Over 65 with pre-existing conditions? Choose your destination carefully

By , December 13, 2011 3:02 pm
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If you are a traveller aged over 65 and you have pre-existing conditions that you need to have travel insurance cover for, depending on the severity of the medical condition, you can find that the cost of travel insurance is more than you were expecting.

Cruise Ship

What affects the price of travel insurance over 65?

When you get a travel insurance quote, the insurer is trying to assess the risk of you needing to make a travel insurance claim, and sets the price accordingly.

There are 4 main criteria taken into account when you get a quote for travel insurance over 65. The duration of your holiday, your age (over 65, or over 70 etc.), any medical conditions that you need to have covered by the travel insurance and the severity of those pre-existing conditions, plus the destination that you are planning to travel to.

To keep your travel insurance costs down, choose your holiday destination carefully

Did you know that your holiday destination can have a significant impact on the price of your over sixty five travel insurance?

Your chosen holiday destination can have a big impact on the price of travel insurance, no matter what your age, but if you are over 65 or have pre-existing conditions that need to be covered by your travel insurance, then the difference in the price of travel insurance cover can become much more dramatic.

This difference in the cost of travel insurance to a particular country is not down to how far away from the UK it is, as you might think. It is generally down to the cost of medical treatment in that country.  For instance, medical treatment in the USA and Canada is notoriously expensive, this means that if you fall ill in the USA or Canada and subsequently make a claim on your travel insurance, the cost to the insurer is going to be significantly higher – therefore this is reflected in the price they charge for travel insurance cover.

You should also think carefully about travelling to the Caribbean, because if you fall ill in the Caribbean, particularly if you are on a cruise, you could well be airlifted to a hospital in the USA for medical treatment.

Even within Europe, the country you travel to could have an impact on the price of your travel insurance over 65 for medical conditions. Spain or the Spanish Islands, including the Canaries is often more expensive for travel insurance than other European countries. This is because tourists are usually sent to private hospitals where the EHIC (European Health Insurance Card) is not accepted. This puts means the cost of medical treatment for British tourists in Spain is usually considerably more than it is in other European Countries.

Which countries might increase the cost of your travel insurance over 65?

This may vary between different travel insurers, and it can be a good idea to get a quote for travel insurance over 65 before you book your holiday, particularly if you have a more severe medical condition that needs to be covered.

Within Europe, look out for Spain, the Canary Islands, Turkey, Cyprus, Malta and Switzerland. Outside of Europe, USA, Canada, the Caribbean are the ones to avoid if you want to keep the cost of your travel insurance to a minimum.

Get a travel insurance quote before you book your holiday

Unless there is a reason why you want to travel to a particular destination, why not get a quick quote for travel insurance cover before you commit to a holiday destination? That way you can see what impact the destination country has on the price of your over sixty five travel insurance cover. If you have more severe pre-existing conditions, such as cancer, the country you travel to could change the price of travel insurance by as much as a few hundreds of pounds.

To keep the cost of travel insurance down, keep this in mind when you book your holiday.

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