RIDDLE! What is it? They spend thousands encouraging us to buy it. We are advised never to go on holiday without it. But when we want to buy it, they don’t want to sell it to us.
Read on . . . . . . . . . . .
So after much deliberation we have chosen the holiday destination, sorted out the flights, and already we are picturing ourselves languishing on warm sands with the inviting blue sea stretching before us, and we just have the minor formality of the holiday travel insurance and then all the arrangements will be complete. Did I say MINOR? Well, yes, holiday insurance was once just a minor formality, but now for retired folk or senior citizens it has become a MAJOR, MAJOR problem. (In fact, when talking to friends it appears that holiday insurance has replaced house prices as the after dinner discussion). The problem is not only about how health affects the cost of insurance but it’s about how age affects the cost of insurance. Isn’t it amazing how an insurance company can take your annual holiday insurance payments for years, you have never made a claim, and suddenly because you have just passed a certain birthday you are too risky to consider. Your medical history may be fine, in fact you may be fitter than the 30 year old couch potato on the end of the telephone, but that doesn’t count – the only thing that counts is the date on your birth certificate. And when you do find an insurance company who will cover you, you find that the premium costs more than the holiday.
However, one thing is certain, WE MUST HAVE HOLIDAY TRAVEL INSURANCE (you realize how essential it is when you consider that an air ambulance from the USA will set you back approx