With 60 being the new 50 and so on, more retirees than ever enjoy excellent health as they age. As a result, more and more of you are seeing retirement as an opportunity to travel the world and are heading off to ever more exotic and far flung destinations several times a year – and good luck to you! But despite most people generally living longer, healthier and more active lives, some older travellers are finding it hard to get cover at an affordable price. What you pay for your travel insurance as you age does increase as, statistically, the older you are, the more likely you are to make a medical claim, particularly if you already have one or more pre-existing medical conditions. Although, you might feel as fit as ever and may even be taking medication to control your condition, it is vital that that you disclose it when taking out travel insurance. But it's not just older people who fall into this category. Anyone who has a pre-existing medical condition should always declare it even if you think they are only minor and irrelevant and are on medication to control it e.g. under-active thyroid, eczema . Chances are, if this is the case, declaring them won't make any difference to your premium so don't give the insurance company any excuse to refuse your claim in the event that you need to make one. Saving a few pounds on purchasing your travel insurance policy could prove to be a false economy if something were to happen and your policy was deemed invalid when you come to make a claim.
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