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Travel Insurance Over 75s NewsDid you know that you there are camps all around the UK that offer a combination of adventure activities and more relaxing activities that combine to make your dream holiday - you can have the best of both worlds! Over 75 Travel InsurancePlease not all the insurers are all members of the FSA. travel insurance over 75 Changes in Medical ConditionsTravel insurance can be unfair should medical conditions change. It can happen that the traveller - especially the elderly over 75 - will suffer the onset or deterioration of their medical conditions after arranging the policy but before travelling. If the change is such as to force the over 75 traveller to cancel the trip then there is no problem with regard to the insurance - it will pay the cancellation costs. But what happens if the traveller is still fit to travel and therefore needs insurance? The key factor is to read the travel insurance policy and, if in doubt, contact the insurer before purchase as insurers vary. However many insurance companies will insist that any change in medical condition is brought to their notice as soon as it occurs so they can offer revised terms with regards to the trip as the chance of an insurance claim following cancellation or needing medical treatment whilst on holiday has increased. In the worst scenario the over 75 traveller can be left in the position of not being able to cancel the trip (as they are fit to travel) but are unable to obtain insurance for the new medical conditions (or at least only able to do so at a much higher premium!). Although the Financial Ombudsman Service (FOS) has ruled on some of these cases, policy wordings do not seem to have changed. Until insurers accept this occurs and treat customers fairly by regarding possible changes in medical conditions as part of the initial underwriting then, if this does happen to one of our customers we will do our best to obtain the insurance needed for them. (If this attitude does change it will increase travel insurance premiums slightly.)
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seeking out the best travel insurance options for oldies