You’ve chosen where you would like to go for your holiday and you’re already imagining yourself lying on a a hot, sunny beach. But are you a senior traveler and have you arranged your over 64s travel insurance?

If you’re an over 64 year old traveler you can often run into problems when trying to find travel insurance. Its not unusual for insurance companies to suddenly become reluctant to offer travel insurance to senior travelers for a number of age related reasons. They obviously don’t want to take unnecessary risks. They are in the business of making money and would like nothing more than to never pay out for insurance claims. But senior travelers mean additional risks for insurers due to possibly failing health, pre-existing medical conditions and the effects of aging.

So what can you do as a senior traveler? The first thing to do is not to leave it too late. Start to look around for your travel insurance cover as soon as possible. The longer you leave it the harder it will be to find the policy that you need.

Its always a good idea to start with your current insurance provider. if you already have some health insurance or life insurance then contact your insurance company and ask if they have specific senior travel insurance policies. And if you have a pre-existing medical condition find out if they provide pre-existing medical condition travel insurance.

It is always a good idea to shop around. Even if you are provided with quotes from your current insurance provider take the figures and look around for a cheaper alternative. There are some experienced senior insurance providers who may be able to beat the prices quoted by other, non-specialist providers.

You may like to consider multi-trip travel insurance, once you have found a policy and provider that you are happy with. Save yourself the time and trouble it takes to find an insurance policy by taking out a multi-trip policy that will cover your next holiday as well.

Whatever you do, always be honest and open with your prospective travel insurance provider. Never lie about your age and always disclose full details of your health and medical condition when applying for a policy. And makre sure you have a great holiday.