Finding the right travel insurance for your own personal needs is hard, and is only made harder when you are over 65 years old. Most insurance companies are less willing to insure senior citizens, and insurance is no different. Their reluctance stems from the assumption that those aged over 65 are more likely to accidents while travelling. This leads not just to having to search longer and more extensively for a willing insurer, but also having to pay as much as three times or more than a younger person.

Even with such opposition there is plenty of hope. Some travel insurance companies pride themselves on insuring large amounts of travelling senior citizens. There are plenty of insurers willing to produce a wide variety of polices for you to choose from. You could find a great bargain if you take the time to look around and follow these five very important tips.

1. Buy travel insurance directly from the insurer. Do not waste time with a travel agent or tour operator. These organizations will be more than willing to arrange you with a policy, but usually it is not the best option for your needs, and they tend not to be competitively priced. Always talk directly with the travel insurance provider. This cuts out the middle man in the deal, meaning you save money and time better spent elsewhere.

2. Watch for the hidden policy options that insurers try to sneak in! If you take the time to scrupulously review your policy you can throw out the coverage you could not possibly need, such as extreme sports. Do you really need deep sea diving coverage, if you have no likelihood of ever attempting it?

3. Do not waste money on multi-trip insurance. Most travelers over the age of 65 romantically waste money on 2 or more years of travel insurance, when they only travel once in that time period. Find a policy that is better fit to your personal needs and your wallet.

4. Do not be forced into the fallacy of signing the first insurance company you run across. Always compare quotes, and maybe even mention to the insurance company the price that their competitor quoted you. Be stingy with your patronage, you deserve the absolute best quality service.

5. Lastly, be wholly honest. Especially when talking directly to the insurance company, you will eventually have to prove everything that you say, so honesty is the best policy. When you add duplicity when conversing with your travel insurance company it will do one of two things. Either they will completely deny you that great deal you had bargained for, or, they will turn this falsehood into an advantage against you, demanding a higher quote from you. Your goal is to get the lowest priced, yet perfectly tailored quote you can, deception is only counterproductive to this goal.

The internet is an excellent source for researching insurance companies and acquiring quick and easy quotes. However, the best bargains are usually acquired by actually talking to a sales representative over the phone. Sales representatives are trained to give you the best experience possible, and with enough prudence you can reach the best deals through them. Whatever you do, do not lose hope in your search, you will absolutely find the travel insurance you are looking for.

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