Travel insurance for peace
of mind when on holiday
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When organising a holiday
or business trip, it is always a good idea to plan ahead for any unexpected
eventualities. While we hate to think about it, it is all too easy
to be affected by crime when visiting countries suffering from economic
crises or, heaven forbid, be involved in an accident of some kind.
Events of this nature can not only ruin your holiday trip, but they can
also hurt your pocket by having to cough up untold amounts of money once
you return home.
|For more mature travelers,
it is always good to organize an over 50's travel insurance policy to cover
such eventualities, ensure peace of mind and a great holiday. What
aspects of this policy should you bear in mind to ensure that you get the
best cover, but in a way that is affordable and economical? Here
are a few tips to bear in mind.
Are you one of those lucky
people who travels a lot during the year? If you are, really plan
ahead by taking out annual travel insurance cover. This type of policy
not only takes the hassle out of future travel plans during that year,
but also saves you money. The only potential drawback is that this
kind of policy only covers trips of up to 31 days maximum each. For
retirees wishing to spend a little longer on those warm, sunny beaches,
this might not be the best option.
Medical and Health
Do you have a pre-existing
medical condition that might potentially give you problems while you are
away? When organising your travel insurance, be honest with your
broker, tell them upfront that you have such a condition. While some companies
levy an additional, if small, premium for certain medical conditions, honesty
is always the best policy as any problems you might experience without
this disclosure could make future claims null and void.
Of course, if you are an
EU resident, traveling within Europe, it is also important to apply for
an EHIC (European
Health Insurance Card), which offers you local, state-provided medical
treatment should any health problems hit while you are away. The
fact you are holding an EHIC would normally also waive any excesses on
your travel insurance for medical problems. Always remember, however,
that the EHIC is not an alternative to actual travel insurance and will
not cover private healthcare services overseas.
Photo CC-by-SA Nentor
Those over 50 normally plan
for a quieter and more relaxing type of holiday, but occasionally there
is a mature dare devil or two wanting to participate in extreme action
sports while enjoying a trip to foreign lands. Mountain climbing
or white water rafting come to mind, or possibly scuba diving or paragliding
into the wide blue yonder. When organising your travel insurance,
rather let the company know up front what you are planning to do, to ensure
you have adequate cover.
Another aspect that most
people donít think of when traveling is whether their travel luggage is
already covered by their household insurance policy. Check the details,
as if it is covered, this could be a potential saving when booking your
Traveling in a Group
Are you travelling with a
group of people, either a bunch of friends or family members? A potential
saving could be made by taking out a group policy instead of single cover.
In conclusion, think ahead
to ensure both peace of mind and potential savings when planning your holiday
and have a marvelous time.
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Creation date: October 15,