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6 myths surrounding over 50s travel insuranceTweet
Determined over-50s travellers are leading the way when it comes to faraway travel – but many of them find securing value for money travel insurance a long-haul.
Recent figures from market researchers Mintel show that over a five-year period 55 to 64-year-olds were the only age group to increase the number of long-haul holidays taken. Meanwhile, over-50s travel insurance experts Staysure warns travellers to be wary of certain travel insurance offers, which are not always what they seem.
Gina Rudd, Staysure’s marketing manager, explains: ‘There remain many myths about some of these offers and travellers need to be made aware of potential pitfalls, particularly when undertaking long-distance travel and holidays. Insurance is an essential part of any trip and it need not be a complicated, time-consuming or expensive exercise.’
As the peak holiday season approaches, Staysure has highlighted a number of travel insurance myths, which it says need to be dispelled:
Myth One: I get free cover with my bank, so I don’t need to pay for extra travel insurance
Travel insurance is often provided as a free-of-charge ‘extra’ by banks and building societies looking to entice new customers, but the cover that this insurance provides is often not adequate. Pre-existing medical conditions for example are rarely taken into account and things such as cancellation cover, lost luggage and flexible trip durations are also not commonly provided. Always check the small print for these policies to ensure you are covered for every eventuality and that the cover limits meet your expectations.
Myth Two: I’m going to Europe and so will be covered by my European Health Insurance Card (EHIC)
The EHIC gives the user access to the same amount of treatment that a national of the country they are visiting would receive – thus, if the resident would ordinarily pay for prescriptions and visits to the doctors, so would the EHIC user.
It is therefore important to note that the EHIC isn’t an alternative to travel insurance and nor will it provide the user with an alternative to the NHS abroad. Likewise, the card is only valid for emergency medical purposes and will not cover events such as cancellations, delays or lost luggage. It’s always best to combine an EHIC with travel insurance to ensure you, your family and your possessions are fully protected.
Myth Three: Travel insurance is prohibitively expensive because of my medical history
For anyone with a pre-existing medical condition, which can include anything from bunions to high blood pressure, diabetes to cancer, it is often a struggle to find travel insurance that doesn’t cost the Earth. It’s therefore important to find an insurer that specialises in providing insurance for people with pre-existing medical conditions, which will help keep the costs down.
It is equally pertinent to declare all medical conditions when booking a holiday, as well as the medication that you are taking and any upcoming doctor/hospital appointments. This will ensure that you are given the best possible cover for whatever conditions you have – no matter how big or small.
Staysure offers medical screening online and over the phone with the extra added benefit of including cover for m any pre-existing medical conditions free of charge. Cover starts from as little as £4.99. This price is based on one person up to age 65 travelling in Europe for 8 days excluding conditions that need medical screening.
Myth Four: I don’t need travel insurance if I’m holidaying in the UK
Travel insurance is not just for those enjoying a holiday abroad, with travel insurance still being a necessity for jaunts in the UK. Although it may not seem apparent at first (especially with the NHS on our doorstep), UK travel insurance not only means that the option of private treatment is available if necessary, but it also protects you should you book a cottage or hotel and are unable to attend for an unforeseen reason. This ensures that you will not lose the money already paid for your holiday and also gives peace of mind.
Three days cover can be purchased from Staysure for just £3.14 based on one person aged up to 65, excluding conditions needing medical screening.
Myth Five: My age makes travel insurance less affordable
A common complaint relating to travel insurance is that the price becomes prohibitively expensive the older the traveller gets. Brokers such as Staysure which specialises in products and services for the over 50s, provide competitive policies and are able to tailor cover to suit the needs of their customers. The company offers a wide variety of great value travel insurance for all types of holidays for people up to age 85 and also includes cruise holiday cover as standard in all of its single trip and annual multi-trip policies, offering great value for money for over 50s.
Myth Six: The contents of my baggage will be covered on my home insurance
How much to insure your baggage for is an often-asked question, with the answer largely depending on where you are travelling to and how expensive your items are. For example, for those travelling in the UK you may find that your belongings are covered on your home insurance (with some home insurance policies extending this cover to include Europe). However, for more far-flung destinations the baggage cover needed may significantly increase, especially for long stay trips. Staysure’s baggage cover can be extended to £2,000 with the option of insuring a single item up to the value of £1,000.
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