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By George G.

Getting travel insurance for seniors over 65 years old can be difficult than you might imagine. With advancing age, it seems that insurance companies are not willingly to give travel insurance for the elderly. However, that doesn't mean senior citizens don't need quality travel insurance. In fact, you should start seeking travel insurance right away so that your trip abroad will be more comfortable, hassle-free and less risky for you.

The first thing you’ll have to do is contact your insurance company that covers your health care insurance or your car insurance. More often than not, your existing insurance company also offers travel insurance and is more willing to work with you.

Since you are above 55, your health care insurance provider can look over your past and present medical needs and determine that you are safe to travel. If they are unable to provide the travel insurance you need, they are likely to give you the contact information of other insurance companies, despite your senior status.

A good place to start looking for quality travel insurance is through phone calls or the Internet. Generally speaking, don't just accept the first policy that you come across. You want to compare different travel insurance policies until you find one that satisfies your needs.

Once you find a travel insurance policy that you need, you’ll need to apply and disclose your age as well as any pre-existing medical conditions such as heart problems, diabetes, asthma, or even kidney and liver problems. You should never lie or omit information about your health, as it could cost you more in the long run.

If you have a condition that the insurance company considers a pre-existing condition, you need to be aware of what sort of coverage your travel insurance will give you, and the type of coverage you’ll receive abroad from your regular health insurance.

If you want protection from theft or loss, flight cancellation or similar things, you may find that excluding the need for medical insurance makes the process much easier.

Consider a multi-trip policy as it saves you time finding senior travel insurance the next time you travel, even if it's only for the weekend. It's worth paying the extra fee, especially if you know that you'll be traveling more than once in the next 12 months.

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