January is the time when many of us start thinking about going away and the travel press start bombarding us with holiday advertising. From a once in a lifetime cruise or a short break in search of winter sun, in the dark cold days of winter, a holiday is just the thing to look forward to and making plans is a good way to brighten us up.
Wherever you plan to go make sure your travel insurance is up to the job. You need to think very carefully about your insurance: where ever you are planning to go, home or abroad, it is vital to consider what cover you are going to need for any eventuality.
As we get older and our bodies are more susceptible to breakdown it is worth exploring all the options as especially if we are leaving the UK, medical care is usually very expensive. So getting the right cover and including any existing medical conditions is very important.
You may well be offered insurance when you book your holiday but unless you look very carefully and ask all the right questions you may find that what you have been sold is worthless.
A claim on your travel insurance for someone over the ages of 65 can be as much as three and a half times more expensive than one made by a person under 50.
If you are under 65 than that is good news as most travel insurers tend to have on price band for travellers ages 18 to 64 – but once you hit the age of 65 then you can expect your premiums to start to rise and each insurer will have different criteria once you pass this age.
Wherever you are going and for however long you will need to make sure you have the following cover for:-
- Personal Liability
- Emergency
- Cancellation and curtailment
- Delay
- Medical
- Pre-existing medical conditions
- Baggage and belongings
- Cash
- Strikes
- Catastrophe
These differ with every policy and provider but make sure you cover all these eventualities and you never know what is going to happen. Who would have thought that the skies over Europe would have been blocked by the ash from a volcano in Iceland a few years ago?
It is also worth researching insurance cover for all the members of your group if you are going with other people or family. There are good deals to be had and the specialist policies for the over 60s can also include younger family members.
Taking out travel insurance is an absolutely essential part of your holiday planning and often it seems that we are more concerned with which shoes to pack than what cover we have in case our luggage goes missing.
While looking forward to a holiday is a large part of the pleasure take a moment to think of the worse things that can go wrong and then make sure you have them covered: and then forget about them.
I am sure at some time or another we have read or watched the sad and distressing tales of other people’s holiday misfortunes. There have been several consumer television programmes made about holiday disasters and in most cases the insurance companies tried to duck out of their responsibilities.
The majority of holidays are perfectly satisfactory but you don’t want to be caught out the one time there is a hitch.
Mature Times offers travel insurance policies for people up to age 115!
Get an instant quote from our UK call centre or book online.
As we have already mentioned, getting a quote is easy. You can do it online on our own Mature Times travel insurance website www.maturetravelinsurance.co.uk. Medical Screening is included and you can get cover in a matter of minutes.
However, if you prefer to speak to a real – UK based – person you can too, by calling 0345 070 8904.
As with our website, getting a quote takes just a few minutes, even if you need to declare medical conditions, and you can go on cover immediately.
The call centre is open between 0900 and 1730 during the working week and between 0900 and 1600 on Saturday.
Call 0345 070 8904 or CLICK HERE to get a quote online.
