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  #1  
Old 20 Jun 2015
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Join Date: Feb 2012
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Travel Insurance for aging travellers
Having always taken out travel insurance since I was sixteen, I am now 66 and finding insurance companies cranking up premiums now I have time to do extended trips.


The last few years I have used insure and go but as I am 67 next year they will not cover for trips over 30 days despite doing Magadan last year and Georgia and Armenia this year. In Feb 2016 am going to Oman for a month and Budget Rent a Car have put an extra 2 OM a day senior surcharge on my car rental.


Has anyone got any details for Travel Insurers who don't penalise the older traveller since we are not all bed ridden as soon as we reach 65 years of age.


Many thanks


Boycie
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  #2  
Old 21 Jun 2015
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Join Date: Jun 2012
Location: Ireland & France
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I think you're just going to have to accept that premiums increase (for almost all types of insurance) as we get older. I don't know what Trailfinders' maximum age/duration of trip is, but we've found them very fair so far. Might be worth a try.
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  #3  
Old 21 Jun 2015
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Probably doesn't cover all that you want but we use World Nomads and we are over 65 and no noticeable increase in premiums.
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  #4  
Old 21 Jun 2015
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Hi Boycie:

Policies that are offered for a short period of time (in other words, to cover one trip only) seem to be a bit more prone to sharply increasing premiums as policyholder age increases. I suspect this is because the folks who buy these policies tend to be the people who have legitimate concerns about their ability to complete the trip without health problems, hence, there are a lot of claims made.

I have a travel policy that is in effect year-round and covers me for trips anywhere in the world of up to 60 days duration out of my home country. The premium - about $150 a year - is higher than the costs of a single 'one-trip' policy, but less than what the cost of buying 2 or more 'one-trip' policies would be.

I suspect that the actuaries have noticed that the type of person who buys this year-round cover is a person who travels frequently, thus implying reasonably good health, and they have also noticed that there are fewer claims on these policies - hence the lower premiums.

So, my suggestion is that you go shopping for a slightly different product that accomplishes the same thing: instead of getting single-trip coverage, shop around for annual travel coverage.

Michael
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  #5  
Old 22 Jun 2015
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Join Date: Feb 2012
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Many thanks for the replies. I guess I will have to bite the bullet, but I have always done annual policies, and pay up before I hit the pearly gates.


Cheers


Boycie
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  #6  
Old 23 Jun 2015
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The franglais-riders
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I presume you want your travel insurance to cover motorcycling as a permitted activity?

Try Navigator, they charge 50% more if you are over 35 year old (I
know!) and allow any sort of bike as long as you stay within roads where "saloon cars can drive through" ie nothing too extreme, according to my latest policy! We get annual coverage as it is cheaper that way and cover "non bike" trips.

Also, if you were to ride a 125cc bike, most travel policies cover for those as they assume people on holiday can rent mopped in Greece and various other places. It might give you more choice?


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