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You've found your sunny vacation destination and you're already looking forward to spending some time relaxing in the sun. 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. Many insurance companies suddenly become reluctant to offer travel insurance to senior travelers for a number of reasons. They don't want to take what they may see as unnecessary risks. Ideally, they will sell their travel insurance policies and no one will actually make a claim on them. But senior travelers present additional risks due to their age, possibly declining health and maybe pre-existing medical conditions.

So what can you do as a senior traveler? The most important thing is not to leave it til the last minute. Its worth making a start in looking around for your travel insurance policy as soon as you possibly can. The longer you leave it the harder it will be to find the policy that you need.

Start with your existing 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.

Always 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 be sure to have a fantastic holiday.

Tags: insurance, over 64s, senior travel, travel advice, travel insurance