Children off their hands, spare cash, mortgages paid off and freetime, this generation has never had it so good. So the term ‘ SilverSurfer’ conjures up the picture of far off places, living newexperiences, being active and enjoying life and why not. After all,isn’t this what we all work for?
But there is a fly lurking in the ointment, or sun tan cream forthat matter. Why then, when life is starting to look up, is it sodifficult to find a travel insurancepolicy that does not penalise us for being older than the average.Generally, if in good health, insurers will provide the same rates foranyone between the ages of 18 and 65 but boy, once this threshold isbreached, it’s open season on anyone the wrong side of this notionalbracket.
Try and find an annual travel insurancepolicy when you are past 70, they exist but at a price. The simple factis that those ‘over 65’ are deemed a greater risk for cancelling aholiday before going
, curtailing a holiday once abroad and incurringhigher medical costs but it is time that policies were more tailored tothe individual rather than the group. There are many 70 year oldsfitter than twenty something’s and less at risk on their cruise downthe Danube than the bright young things strutting their stuff on thedance floor in Ayia Napa but it was ever thus!
There is no easy answer except it pays to shop around and there are travel insurance providers for the ‘over 65’ age group on the market which also provide cover for pre-existing medical conditions travel insurance.But don’t allow the extra premium you may have to pay to enjoy your newfound lifestyle dissuade you from taking out adequate cover in thefirst place. A hefty medical bill will certainly drain those hotvibrant colours back to grey in no time if you do decide to take therisk of having no cover.
