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From The MD's Desk: Looking After The Platinum Traveller

So many travel websites and travel insurance policies are aimed at Millennials or the 35-50 age group, but here at OneStop4 we don’t believe travel should have an age limit. In fact, we believe in this so strongly that we decided to specialise in policies which work for the more mature traveller.

Our clients range in age from 57 to 102 years old, with an average age of 76. You’re the pioneers and explorers; the dreamers; the original free thinkers – and you love to travel.

We understand that you’re looking for a different holiday and a different travel insurance policy to the 30-somethings, but that doesn’t mean you should settle for travel that’s short on adventure, enjoyment or reliable financial protection.

 

How We’re Different

Medical costs abroad can be extremely high, even in Europe with EHIC, but not all travel insurance covers all medical conditions. Some may limit cover for certain conditions – especially those last minute “one size fits all” policies that sound simple but exclude all sorts of cover and conditions.

 

Some of the most common causes of claims by Platinum travellers include:

- Pneumonia

- Norovirus

- Respiratory infections

- Slips, trips and trapped fingers

- Osteoarthritis

- Osteoporosis

- Over-indulgence

- CVD

- Prostate problems

 

Nobody wants to focus on what could go wrong, but it’s so important that your policy covers potential illnesses and injuries that are relevant to your personal medical history, as well as your stage in life. We’re able to cover an almost inexhaustible list of medical conditions, but this is of course subject to full disclosure in your medical screening.

Our medical screening, which you’ll find during your online application or as part of the application process over the phone – is one of the most essential forms you’ll fill out for your holiday. It’s worth spending some time on it as it could save you a lot of money.

It’s also worth preparing for this part of your application in advance; be sure you do know what medical conditions you are being treated for. That may sound rather odd, but you would be surprised at how many people are unsure what their pills are for.

We just need to know about the conditions you have been treated for in the last 3 years, and for a few specific conditions e.g. circulatory, cancer, heart, respiratory, diabetic or renal conditions if you have ever had any of these. Be sure to include absolutely every existing medical condition – even if it’s well-controlled.

I know we say this a lot, but don’t leave out even the smallest detail. It’s simply not worth it!

 

Being Active

Even if you’ve lost interest in some of the more extreme sports, it’s still totally possible to enjoy countless other activities – whether on board a cruise ship or on land.

We’ve made sure our policies include lots of activities and additional cover is available for more specialised activities such as hot air ballooning, elephant and camel trekking, glacier walking or trekking at higher altitudes e.g. in the Andes or Nepal, up to 4000m.

Always check what’s available throughout your itinerary and ensure that you have cover for all activities before you go – just give us a call if you need to make sure!

 

Families

The value of family holidays is immeasurable, but it’s often left up to the older generations to organise these trips and pretty often to also manage the travel insurance too!

We have family travel insurance policies that can cover children and grandchildren of any age, including grandchildren travelling with grandparents and leaving the parents behind for some R&R. Under 2’s are free and children under 18 are half price. You can save a further 20% by organising your travel insurance online too.

 

Wishing you happy platinum travels!

Kate