Travel Insurance for the over 75 and 80 with medical conditions
Obtaining travel insurance when you are over 80 and have
medical conditions is difficult and expensive. We now have facilities to
cover the over 80 for periods up to 12 months (to age 85) and for 3
months if older.
Our Redwood travel insurance scheme referred to below
is currently unavailable. Online quotes for
over 75 travel insurance with full
access to medical screening lines are available - or we recommend you call us
on 01388 607140 as we have further options not available to the public online.
Our default travel insurance for the over 80 is the Redwood
Scheme. This offers three levels of cover: Bronze, Silver and
Gold.
The Bronze scheme is probably the cheapest travel
insurance for the over 80 on the market. Rates can be 60% of those found
elsewhere and the £100 excess can be deleted for a small additional
premium. Many over 80 travel insurance policies have substantial
excesses - especially those compared online. This policy is suitable for
most standard holidays.
The silver scheme affords reasonable travel insurance
for the over 80 - with just a £50 excess whilst the Gold contract was
rated as 5 star cover by defaqto in 2012 and includes unlimited cover
for medical conditions.
How we rate medical conditions for the over 80.
We operate a human-based medical screening line to
provide quotes for the over 80 who want the travel insurance. Calling at
a sensible time (including week-ends) connects the traveller to our
trained operatives who will ensure that the pertinent questions are
asked and the correct additional premium quoted. (We recommend that a
quote is first obtained online).
Medical conditions are assessed through a proprietary
algorithm called Healix (which many insurers use, not just for the over
80). The programme asks for details not only of medical conditions but
also ages and destinations (naturally extended stays in America are more
inherently risky than a weak in Benidorm) and returns a value that
equates to the required premium load to cover the medical conditions.
There is no upper limit on these values, however quotes are available
for values up to 7, which is quite generous.
Should the over 80 pay to have pre-existing medical
conditions covered?
Emphatically yes. Whilst there is no requirement to pay
to cover medical conditions for travel insurance, the over 80 should
bear in mind that, as they are over retirement age, complications may
occur from existing medical conditions and these complications would not
be covered, unless the original conditions are also covered. Since the
cost of having medical conditions treated abroad (especially in America/
Canada, there is no way we could recommend skipping on this valuable
cover.
The importance of disclosing information on medical conditions
It is vital that pre-existing medical conditions are disclosed when buying
travel insurance. It is also important that you check that your travel insurance
policy covers your conditions. When you obtain a quote through our travel
insurance quotation system you will be provided with contact details of the appropriate screening
line - we also offer facilities for you to do the screening yourself and buy cover for all
but the most severe conditions.
Examples of pre-existing Conditions we can cover
-
Angina
-
Asthma & respiratory
-
Arthritis
-
Cancer (general and breast cancer)
-
Depression, anxiety and stress disorders
-
Diabetes / Diabetic
-
Disabled conditions / disabilities
-
Epilepsy / epileptic medical conditions
-
Heart Bypass
-
Heart attack
-
High blood pressure
-
High cholesterol
-
Hypertension
-
Stroke
-
High risk
No matter what medical conditions you may
have, our travel insurance policies may cover them on referral, - usually
at standard premiums. However our travel insurance underwriters may be unable to cover them. In that case we can offer a travel insurance for your
condition provided: a) You do not have a terminal prognosis in six
months b) you are not travelling against doctor's advice and c) you are
not travelling to obtain treatment for that condition.
If the Redwood Contract for over 80
travel insurance is not suitable
The Redwood contract is almost certainly the best travel
insurance product for the over 80. However if a traveller is over 85
then they cannot take out the policy. In that case we have a quote
system that offers travel insurance for the over 85, or over 90 (there
is no upper age limit), however it is not possible to cover more than 3
months for a single trip.
To
our online Travel Insurance Quotation System
(medical conditions, over 75, annual, single trip,
winter sports etc)
If you want travel insurance for a single person in your party.
Many people are unaware that their own travel insurance policy may not cover
additional costs if someone else going with them falls ill! We always recommend travel
insurance be arranged to cover all members who are to travel together. Thus the travel
insurance company will protect everyone as they know about the condition.
Age limits
A travel insurance policy to cover people with medical
conditions for up to 12 months is launched on April 1st 2012. Redwood travel insurance
covers single trips for people aged to 85 (and yes 365 days is available for an 85 year
old) and annual travel insurance up to 74 (90 days a trip). Quotes are available here
although medical screening is required.
Length of trips
Long stay travel insurance, usually defined as travel for
more than 30 days is available though this is for the
younger (i.e. under 70) traveller. Cover is usually similar to a normal, single trip, travel
insurance policy. However there is a variation: backpacker travel insurance, is suitable for students
in their gap year who really only need cover for medical expenses, loss of passport and
possibly some luggage cover. The premiums for this are very cheap due to the limited nature
of the benefits provided.
Internet policies
Although you are buying this product online, we would like to
emphasise that we are a broker and, as such, the policies we offer are substantially better
than those you will buy by going through a price comparison website. On those sites you will
find policies with excesses over £200 per person per claim (e.g. if you go with a
family and all your luggage is stolen then you could find that you have to pay £800 towards
the claim - £200 for you, £200 for your wife/ partner and similar amounts for the
children. The reduction of cover on these sites gives serious cause for concern as customers
won't realise the costs they have to pay themselves until they make a claim. Our excesses,
by the way, range from £35 to £65 in most cases, with limits on a family claim and in many
cases you can delete them i.e. have no excess at all.
Back
to our main cheap travel insurance page
Specialised travel insurance needs.
Information about cheap travel insurance for the
over 75, 70, 75 or 80
Travelers over 75 but 85 or younger,
with our without medical conditions can find cheap travel insurance
through our Redwood product
over 75?
Even if you are over 75 we can meet your travel
insurance needs for to 365 days away or 93 days a trip for annual travel
insurance. So if you are over 75 more information about our travel
insurance for the over 75 policies, terms and conditions, including
cover for medical conditions.
?
When travel insurance is still available for up
to 365 days for a single trip, winter sports, or annual travel insurance
for 93 days a trip. Further information about travel insurance is available with instant quotes and buy online.
Over 75?
Still no problem - the over 75 can still obtain long
stay travel insurance for a year and winter sports covers. It doesn't
matter if going to the USA, Worldwide or just Europe and medical
conditions can be covered. You can obtain an over
75 travel insurance quote through our online quotation system and
buy online.
Over 80?
Our unique Redwood travel insurance is suitable for
travelers over 80 with online screening for medical conditions, with
single trips for 366 days available. More information on over
80 travel insurance is available though our dedicated page.
Winter Sports
Winter sports cover for travel insurance is available up
to 85. Information about winter
sports travel insurance is available including various activities,
with cheap premiums, especially for the USA and Canada.
Backpackers
Cheap backpacker travel insurance is available. Cover is
more limited but backpacker
travel insurance can be exceedingly cheap especially with a large
excess.
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