OAP travel insurance is getting increasingly hard to find at a good rate. OAPs often incurr heavy premiums on the standard rates to compensate for increased risk of medical claims. The reality is though that younger people are often more at risk dependent upon their medical conditions and choice of activity.

There is little getting round the fact that OAP travel insurance will be more expensive than equivalent cover for an otherwise identical younger individual, but OAP insurance cover is available .

Always remember that if you are looking at travel within the European Union, you are entitled to free equivalent healthcare at the point of use regardless of whether you are an OAP or younger member of society.

In assessing the quality of OAP travel insurance on offer in the market, it is best to have a lengthy detailed discussion with a company representative to ensure the policy you are considering meets all the requirements an OAP would typcially seek to enjoy whilst abroad.

Remember there is no point whatsoever in failing to disclose relevant medical conditions. This is the case whether you are seeking OAP travel insurance or regular travel insurance. The insurer is not contractually obliged to payout for any claims related to a condition that was not disclosed.

If you are an OAP looking for travel insurance and are not having a great deal of success, please do consult a wide variety of market participants to see what they have on offer. We do know there is OAP insurance cover available so you just have to find the best deals.