurance to nearly everybody over 50. Pre-existing conditions do not mean you cannot have insurance, they also do not automatically mean that you will have to pay a higher premium. This depends on the severity of your pre-existing condition, but if the insurance company considers it is a greater risk to insure you to travel and therefore charge a little extra, then you really not take the chance of going on holiday without proper medical coverage. If they think it is a risk so should you.

Myth 5: I am holidaying in the UK, so there is no need for insurance
If you get sick, no matter what the circumstances, you can go to an NHS hospital. But travel insurance is not just about health, it also protects you if you have to cancel the holiday, if your camera is stolen or if your partner falls sick, and you have to cut your holiday short and so much more. 

The eternal myth: You can travel abroad without adequate travel insurance
You of course CAN travel without adequate cover, but the truth is you’d be crazy to do so. The costs of medical care around the world can be astronomical and there is no substitute for peace of mind and the knowledge that, should the need arise, you are adequately covered and protected.

For more information on travel insurance for the over 50s and tailored policies for those with pre-existing medical conditions, why not visit Staysure Specialist Travel Insurance.

449 people found this helpful
17146

Share Article:

Silver Travel Advisor

Leave a comment

*

Sign up to our newsletter to receive the latest travel tips on top destinations.

Join the club

Become a member to receive exclusive benefits

Our community is the heart of Silver Travel Advisor, we love nothing more than sharing ideas, inspiration, hints and tips between us.

Most Recent Articles

Hidden gems await among the islands of the Caribbean Sea, secluded spots that are off the beaten track and offer…
Rich in exotic wildlife, tropical forests, white-sand beaches and lost civilisations, Belize really is a diverse pocket of overlooked beauty….

Come feel the love on a Princess cruise. You’ll enjoy the MedallionClass experience others simply can’t, and it’s exclusively for everyone. Visit incredible destinations and be involved in the best experiences around each one of them.

Experience more with Princess and connect effortlessly with the world around you, spend time away with loved ones, take a moment for yourself, and fall in love with your holiday of a lifetime, every time.

With over 20 years of experience, Wendy Wu Tours has mastered the art of creating exceptional, fully inclusive tours which showcase the very best of each destination.

Each tour is led by a world-class guide, who will highlight the very best of their homeland, and includes authentic cultural experiences so you are not just seeing the sights, but truly immersing yourself in local life.

Say hello to ease at sea. Ambassador’s purpose is simple: they want to inspire every guest to experience authentic cruising, effortlessly and sustainably. Passionate about protecting our oceans and destinations, their ships comply with the highest industry emission standards and there is no single-use plastic on board.

On your voyage, you will receive the warmest of welcomes from the Ambassador community as you sail upon the friendliest ships afloat.

This is a global co-operative co-owned by local partners using real local experts and guides, which supports local communities, environments and wildlife. It offers travellers quirky places to stay, activity holidays and learning experiences. Not In The Guidebooks gets travellers off the beaten track into local culture with day experiences and longer, immersive adventures.

From wild wellness breaks in Wales to painting in Portugal, sustainable adventures in Mauritius to food safaris in Brazil, this is immersive, exciting travel.

Seabourn’s five intimate ships carry guests to the heart of great cities, exclusive yacht harbours and secluded coves around the world, while two new purpose-built expedition ships will combine exhilarating adventures in remote destinations with the sophisticated amenities of the world’s finest resorts at sea.

From the luxury of all suite accommodations to complimentary fine wines and spirits, and a no tipping policy, Seabourn exemplifies the definition of travelling well.