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For many people, most of their time is spent on making the ends meet rather than spending time in leisure. This is true for majority of people, hence the idea that one will spend their old days sitting on chair and sipping on ice tea. But, all is not merry with such scheme of thoughts. One may have tirelessly saved during their youth for old age spending, but what if another hurdle is put in place—age. For overseas journey, travel insurance is a necessity keeping in view the hazards of travelling abroad. When age is not on your side, getting travel insurance becomes difficult. But just because you are now called a senior citizen does not mean that you are hanging by the thread and therefore have to let go those activities that you cherish and enjoy. In travel insurance, there is a special product targeted at senior citizens. It is known as the age concern travel insurance. It is perfect for those people who have retired, have a lot of leisure time to spend and is raring to have a tour of the planet. You must not be bogged down thinking of all the unfortunate situations such as mishaps and accidents that might befall just because you have reached a certain age. No wonder, you would want to be thoroughly prepared for the excursions on a relaxing, fun filled and adventurous trip to a foreign country. This will imply that you would require insurance coverage in the event that something happens to you. For people over the age of 65, age concern travel insurance is very popular as it gives the freedom to choose the coverage that you require. There are an awful lot of travel insurance policies floating around in the market and most of them do not cover pre-existing conditions. But in this type of insurance, all you have to do is fill out certain information pertaining to your condition and you can get to know your validity. Then there are folks who are fit and enjoy all the strenuous activities of life meant for younger guys like snow skiing, water skiing and canoeing. Just because you have reached a point in your age must not disqualify you from enjoying the various pleasures of life. Most insurance companies have too many exclusion provisions i.e. they would not cover certain circumstances. This is to imply that the entire section of the population is painted with the same brush. This should be crazy enough inference to be drawn on account of a person’s age. In age concern travel insurance you will not be restricted to pursue things that you like and enjoy. A cardinal rule to be followed always pertaining to any kind of travel insurance – never assume that you policy covers all the eventualities. Do read the fine print very carefully and never gloss over the exclusion provisions of your policy document. Because they will be the determining factor of the coverage that you will get in a foreign land. ______________________________________________________________________ Pranav Sharma is an insurance agent based in Mumbai; Pranav assists individuals and corporates in purchasing the right travel insurance policy & often shares his insights about the general insurance industry on internet.
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