Lower age of travellers increases need for insurance, claims Post Office Money News
24.08.11
Comprehensive travel insurance for families going on holiday is increasingly vital, according to the Post Office.
The development of international travel over the last 50 years has increased the likelihood of children flying ever-more long distances to exotic regions as well as impacting on the way in which holidaymakers prepare for their getaways, with insurance policies now a key part of family preparations.
Head of travel insurance at the Post Office Sarah Munro explained that travel is never without risk and it is therefore "understandable that parents [worried] about all the 'what ifs' when going abroad".
She added: "Travel insurance is essential to ensure you and your family have the best protection if something does go wrong."
With many students planning a gap year at this time, financial research company Defaqto advised young people to carefully research the terms of the travel insurance policies available to them, as they
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If you suffer from a pre-existing medical condition or are over the age of 60, you may be worried about finding a travel insurance policy to meet your unique needs.
However, your health or your age shouldn’t keep you from enjoying a trip abroad – there are more choices than ever before when it comes to tailored holiday insurance policies. Although you may have to do a bit more homework in the planning stages of your trip, there is bound to be an insurance product that is right for you.
If you suffer from a pre-existing medical condition, your first step should be to ensure you have a European Health Insurance Card (EHIC) before you set off on your travels to Switzerland or EEA member countries. This card ensures you can get the necessary medical care you need while you are abroad – such as kidney dialysis.
However, as the EHIC scheme only covers issues that are only ordinarily covered under your visited country’s statutory healthcare system, it is also important to take out comprehensive travel insurance to cover any emergencies that may arise.
In order to get the best possible policy for you, it is essential that you are honest with your insurer about any pre-existing conditions you may have – you might be surprised to find that many policies already include provisions for those suffering from asthma, epilepsy, osteoporosis or allergies. Or if they don’t, you may be able to add these to your insurance for a small fee – this is still a much cheaper alternative than facing an international hospital bill should an emergency occur.
If you are a senior, you’ll also want to investigate your travel insurance options before you set off. Some providers offer better coverage for older people on their single-trip policies than on annual ones – in some cases, you can qualify for insurance until you have reached the age of85.
