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Travel insurance after 65: questions to ask
Age alone does not determine insurance coverage. It depends on the policy, destination, duration and insured person's circumstances. This is a checklist for a query, not individual insurance or medical advice.
Editorial draft. Content under review; it does not describe a departure or a contracted service.
Check assistance and cancellation separately
Ask about hospital care, repatriation, limits, excesses and exclusions. Cancellation coverage is separate: check accepted reasons, limits and when it must be purchased. Do not assume every change of plans is covered.
Seven questions for the insurer
Does the policy accept my age for the entire trip? What medical limits and exclusions apply? Who authorises repatriation? How are pre-existing conditions handled? Are all activities and countries covered? Which cancellations or interruptions qualify and what documents are required? Whom should I call before incurring an expense?
Documents and personal health questions
Request the general and specific policy terms and answers before deciding. Consult a health professional about your individual circumstances. Use the insurer's secure channel for health disclosures, not this website's planner. No policy is selected for this initiative and no coverage is confirmed.