Holiday Insurance for Over 70s

Travel Insurance Over 70s News

The silver surfer generation is booming, with more and more people now booking the trip of a lifetime instead of booking that weekend away to Blackpool. Make sure you don't miss out on the fun and book your holiday NOW!

Over 70 Travel Insurance

Medical Travel Insurance

Since the over 70s tend to have pre existing medical conditions, how travel insurance handles the over 75 is of paramount importance. Cheap rates may be available.

Unless the medical condition is listed as being covered under the insurance policy wording, it very likely will not be covered. Since the cost of treating medical conditions is very high it behooves the traveller to  ensure that they are covered. There are usually three options:

1. The policy has no facility to cover existing medical conditions. This is usually to keep costs down, nevertheless we do not recommend that elderly people with medical conditions take these policies, no matter the premium saving. The cost of obtaining medical treatment will be much more than any putative saving in premium. Still less do we recommend the over 70 with medical conditions should arrange travel insurance and not declare the said conditions.
2. The policy has a contact number to discuss and, if necessary pay for, the cover of the medical conditions. On contacting the number, the traveller will be asked questions relating to the condition(s) by an experienced operator who will then advise them of the terms required by the insurer to cover them. These are usually either an increased excess for the condition(s), the insurance company may impose a  higher premium, or declineature. Since we are insurance brokers we have access to several travel insurance schemes that can cover all sorts of medical conditions and it is probable that if one insurance company's terms and conditions are unacceptable, another travel insurer we use will offer better terms. Again we do not recommend travelling without obtaining cover for the medical conditions. (Note that usually the insurance premium quoted by a medical screening line is JUST for the medical conditions - the full policy will still have to be purchased.)
3. The policy links into medical screening software that asks a series of questions about the medical conditions disclosed (and often asks about related conditions just in case). Provided the traveller knows all the information they can obtain terms and conditions online, with a final insurance premium and, providing that all the information is correct, can travel knowing that they are covered under the insurance policy.