About Things Trav­ellers Should Know

Consumer Voice - - Bfsi -

Pre-ex­ist­ing med­i­cal con­di­tions

Older trav­ellers are more likely to have a pre-ex­ist­ing med­i­cal con­di­tion (such as hy­per­ten­sion) – and some will find that they are de­nied cover be­cause of that con­di­tion. But there are in­sur­ers who will of­fer cover specif­i­cally for older trav­ellers with cur­rent or past health is­sues. With providers that of­fer hol­i­day in­surance for those who are over 70, the screen­ing process will of­ten be more per­sonal and tai­lored to the in­di­vid­ual’s own par­tic­u­lar med­i­cal his­tory.

Hol­i­day in­surance op­tions

If you plan to travel for a longer pe­riod, or to sev­eral dif­fer­ent des­ti­na­tions in one trip (as with many trav­ellers aged over 70), an an­nual travel pol­icy may be the way to go. This can work out cheaper than buy­ing sep­a­rate sin­gle-trip poli­cies. Equally, if you’re not plan­ning on trav­el­ling be­yond, say, Europe, look for a pol­icy of­fer­ing an­nual cover for just Europe, as this can be much cheaper than a world­wide pol­icy. Check that your pol­icy in­cludes un­ex­pected event cover. In re­cent years, there have been sev­eral in­ci­dents that im­pacted on hol­i­day­mak­ers, in­clud­ing air strikes, civil un­rest and the in­fa­mous Ice­landic ash cloud in 2010, which caused huge dis­rup­tion. Tak­ing out ad­di­tional cover to pro­tect against such un­ex­pected is­sues might be ad­vis­able, though it’s likely to in­cur ex­tra cost. What­ever you do, steer clear of the in­surance pol­icy be­ing sold by your tour op­er­a­tor, as it will al­most cer­tainly cost you more than one bought in­de­pen­dently.

In­for­ma­tion is power

Take the time to re­search and com­pare quotes on­line. Costs for hol­i­day in­surance for those over 70 can vary widely. Make sure you read the small print, so you know ex­actly what you are cov­ered for. If you find you are turned away by a gen­eral in­surer for be­ing the wrong age, con­sider quotes from in­sur­ers who spe­cialise in older trav­ellers, as they will base quotes on an in­di­vid­ual’s health and claims his­tory. Be­fore you go away on your trav­els, read up on your des­ti­na­tion in guide­books and on­line. Also, do a bit of re­search into the health risks in the coun­try you’re vis­it­ing. Check if you need any vac­ci­na­tions or other med­i­ca­tion, such as malaria tablets.

Dos and Don’ts

• Keep your legs mov­ing dur­ing a flight to avoid deep vein throm­bo­sis; drink plenty of wa­ter; and take a

walk at least ev­ery cou­ple of hours. • At your des­ti­na­tion, don’t drink tap wa­ter un­til you’ve checked it’s safe to do so. • Make sure your pass­port is still valid for six months after your re­turn date, and that you’ve got the

nec­es­sary visas re­quired for any of the des­ti­na­tions you plan to visit. • Alert your bank to where you are trav­el­ling, and take a note of the emer­gency num­ber for your bank

and num­bers of all cards and trav­ellers’ cheques. • Leave con­tact num­bers and an out­line of your itin­er­ary with friends or fam­ily at home, and stay in touch

over phone or email. • Keep a pho­to­copy of your pass­port, visa and air­line/ho­tel ticket book­ing/con­fir­ma­tion in each check-in

and cabin bag­gage. • Do not keep the orig­i­nal pass­port, visa copy (if is­sued sep­a­rately), and for­eign cur­rency and credit/ debit cards to­gether (do not keep all eggs in one bas­ket!) – in the event of los­ing one, you may lose ev­ery­thing. Cour­tesy: www.mon­ey­su­per­mar­ket.com

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