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Travel insurance firms appear to consider that individuals who are seniors are more likely to require medical aid so the expense of travel insurance policy can be more than double the premium of someone younger than 65.

There are nearly 10 million people living in the UKwho are seniors who, with no responsibilities, are going away more than ever. There are lots of over 75s taking holidays too and this group is even more neglected by large insurance companies.

Healthier way of living and medical progresses implies that age should not be involved as the major risk factor it once was. There are a lot of older people who are perfectly fit and healthy.

There are some other factors to look at when looking for affordable over 65 travel insurance. If you plan to travel abroad more than once a year, it could be less expensive to buy multitrip or annual travel insurance policy rather than single trip cover. Not only is it often nearer, but it also cuts the amount of paperwork involved as you only have to supply the information once, instead of several times.

Another way to keep costs down is to guarantee that you don’t buy the annual travel insurance you will not require. Try to get a travel insurance quote based exclusively upon your travel needs and personal circumstances rather than a one size fits all insurance policy.

Insurance Firms can refuse to handle medical costs abroad if the treatment is for a pre-existing medical condition. If you’re not asked about your medical story, so make sure you tell the insurer when you buy the policy, however irrelevant it may seem. Some insurers will cover you but may charge an extra premium or make certain exclusions.