What Every Senior Traveller Should Consider Before Take-off
Travelling is a wonderful thing - it enables us to have that special thing to look forward to, explore the unknown and create memories that will last a lifetime. Travelling is becoming increasingly popular for seniors due to the reality of retirement*. For this reason, InsureandGo have come up with a list of things that the senior traveller should consider before take-off.
When purchasing travel insurance, here are some tips to ensure you travel with peace-of-mind:
1. The Benefits Of Buying Travel Insurance Early
The moment you book your holiday is the time you should buy travel insurance, just in case the unexpected occurs before you are set to leave and you have to cancel your trip. Not all travel insurance products cover cancellations, so always read the Product Disclosure Statement (PDS) and get an understanding of what scenarios are covered under cancellations and the limits.
2. Age is just a number
When considering travel insurance, always ensure that your age bracket is covered and be aware of what exclusions may apply.
3. Don't forget to declare any pre-existing medical conditions
It is vital that you disclose all pre-existing medical conditions when purchasing your policy and also let your travel insurer know if you are waiting on any test results or treatments/surgery. This will ensure that in the circumstance anything related to your medical condition occurs when you are overseas, you will be covered. Please note that some pre-existing medical conditions are covered automatically, others can be covered at an additional premium and at times your condition may be rejected.
If you are looking for a quick sign up process, InsureandGo do not require medical certificates or paperwork from you when purchasing a policy. All you are required to do is complete a questionnaire online or via the phone for a pre-medical screening assessment. This makes purchasing your travel insurance policy easy and hassle-free.
4. Know your itinerary back-to-front:
This simple but often over-looked tip applies to every traveller of any age – destination. You need to ensure that your travel insurance covers you for all countries/destinations that you will be travelling to. Keep in mind that if you are going on a cruise or tour, your destinations include any place that you stop or dock at, even temporarily.
5. Are you an adventurous traveller?
If you are more the adventurous kind, always check that the activities and complementing equipment you require are covered in your travel insurance policy. Some activities are excluded and others are optional for an extra premium, so always read your Product Disclosure Statement to ensure your travel insurance is the right fit for you.
It is essential that you understand all conditions and exclusions in your policy. Most importantly, read the Product Disclosure Statement and make sure the policy you are purchasing is right for you.
Your routine changes when travelling but unfortunately, your medication cannot. Always ensure that no matter what time zone you are in, your medication is taken at the same time as if you were at home. There are applications available in the marketplace that can assist with this or you can simply maintain the time at home on your mobile device.
We also highly recommend that you visit your doctor before making any holiday plans, just to ensure everything is okay before going away.
Who are we?
InsureandGo is one of the world's largest online travel insurance companies and globally covers over 1.6 million travellers every year. In Australia, InsureandGo is the 2015 CANSTAR award-winner for 'Outstanding Value' for their international travel insurance product. InsureandGo specialise in a number of policies to cover different types of holidays including Cruise, Seniors and family travel insurance, plus all medical conditions are considered. For further information on InsureandGo's award winning travel insurance policies, please visit www.insureandgo.com.au.
* Tourism Research Australia 2015 (unpublished data)
Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, issues InsureandGo Travel Insurance (the insurance). Please read the combined product disclosure statement and financial services guide available at www.insureandgo.com.au/policy-wordings.html to decide if the insurance is right for you.