{"id":1488,"date":"2019-05-13T12:14:52","date_gmt":"2019-05-13T02:14:52","guid":{"rendered":"https:\/\/www.insure4less.com.au\/blog\/?p=1488"},"modified":"2019-05-13T12:15:14","modified_gmt":"2019-05-13T02:15:14","slug":"most-common-seniors-travel-insurance-claims","status":"publish","type":"post","link":"https:\/\/www.insure4less.com.au\/blog\/most-common-seniors-travel-insurance-claims\/","title":{"rendered":"Most common seniors travel insurance claims"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" width=\"1020\" height=\"680\" src=\"https:\/\/www.insure4less.com.au\/blog\/wp-content\/uploads\/seniors-travelling-overseas.jpg\" alt=\"\" class=\"wp-image-1489\" srcset=\"https:\/\/www.insure4less.com.au\/blog\/wp-content\/uploads\/seniors-travelling-overseas.jpg 1020w, https:\/\/www.insure4less.com.au\/blog\/wp-content\/uploads\/seniors-travelling-overseas-300x200.jpg 300w, https:\/\/www.insure4less.com.au\/blog\/wp-content\/uploads\/seniors-travelling-overseas-768x512.jpg 768w\" sizes=\"(max-width: 1020px) 100vw, 1020px\" \/><\/figure>\n\n\n\n<p>Find out what many Aussie seniors claim on travel insurance and how you can reduce the risk of an incident claiming your holiday.<\/p>\n\n\n\n<p>We all face risk when we travel,\nwhether we\u2019ve chosen to do so at seventeen or at seventy, and\nwhether we\u2019re walking the Camino in Spain or cruising the Murray\nRiver in Adelaide.  \n<\/p>\n\n\n\n<p>Because unpredictable and unfortunate incidents can happen while we travel is exactly why travel insurance exists \u2013 and why purchasing cover should grace the very top of our pre-holiday to-do lists.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>That said, the likelihood of needing\nto make a claim does increase as you age (along with your <a href=\"https:\/\/www.insure4less.com.au\/blog\/top-travel-tips-for-seniors\/\">freedom\nto enjoy travel<\/a>, and your wisdom, of course, so don\u2019t\ndespair). It increases more so if you need seniors travel insurance\nfor pre-existing medical conditions. \n<\/p>\n\n\n\n<p>To help you reduce your risk of\nneeding to make a claim, we\u2019ve listed some of the most frequent\ntravel insurance claims made by senior travellers and what you can do\nto avoid exposure to similar situations.  \n<\/p>\n\n\n\n<p><strong>These are:<\/strong><\/p>\n\n\n\n<ul><li>\nPre-departure cancellations\n\tdue to illness or injury\n\t<\/li><li>\nOverseas medical expenses \n\t\n\t<\/li><li>\nTheft, loss of or damage to\n\tpersonal items\n\t<\/li><li>\nMissed departures and flight\n\tdelays.\n<\/li><\/ul>\n\n\n\n<h2>Cancellation due to illness or injury<\/h2>\n\n\n\n<p>Included in the list of most\nfrequent claims made by senior travellers is cover for pre-departure\ncancellations arising from unexpected illness or injury. \n<\/p>\n\n\n\n<p>From back pain and slipped discs to\nchest pain, cardiac fibrillation, heart failure and respiratory\ninfections, varying medical conditions can be the cause of a\ncancelled trip. While you can\u2019t control or anticipate a situation\nlike this, it does emphasise the importance of purchasing travel\ninsurance as soon as you book your trip. \n<\/p>\n\n\n\n<p>If you need to cancel your holiday\nbecause of an unexpected illness and you haven\u2019t yet purchased\ntravel insurance, cancellation will likely be at your own expense. If\nyou have purchased travel insurance, your cover will depend on the\nnature of your illness or injury. If you cancel due to a pre-existing\nmedical condition, then it\u2019s important to ensure that these\nconditions were advised to your insurer at the time of purchase.\nThat\u2019s just one reason why it\u2019s important to read the Product\nDisclosure Statement (PDS) when choosing your travel insurance as\nthis explains exactly what you are covered for. \n<\/p>\n\n\n\n<h3><strong>To reduce your cancellation risk:<\/strong><\/h3>\n\n\n\n<ul><li>\nSee your trusted GP for a\n\tcomprehensive health check before you book your holiday and then\n\tonce again before your departure date. \n\t\n\t<\/li><li>\nIf you need seniors travel\n\tinsurance for <a href=\"https:\/\/www.insure4less.com.au\/page\/policies\/seniors-travel-insurance\/\">pre-existing\n\tmedical conditions<\/a>, ensure that your specific\n\tconditions can be covered by your policy before you book your\n\tholiday.\n<\/li><\/ul>\n\n\n\n<h2>Overseas medical expenses<\/h2>\n\n\n\n<p>Uninsured travellers stand to lose\nhundreds of thousands of dollars for medical treatment overseas.\nCoupled with whatever ailment caused them to need treatment in the\nfirst place \u2013 that hurts.   \n<\/p>\n\n\n\n<p>Fortunately, the same can\u2019t be\nsaid for those who have travel insurance, and overseas medical\nexpenses is another frequent claim we see from the senior travellers\namong us.<\/p>\n\n\n\n<p>Often, these claims involve\ntreatment for things like abdominal pain, chest pain, dizziness and\ndifficulty breathing: the niggling complications that can indicate\nserious health problems in older travellers and which demand\nimmediate investigation. \n<\/p>\n\n\n\n<p>Many seniors have also made claims\nfor injuries to the head, hips and knees due to slips and falls while\nsightseeing.<\/p>\n\n\n\n<h3><strong>To reduce your medical expenses\nrisk:<\/strong><\/h3>\n\n\n\n<ul><li> Ensure you are vaccinated as recommended depending on your destination. <\/li><li> See your trusted GP for a comprehensive health check before you book your holiday and then once again before your departure date.   <\/li><li> If you need seniors travel insurance for <a href=\"https:\/\/www.insure4less.com.au\/page\/policies\/seniors-travel-insurance\/\">pre-existing medical conditions<\/a>, ensure that your specific conditions can be covered by your policy before you book your holiday. <\/li><li> While travelling, keep hydrated (drink only bottled water in developing countries), practice good hygiene (particularly if you are on a cruise), and take care to take more medication with you than required in case of delays (in the original packaging with a doctor\u2019s note).<br><\/li><\/ul>\n\n\n\n<h2>Theft, loss of or damage to personal items<\/h2>\n\n\n\n<p>Your iPhone may be wrapped in the\ntoughest phone case on the market, but that doesn\u2019t help when it\nfalls into the Singapore River during an otherwise pleasant bumboat\ncruise. Nor does it help when it\u2019s swiped from your back pocket. \n<\/p>\n\n\n\n<p>Our phones, tablets, laptops and\ncameras are understandably among our favourite travel companions:\nthey provide us with easy ways to communicate, navigate, organise\nmoney, capture memories and much more. \n<\/p>\n\n\n\n<p>Because these electronics are now\nalmost as important for travel as a passport, and because we use them\nso extensively when travelling, their loss or damage is another\ncommon insurance claim made by senior travellers. \n<\/p>\n\n\n\n<p>We\u2019ve encountered claims for\ndamaged and stolen mobile phones and tablets, stolen wallets, and\neven stolen cabin luggage, so it pays to be vigilant even when you\nbelieve the risk is not as high. \n<\/p>\n\n\n\n<h3><strong>Reduce your risk:<\/strong><\/h3>\n\n\n\n<ul><li>\nIf you haven\u2019t yet invested\n\tin a durable phone or tablet case, we recommend doing so before your\n\ttravel.\n\t<\/li><li>\nRather than taking your\n\tvaluables in a handbag or a backpack, consider a secure travel belt\n\tthat can be worn around your waist; this can protect your smaller\n\tvaluables not only from theft but also from loss and damage.\n\t<\/li><li>\nStore valuable items in a\n\thotel safe when you don\u2019t need them with you, along with an\n\temergency credit card so you always have quick and easy access to\n\tfunds.\n\t<\/li><li>\nRemember to safeguard your\n\tpassport. Do you really need to carry it with you or can you leave\n\tit in the hotel safe?\n\t<\/li><li>\nBe aware that older\n\ttravellers are a more attractive target to thieves than younger\n\ttravellers, so avoid wearing too much jewellery and other expensive\n\titems to reduce your risk. \n\t\n\t<\/li><li>\nRemember that most travel\n\tinsurers don\u2019t cover items left behind so stay vigilant and make\n\tsure you keep track of all your belongings.\n<\/li><\/ul>\n\n\n\n<h2>Missed departures and flight delays<\/h2>\n\n\n\n<p>\u201cHold the plane, I\u2019m stuck in\ntraffic!\u201d<\/p>\n\n\n\n<p>We\u2019re not sure if you have ever\ntried this, but we\u2019re sure that it hasn\u2019t worked if you have.\nMissing a flight because your taxi can\u2019t get you to the airport on\ntime is not an uncommon claim, though it is one that can be easily\navoided through careful planning. \n<\/p>\n\n\n\n<p>On the other hand, flight\nalterations and delays may not be within your control \u2013 but paying\nfor them can be. Travel insurance can help cover the costs of\nalternate transport or a brief hotel stay, because nobody wants to\nspend the night at the airport. \n<\/p>\n\n\n\n<h3><strong>Reduce your risk:<\/strong><\/h3>\n\n\n\n<ul><li>\nRegularly check your flight\n\tdetails so you can know of any delays or changes to departure gates\n\tas they occur.\n\t<\/li><li>\nPlan your route to the\n\tairport in advance and use navigation apps such as Google Maps to\n\tmonitor traffic on the day of your departure. \n\t\n\t<\/li><li>\nBe at the airport early \n\t\n\t<\/li><li>\nCheck your insurance policy\n\tto ensure that cover for travel delays is included and, if so, how\n\tmuch, so that you can amend your policy to suit you. \n\t\n<\/li><\/ul>\n\n\n\n<h2>How to make sure your claim is successful<\/h2>\n\n\n\n<p>Despite your best efforts, unavoidable circumstances may still see you in a position where you need to make a travel insurance claim. To ensure that your claim can be successful, take care to be in contact with your insurer as soon as possible after the incident occurs. That way, you will know exactly what supporting documentation you will need to supply and in what time-frame, be that police reports in the case of theft, or hospital reports in the case of medical incidents and so on. Most insurers insist that any medical claims over $1,000 are reported to them as soon as possible, so make sure you keep their 24\/7 Emergency Contact details on hand. <\/p>\n\n\n\n<h2><strong>Related Policy Pages: Further Information<\/strong><\/h2>\n\n\n\n<ul><li><a href=\"https:\/\/www.insure4less.com.au\/page\/policies\/medical-travel-insurance\/\">Medical Travel Insurance<\/a> policies page<\/li><li><a href=\"https:\/\/www.insure4less.com.au\/page\/policies\/seniors-travel-insurance\/\">Seniors Travel Insurance<\/a> policies page<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Find out what many Aussie seniors claim on travel insurance and how you can reduce the risk of an incident claiming your holiday. We all face risk when we travel, whether we\u2019ve chosen to do so at seventeen or at seventy, and whether we\u2019re walking the Camino in Spain or cruising the Murray River in [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[89],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Most common seniors travel insurance claims<\/title>\n<meta name=\"description\" content=\"Find out what many Aussie seniors claim on travel insurance and how you can reduce the risk of an incident claiming your holiday.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insure4less.com.au\/blog\/most-common-seniors-travel-insurance-claims\/\" \/>\n<meta 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