aims to make caring for elder relatives easier

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By , October 22, 2013 12:13 pm has been set up by Alex Ingram and Deborah Stone, both of them lost their fathers some years ago and have a single parent living. They know first-hand how important it is to try to ensure that our parents are happy, contented and as healthy as possible.

Sometimes, they help them with little everyday tasks, such as sorting out car insurance, or banking. On other occasions, the problems they have had to deal with have been more serious, such as falls at home and getting the right care for recuperation. They were finding it very difficult to find all the information we needed and it often took a long time to locate the right advice.

So they developed the concept of, a website aimed at helping you to help them, whether it is your elderly parent, older friend or relative. Packed full of information, it is a proactive site, which helps you find the answers to all the questions you might have. provides easily accessible information, advice and sign-posting to help to those caring for elderly parents or relatives by providing all the information they need in one place.

The site is a comprehensive guide to all of the areas people might want information about when caring for the elderly:

• Keeping the elderly active and healthy: advice on food and nutrition, exercise, alternative therapies and beauty
• Keeping the elderly busy: advice on activities, hobbies and how technology can help through using computers and tablet
• Financial advice : care budgets, pensions, allowances, assessments and local authority funding
• Legal advice: wills, living wills, trusts, power of attorney, disability and probate
• Care options: accommodation options, care at home, assessments
• Age-related medical issues: overview of conditions and advice on where to get help
• How to cope: dealing with bereavement, family and siblings and funerals
• Shop: contains all the essentials for assisting the elderly
• Forum: chance to share worries and advice with others
• Directory: helpful professionals working with the elderly works with health professionals, lawyers, accountants and charities to ensure the best information is always available and the site is constantly updated. also offers a one–stop shop for a whole variety of products designed to help the elderly and has some great gift ideas.
SHARE,’s forum, gives you the opportunity to ask questions and get advice from others in a similar situation.

By registering on the website, you will receive a regular newsletter on all aspects of elderly care to make sure that you are always up to date with the latest government initiatives, reports and they also feature daily news relating to elderly care issues in the UK. is:
• An affiliate member of the Society of Later Life Advisors (SOLLA)
• A member of Age Action Alliance

World Arthritis Day: Travel Insurance over 65 and Arthritis

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By , October 12, 2012 11:10 am

On World Arthritis Day we’re highlighting the importance of getting the appropriate travel insurance if you are over 65 and suffer from arthritis.

World Arthritis Day was established by Arthritis and Rheumatism International in 1996. It is celebrated every year on 12 October to raise awareness of the issues which affect adults of all ages who live with arthritis and other rheumatic and musculoskeletal diseases.

For more information about living with arthritis, including exercise and work place issues visit World Arthritis Day

Travelling with arthritis

Travelling with arthritis can be a challenge, as even things other people take for granted, such as carrying luggage, extra walking or sitting for a long period of time can make you feel uncomfortable, but it is not impossible.

You can make things easier by planning ahead and letting your tour operator and airline know about any special requirements well in advance of travel.

The Disabled Travel Network has more information about travelling with arthritis.

Arthritis Travel Insurance

The most important thing to remember when buying travel insurance is to declare that you have arthritis, as well as any other pre-existing medical conditions.

Declaring your arthritis when you buy travel insurance will mean that you are properly covered in the event that you need to cancel your holiday due to illness or require emergency medical treatment whilst you are away.

If you don’t declare that you suffer from arthritis when you buy travel insurance you could find that you are not covered for cancellation or medical treatment for anything that is related directly or indirectly to your arthritis. This obviously puts you at risk of incurring large medical bills if you do require medical treatment whilst you are on holiday.

Travel Insurance Cover for Mobility Aids

For many people who suffer from arthritis mobility aids, such as walking sticks frames and wheelchairs are a vital part of everyday life and something that they couldn’t easily manage without. This means it’s important to make sure that your arthritis travel insurance includes cover for loss, theft or damage to your mobility aids.

Over 65 Travel Insurance has teamed up with to provide over 65’s with arthritis travel insurance because their policies include cover for the loss, theft and damage to your mobility aids and they will also pay for the cost of temporary hire during your trip.

Get a quote for arthritis travel insurance >>

Inspired by the Olympics? Activity holidays & travel insurance over 65

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By , August 10, 2012 11:03 am
Campiña cycling

Travel insurance over 65 for cycling and other activities

Have you been inspired by Team GB’s success at the Olympics to become more active?

One great way to be more active is to choose an activity holiday such as walking, cycling or sailing.

If getting more active on holiday does appeal to you, age shouldn’t be a barrier, but it’s very important to get the right travel insurance cover for an activity holiday before you travel and take part in any sport.

You should never assume that a particular sport or activity is covered by your travel insurance without checking, because if you have an accident whilst doing something that isn’t covered by your travel insurance you could find yourself facing large medical bills for hospital treatment abroad.

It’s much better to spend a few extra minutes checking the details of your travel insurance and upgrading your policy if necessary to ensure that you are properly covered.
Getting the right travel insurance for sports or activities is important whatever your age, but it can be more difficult if you are over 65.

We work with who specialise in travel insurance over 65. Travel insurance over 65 from covers a number of sports and activities as standard including scuba diving to 18 metres, cycling and sailing (within 12 miles of the coast, in European waters).

You also have the option, up to age 75, to extend your travel insurance policy to cover more adventurous sports and adventurous activities, such as cycle touring, sea canoeing and even sky diving!

With our Olympic team exceeding all our expectations and doing us proud this summer it’s not difficult to see why many of us are being inspired to become more active on holiday.

Increase in hospitalisations highlights importance of travel insurance

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By , July 20, 2012 11:02 am

An increase in hospitalisations of British nationals in popular holiday resorts highlights the imporantance of having travel insurance over 65 every time you go abroad.

The latest British Behaviour Abroad report published by the Foreign and Commonwealth Office (FCO) has shown an increase in hospitalisations of British nationals in popular holiday hotspots including Spain, Greece and Egypt.

The British Behaviour Abroad report provides figures on the numbers of British Nationals who have required assistance from the Foreign Office over the course of the year.
During the year from 1 April 2012 to 31 March 2012 approximately 70 British travellers per week were hospitalised abroad – that’s 10 people every day.

The FCO are using this increase in hospitalisations to highlight the importance of having comprehensive travel insurance with cover for your medical conditions every time you travel abroad.
No matter what your age, over 65 or under 65, travel insurance is vital. British nationals who have travelled without travel insurance over 65 or have invalidated their travel insurance by not declaring a pre-existing medical condition, will find themselves or their families facing large medical bills if they are hospitalised abroad.

Although Foreign Office staff are there to offer assistance if you do become ill or have an accident, they are not able to cover the cost of medical treatment on your behalf. If you don’t have travel insurance over 65 or are not properly covered by your travel insurance for medical conditions, you or your family will have to cover the cost of medical treatment.

Jeremy Browne, the Minister for Consular Services said:

“ Whilst the prospect of ending up in a foreign hospital may be the last thing on your mind as you head overseas for a summer break, sometimes things do go wrong on holiday and many people deeply regret not taking out comprehensive travel insurance.

We witness many cases where people have invalidated their policy – perhaps by not declaring a pre-existing medical condition or not checking their policy covers a particular activity, such as hiring a moped. Unfortunately they are then surprised that the Foreign Office cannot pay for their bills and flight home”

5 things to remember when buying travel insurance over 65

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By , June 29, 2012 11:16 am

Getting the right travel insurance for your holiday is very important otherwise you could find yourself facing large bills if things go wrong abroad.

Here are our top 5 things to remember when buying travel insurance over 65.

1. Declare any pre-existing medical conditions

When you buy travel insurance over 65 it’s important to declare any pre-existing medical conditions that you have, this will ensure that they are properly covered by your travel insurance.

If you don’t declare a medical condition when you buy travel insurance over 65 you could find that you are not covered for emergency medical treatment when you are away.

Any medical condition that you have received treatment for, or seen a GP or hospital doctor about in the last 2 years needs to be declared, including conditions that are under control such as high blood pressure or conditions from which you have recovered but have still attended a follow-up appointment for in the last 2 years, such as cancer.

2. Get your holiday dates right when buying travel insurance over 65

It’s very important to get your holiday dates right when you are buying travel insurance over 65, especially if you have a night flight on your return journey.

Your travel insurance could be void if it doesn’t cover the entire time that you are outside of the UK, so if your flight departs late at night but doesn’t arrive back into the UK until the early hours of the following morning, make sure that your travel insurance covers you until the morning arrive home.

3. Get the right travel insurance cover your holiday destinations

This may sound simple but it is easy to make a mistake, particularly if you are travelling to more than one country, for example on a cruise, or if you are flying long-haul and you have a stopover on route.

The reason you need to be careful is that travel insurance cover for different countries can vary in price dramatically due to the difference in cost of a British national obtaining medical treatment in that country. If you are only insured for travelling to France, but you need medical treatment in Spain you would find that you are not covered.

You need to make sure that your travel insurance over 65 will cover you for medical treatment in every country you are visiting. Some worldwide travel insurance policies exclude the USA, Canada and the Caribbean; this keeps the cost down if you are not going to any of these countries. If you are flying to Australia via Singapore then this policy would be fine, but if you are flying to Australia via the USA, you would need to buy a worldwide travel insurance over 65 policy which includes cover the USA, Canada and the Caribbean. Even if you are only there for a few days or a few hours, it’s important to have the right travel insurance cover in place.

4. Think about the start of annual travel insurance over 65

To get the most benefit from the cancellation cover included in your annual travel insurance over 65 you should start the cover immediately, especially if you already have a holiday booked. If you don’t start the cover on an annual travel insurance policy until the start date of your next holiday you won’t have any cover for cancellation.

5. Check the details of your travel insurance carefully

Last, but not least, once you have bought your travel insurance over 65, spend a bit of time checking that all the details are correct – including your names, travel dates and details of any medical conditions that you have declared.

It is important that all details on your travel insurance policy are correct – if they aren’t contact your insurer immediately otherwise your travel insurance over 65 could be void.

Over 65’s most prolific travellers, highlighting importance of travel insurance over 65

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By , June 21, 2012 3:38 pm

travel insurance over 65

Travel insurance over 65 becomes more important as older generation take more holidays

New research has shown that older people account for nearly half of all holiday spending.

The study of British holidaymakers, which was conducted by Travelsphere, found that 28% of those over 65 take two or more foreign holidays a year, compared to just 19% of all British holidaymakers.

The survey showed that long haul travel was particularly popular amongst older travellers, possibly because they now have more time on their hands and are able to enjoy longer holidays further afield.

As our population ages the proportion of holidays taken by over 65 year olds looks set to grow even further, making the availability of fair priced travel insurance for over 65s even more important.

Many senior travellers find that when they hit the age of 65 the travel insurance provider they’ve used for many years, or the travel insurance they get free with their bank account suddenly won’t provide cover anymore, this is a particular problem with annual travel insurance over 65.

Don’t worry, travel insurance over 65 doesn’t have to be difficult to find or prohibitively expensive, as the demand grows travel insurance providers have been responding with better travel insurance products for those who are over 65. has partnered with who specialise in providing travel insurance for travellers who are over 65. In fact they don’t have any age limits on single trip or annual travel insurance policies. So whatever your age, it won’t be a barrier to you getting travel insurance so that you continue to explore the world as you get older.

Get a quote for travel insurance over 65

Travel insurance over 65: Our tips for choosing cover

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By , May 18, 2012 2:35 pm

Buying travel insurance when you are over 65 can be slightly trickier than buying travel insurance when you are under 65, partly because sadly there is less choice available for over 65s and partly because you are now likely to be more choosey.

Think about it, when you were 25 you didn’t really understand why you were buying travel insurance, it was just something that the travel agent added on to your holiday, or maybe you even travelled without insurance.

Now you are over 65 your priorities may have changed, you are more experienced, more knowledgeable and you understand the risks, you are therefore more likely to spend more time choosing your travel insurance.

Here are some tips on choosing the right travel insurance cover for you when you are over 65:

Medical expenses & Repatriation Cover

The most important part of travel insurance over 65 is the cover you get for emergency medical expenses and repatriation.  This section of the travel insurance policy provides cover for the cost of emergency medical treatment whilst you are away, which can easily amount to thousands. It also covers the cost of repatriation back to the UK where it is medically necessary, this could be by air ambulance or on a scheduled flight with a medical escort – something that doesn’t come cheap.

WHICH? recommend that you look for a minimum of £2 Million of medical expenses cover on a European travel insurance policy or £5 Million on a Worldwide travel insurance policy.

Make sure you declare any pre-existing medical conditions

To make sure that your emergency medical expenses are covered if you fall ill abroad you should declare any pre-existing medical conditions when you buy travel insurance over 65.

Remember, even something which seems unimportant or everyday needs to be declared. High blood pressure or high cholesterol is something that is often not declared by travellers over 65 when it should be.  If you take medication to control your blood pressure you need to declare it, even if your blood pressure is no longer high, it probably would be if your weren’t taking the tablets so it needs to be declared.

Get the right level of cancellation cover

Once you know that the policy has enough cover for medical expenses you can then start looking at the other travel insurance cover and benefits.

Cancellation cover can vary significantly in different travel insurance over 65 policies. If you’re not sure how much cancellation cover you need, compare it to the cost of your holiday. If your holiday only cost £500 per person you don’t need £5000 of cancellation cover each – so you can save money by choosing a policy with a lower level of cancellation cover. On the other hand if your holiday cost £5000 per person and you needed to cancel because of illness, you would be very disappointed to find that the travel insurance you had chosen only covered up to £500 each.

Travel insurance cover for your personal property

Again think about the value of the possessions you are going to be taking with you and use that to help you choose the right level of travel insurance cover. Remember that for valuables and money to be covered by travel insurance you must keep them in your possession or in a locked safe – never pack valuable items in your checked-in baggage.

Look at the excess payable in the event of claim

Check the level of excess that is payable in the event that you need to make a claim on your travel insurance over 65 policy. Some cheaper policies may have high excesses, or you can pay a premium to buy a travel insurance policy with no excess payable.

One is not necessarily better than the other, it’s up to you whether you would rather pay a lower premium on the assumption that you are not likely to make a claim, therefore the excess is not important, or you may prefer to pay a higher premium so that you take away the risk of having to pay any extra.

Consider Scheduled Airline Failure or other travel insurance upgrades

If you book elements of your holiday independently rather than buying a bonded package you don’t get the same level of financial protection that you would get if you book a package with a bonded tour operator, so you might want to consider adding Scheduled Airline Failure or Dynamic Packaging cover to your travel insurance over 65 policy – this provides extra protection for the insolvency of an airline or accommodation supplier.

When you are choosing travel insurance over 65 it’s always best to make an informed decision, we hope that this information will help you to do that.

New safety measures for cruise holidays and the importance of cruise insurance

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By , May 4, 2012 9:45 am

Good news for cruise ship passengers, many of whom are over 65. Cruise Lines International and the European Cruise Council have announced that new safety measure will be introduced on to cruise ships with immediate effect. Theses safety improvements on-board cruise ships are part of an on-going operational safety review following the sinking of the Costa Concordia earlier this year.

The new cruise safety measures will apply to cruise ships across the world and include the following:

  • More life jackets. Cruise ships will now be required to carry more that one life jacket per traveller
  • Restricted access to the bridge. Passengers will not be allowed onto the bridge during complicated manoeuvres, although bridge tours will still be allowed at other times.
  • More careful planning of a ship’s passage. Every ship’s passage plan will now need to be drafted by a designated officer, approved by a master and briefed to every member of the bridge in advance.

Of course any improvement in cruise ship safety is always good news for all passengers, particularly if you are over 65 and may not be able to move around as quickly as you use to, but it’s not the only thing you need to consider before heading off on a cruise holiday, getting the right travel insurance to cover your cruise is also very important.

The Foreign Office advise you to have travel insurance in place every time you travel abroad. The most important reason for this is to cover the cost of any unexpected medical treatment. Although most cruise ships will have medical centres on board, making emergency medical treatment readily available, you need to have travel insurance cover in place to help cover the cost.  Travel insurance is particularly important if you fall seriously ill whilst the ship is at sea. If it is deemed medically necessary the ship’s doctor or captain will change course, or arrange an emergency disembarkation at sea to get you to a hospital on shore. This does not come cheap, so having cruise travel insurance in place before you travel is vital.

Cruise holidays are becoming increasingly popular with older holiday makers, as such cruise insurance over 65 is also becoming more important. A key thing to remember about travel insurance over 65 is that not all travel insurance policies will provide cover for cruise holidays as standard, some cheaper travel insurance policies will exclude cruise holidays altogether and some will require an additional premium to cover cruises.

Check the terms and conditions of your travel insurance over 65 policy to ensure that it provides cover for cruise holidays before you travel.

More information about cruise insurance over 65 >>

FCO warns: EHIC does not replace travel insurance over 65

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By , April 27, 2012 1:04 pm

The Foreign and Commonwealth Office (FCO) is reminding UK travellers of the importance of taking travel insurance over 65 every time you travel following research that showed over half of British travellers wrongly believe that an EHIC (European Health Insurance Card) entitles them to free medical care anywhere in Europe.

Lynda St Cooke of the Foreign Office’s Know Before You Go Campaign said: “It is worrying that so many British EHIC holders are not aware of what the card entitles them to. If you are travelling in Europe, you should definitely take your EHIC. But it is also important to take out comprehensive travel insurance before you travel”.

The EHIC is important for British travellers to Europe because it proves your right to state provided health care, and in some cases this may be free or at a reduced cost.  However it does not cover the full cost of medical care in Europe or cover the cost of medical repatriation back to the UK.

The other benefit of having an EHIC when you travel to Europe is that many travel insurance providers will reduce of waive the excess payment on a claim for medical costs, if the EHIC was used when obtaining medical treatment and this resulted in a reduction of the cost.

In short, although the EHIC is useful to have when you travel to Europe; it does not replace the need for travel insurance over 65, which is vital every time you travel.

Travel insurance over 65 will provide cover the costs of all types of emergency medical treatment whilst you are away and also provide cover for repatriation back to the UK if it is deemed necessary. Terms and conditions will apply when you buy a travel insurance policy, whether you are over 65 or under 65, so read the policy wording before you travel and make sure it is suitable to cover your medical conditions and your holiday.

To ensure that you are covered for medical costs relating to any pre-existing medical conditions you will need to declare these medical conditions when you get a quote for travel insurance over 65.

It is worth taking the extra time when getting a quote for travel insurance over 65 to make sure that you declare any pre-existing medical conditions to give you the peace of mind that you are covered by your travel insurance if you need medical treatment whilst you are on holiday.

Cruise insurance over 65: Find out why getting the right cover is vital

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By , April 19, 2012 3:15 pm

Despite recent accidents, cruise holidays are continuing to grow in popularity amongst UK holiday makers, particularly those over 65. If you are over 65 a cruise gives you the ability to explore a number of exiting destinations at a relaxing pace.

Cruise Ship Ruby Princess and Grand Turk by marhargen, on Flickr

Cruise insurance is vital on all cruise holidays

Make sure cruise holidays are covered by your travel insurance over 65

If you are going on a cruise holiday you need to make sure that your travel insurance provides cover for cruises. Some travel insurance policies provide cruise insurance as standard, other do not so it’s important to check.

In many cases travel insurance policies will exclude cruises from their standard cover, but offer cruise insurance as an optional extra.

Make sure you read the terms and conditions of your travel insurance to make sure that you have appropriate cover for your cruise holiday.

If you are going on a cruise, cruise travel insurance is vital for a number of reasons;

Cruise insurance: Medical and repatriation cover including airlifting from the ship

Firstly and most importantly you need cruise insurance to provide cover for emergency medical treatment and repatriation whilst you are on your cruise, particularly if you are over 65.  As with standard travel insurance, cruise insurance will need to provide cover for emergency medical and repatriation expenses if you fall ill or are injured on your cruise.  Cruise insurance will ensure that you have cover to be airlifted from the cruise ship to the nearest suitable hospital on land if necessary.

Cruise insurance: Make sure the cancellation cover is enough

Secondly, cruise holidays can be expensive, so you will want to make sure that your cruise insurance over 65 provides adequate cancellation cover for your cruise.

The cancellation section of a cruise insurance policy provides cover up to the amount stated in the policy in the event that you need to cancel your cruise holiday due to illness, redundancy, you are called for jury service or your home becomes uninhabitable.

If your cruise travel insurance only provides cancellation cover for up to £1000 per person, but your cruise cost £2000 per person you could find yourself out of pocket if you need to make a claim.

Compare the level of cancellation cover in the cruise insurance to the cost of your cruise holiday and make sure the cruise insurance policy that you choose provides enough cover.

The cancellation element of cruise insurance is particularly important if you book your cruise a long time in advance, you never know what is around the corner so it is worth taking the time to make sure that your cruise insurance provides the cover you need.

Cruise insurance over 65 with cover for medical conditions

If you are over 65 and have pre-existing medical conditions it is important that you declare these when you get a quote for cruise insurance. Unfortunately it is a fact of life that if you are over 65 you are more likely to have medical conditions, so it is important that you have cruise travel insurance cover for these.  Many minor medical conditions won’t increase your cruise insurance premium, but they need to be declared to your insurer otherwise you could find that you are not covered.

Cruise insurance from

Over sixty five travel insurance work with who include cruise insurance as standard on all their travel insurance policies. has no age limits, so over 65 cruise insurance is not a problem.  Wherever you choose to buy your cruise insurance from remember to check the cruise insurance cover carefully to make sure it is suitable for you and your holiday.

Get a quote for cruise insurance from

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