You have become wise with age, and that is why you know travel insurance is a must. Shopping for travel insurance as a senior citizen requires you to consider a few points a bit more carefully, though. Follow our list of the top considerations to remember before purchasing travel cover for peace of mind on your next holiday.

Identify age limits

Many travel insurers have an upper age limit for international travellers – essentially this means they will only insure you up to a certain age. Oftentimes age limits vary by destination and intended activities. Cover-More offers cover for seniors to most destinations up to age 84. We encourage travel at all ages, though, and want you to shop around. Don’t purchase a policy that won’t cover you or your travel companions.

Review pre-existing medical options

As we age, it’s a bit more likely that we will be afflicted by pre-existing medical conditions. It may surprise you to hear that travel insurance companies are often happy to accommodate your needs, though. Depending on the travel insurance provider you choose, there are often online or phone assessments available to help walk you through the process of declaring you’re your medical conditions.

After an assessment, your travel insurance provider may determine that your condition is covered for free with a policy, they may charge you an additional premium to cover the condition, or they may not cover the condition at all. In the third case, you will still be able to purchase travel insurance, but it will not provide assistance should anything related to your condition happen abroad. Generally, we recommend reading the product disclosure statements carefully if for details on pre-existing medical conditions. If your condition is not covered, do not panic; you may just need to shop around. There are plenty of travel insurance options on the market and you are sure to find one that fits your needs. It’s better to find a policy that fits your medical criteria than to fail to disclose your condition. If you are aware of a condition that you do not disclose, it could cause claim denial or policy cancellation.

Understand benefits and exclusions

Different policies offer different benefit levels for delayed or missing luggage, travel delay, lost money or travel documents. Get the level of cover that best suits your trips and what you’ll be taking with you. Many travel insurance companies will simply try to sell you as much excess cover as they can – don’t fall for this. Value the assets you will be taking with you (keeping in mind depreciation) and purchase excess off this value.

Take reasonable care

You may not be as reckless these days, but you should still understand your policy exclusions. Travel insurance companies usually will not provide claims payouts if they don’t feel the policyholder has exhibited reasonable care. Leaving baggage unattended in an airport, taking alcohol with certain prescription medications, walking through a busy intersection without needed glasses: these are all considered irresponsible behaviours and may violate the reasonable care clause of your travel insurance contract. Be sure, again, to read the product disclosure statement, focusing specifically on the exclusions to avoid the reasonable care trap.

Consider additional cover for specific items

You have been around a while, and you have accumulated a few great assets during this time. If you’re taking anything valuable on your trip, such as jewellery or special camera equipment, review the per item cover limits for your policy. Some travel insurance policies allow you to increase the limit for specific items. Remember that you may have to prove the value of items with original receipts or appraisals, though.

Expect benefits

The purpose of travel insurance is to have peace of mind while travelling. Do not settle for a company that gives you a bad feeling. Expect some service, such as 24-hour emergency assistance and money-back guarantees. If the travel insurance provider you are looking into does not provide these services at no extra cost, keep shopping. These should be non-negotiables.