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Many over 60's have the misconception that once they hit 60 their travel insurance premium will sky rocket, however many are surprised to find that this isn't actually the case.
Some people over the age of 60, are given certain types of medication by their GP – such as blood pressure or cholesterol tablets.
They worry that these disclosures, coupled with their age, will have an impact on their premium.
The good news is that provided the conditions are well controlled, or if the tablets are just for preventative measures, there is little to no impact on the price of the policy.
It is essential that they are disclosed to ensure an effective claim.
Many travellers over 60, tend to go abroad to stay with family and friends, or travel to holiday homes that they own.
For these reasons, people don’t always require certain benefits on their travel policy, like baggage or cancellation cover, because they either drive themselves or take cheap flight-only options and have their personal belongings at their destination already.
A number of airlines like Easyjet will allow you to alter your outbound and return flight times for a small transfer fee which means if you do become ill and unable to travel on time the flights can be reorganised rather than having to be covered by travel insurance (where there is an excess anyway).
However it is worth checking the alteration fees with the airline before assuming this is cost effective and also if you become too ill to travel in the foreseeable future then the fares would be lost without travel insurance, subject to the policy excess.
Through our panel of insurers, we can offer policies that only cover medical expenses (and repatriation) for people taking trips like those mentioned above.
This means that you don’t end up paying for a benefit that is not required, which is another way of keeping the cost of your policy down.
The most common conditions we encounter, that people take regular medication for are:
It is important to declare to the insurer any condition that you have been asked to take regular prescription medication for.
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
As we get older, we become more likely to need medical treatment on holiday. This is why it’s important for over 60s to take out their travel insurance policy before they jet off. You’ll be covered for medical costs, but also if you need to cancel your holiday or cut your trip short.
Other things that you can get cover for include:
- Getting you home in an emergency
- Lost baggage
- Lost passport or money
- Travel delays or disruption
And much more.
You might find that your travel policy gets more expensive each year. Age is one of the things that insurers will look at when working out the cost of your insurance.
But there are a few other areas that can affect the cost of your policy, so it’s worth thinking about these before taking out your travel insurance.
If you’ve had a medical condition in the last two years, then tell us about this when you’re getting a travel insurance quote. This way, we’ll only show you quotes that will include cover for any conditions you have. This includes if you’ve had:
- Investigations, consultations or appointments
There are a few conditions you’ll need to tell us about if you’ve ever been treated for them, even if it was a long time ago:
- High blood pressure, raised cholesterol, blood clots, aneurysm or any circulatory disease
- Heart attack, angina, chest pain(s) or any other heart condition
- Any form of stroke, transient ischemic attack (mini-stroke) or brain haemorrhage
So you’ll only be shown travel insurance quotes for your medical conditions that will suit your needs. This means you can have peace of mind when you’re jetting off on your next adventure.
You can add cruise cover to your travel insurance policy when you take out your quote. So you’ll be able to compare cruise-specific cover options for things like cabin confinement, unused excursions and medical treatment onboard.
If you’re comparing single trip policies, then you’ll need to tell us every country that you’re stopping at, even if you don’t plan on getting off the ship. For annual multi-trip policies, you don’t need to tell us where you’re going. But you’ll need to make sure that you choose the region that includes all countries you’re planning to stop at, so you get the right level of cover.