Category: Travel insurance medical conditions

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 Goodtogoinsurance.com 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 >>

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”

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.

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.

Over 65 travel insurance cover for cancer

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By , March 16, 2012 3:20 pm

If you are fighting cancer, or have had cancer in the past, buying travel insurance can be tricky and it can be even trickier if you also happen to be over 65.

It is not unusual to find that the travel insurance you had with your bank, or your standard travel insurance provider, stops providing cover once you tell them you have been diagnosed with cancer or you reach a certain age.  Combine having cancer with being over 65 when you are looking for travel insurance and things can get really difficult.

But don’t worry, we know a travel insurance provider that can help, our partner Goodtogoinsurance.com can provide travel insurance for all types of cancer, up to a high level of severity and there are no age limits, so the fact that you are over 65 is not a problem.

Goodtogoinsurance.com can sometimes even provide travel insurance cover to cancer patients who are currently on a course of chemotherapy or radiotherapy, provided their doctor says it is safe for them to travel.

Spending time with family and friends in a relaxing atmosphere on holiday can be extremely important if you are living with cancer or recovering from cancer and we strongly believe that difficulty in obtaining travel insurance cover due to cancer or your age, if you are over 65, should not be a barrier to doing this.

The cost of cancer travel insurance when you are over 65 can depend on the type of cancer you have, its severity and how recently the cancer was diagnosed. The more recent your diagnosis, the more expensive travel insurance cover is likely to be.

You can keep the cost of cancer travel insurance over 65 down by thinking carefully about which country you are going to travel to.

Prices for over 65 travel insurance cover, can vary greatly depending on what country you are visiting, whether you have cancer or not.  This is down to the cost of UK residents obtaining emergency medical treatment in that country and whether that country has a reciprocal agreement with the UK for health care.

For instance, the USA, Canada and the Caribbean are usually the most expensive destinations to get cancer travel insurance for – the medical treatment in the USA and Canada extremely good, but it is also very expensive.  The Caribbean falls into this expensive category because when you fall ill and need emergency medical treatment in the Caribbean, you are likely to be taken to a hospital in the USA.

It can pay to get some quotes for cancer travel insurance over 65 for different countries before you book your holiday.

Don’t be tempted to travel without travel insurance to cover your cancer

Whatever you do, don’t be tempted to travel without travel insurance cover for your cancer. If your cancer isn’t covered and you need medical treatment abroad for something that is related to the cancer, you could find yourself facing very large medical bills.

Cancer patients sometimes comment that it is not worth buying travel insurance over 65 to cover their cancer because the cost of the travel insurance is more than the cost of the holiday, but the thing to remember is that the main purpose of your travel insurance over 65 is to provide cover for you, rather than your holiday, against the risk of incurring large medical bills abroad. 

Over Sixty Five Travel Insurance work with Goodtogoinsurance.com who can provide travel insurance over 65 with cover for all types of cancer, you can get a quote for cancer travel insurance online or call and speak to one of their friendly team who will be happy to help you.

Get a quote for cancer travel insurance over 65

Top 10 medical conditions declared on travel insurance over 65

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By , March 8, 2012 2:56 pm

The importance of declaring any pre-existing medical conditions when you buy travel insurance is something we talk about a lot here at Over Sixty Five Travel Insurance.

Any medical condition that you are taking medication for, or have visited the doctor or hospital about, needs to be declared when you buy travel insurance over 65.

We always remind travellers, especially those over 65, not to forget about medical conditions such as high blood pressure or high cholesterol which are controlled by medication – they all need to be declared when buying travel insurance.

This seems to be paying off – according to data provided by our partner Goodtogoinsurance.com the relatively minor medical conditions of high blood pressure and high cholesterol are the most common medical conditions being declared by travellers over 65 buying travel insurance.

The most common medical conditions declared and covered when buying travel insurance over 65 are:

1. High blood pressure
2. High cholesterol
3. Diabetes
4. Osteoarthritis
5. Asthma
6. Joint replacement (non-trauma)
7. Coronary angioplasty
8. Heart attack
9. Underactive thyroid
10. Angina

Top 10 medical conditions covered by travel insurance over 65 data provided by Goodtogoinsurance.com based on travel insurance sales in 2011.

Although we have said that high blood pressure and high cholesterol are relatively mild conditions, they can be the underlying cause of many more serious illnesses and therefore it is vital that these types of medical conditions are declared when buying travel insurance over 65. If they are controlled by medication they are unlikely to add a significant amount to a travel insurance premium, but declaring them will ensure that travel insurance cover is in place if a traveller falls ill abroad.

If you are over 65 and take regular medication to control a medical condition you will probably need to take supplies of your medication abroad with you on holiday.

Check your travel insurance over 65 policy terms and conditions to ensure that it provides cover for loss of medication to provide extra peace of mind whilst you are away.

Read our previous post for some hints and tips on taking prescription meditation abroad.

Travel insurance over 65? Don’t forget to declare your medical conditions

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By , February 17, 2012 11:23 am

If you are over 65 and looking for travel insurance, there is a good chance that you will have visited the doctor in the last few years, or been prescribed medication, in which case you will need to declare this at the time of buying travel insurance.

It’s often the more minor medical conditions, which may be controlled by medication that get forgotten or overlooked when buying travel insurance over 65.

Things like high blood pressure, high cholesterol and asthma are often overlooked because they can easily be controlled by medication. If you are over 65, taking medication for pre-existing medical conditions like high blood pressure can become such an entrenched part of daily life that you can easily forget you’re taking medication altogether.

Sarah Findlay, Marketing Manager at Goodtogoinsurance.com, a leading travel insurance provider for over 65s and those with medical conditions says:

“We often speak to older customers, who when asked if they have any medical conditions, or take any medication will say no, only to reveal later on when pressed further  that of course they are taking a tablet for high blood pressure, but isn’t everyone!”

“In fact high blood pressure along with high cholesterol, are the most common declared pre-existing medical conditions that we provide travel insurance for. This is the same for younger travellers and those who are over 65”.

It is important to declare any medical conditions that you have visited the doctor for, or take prescribed medication for when you buy travel insurance. If you don’t declare your pre-existing medical conditions when you buy travel insurance, regardless of whether this was because you forgot, or because you were trying to save money, you could find yourself with expensive medical bills if you fall ill and require emergency medical treatment whilst you are away.

If a pre-existing medical condition is not declared when you buy travel insurance over 65, your policy would not provide cover for any medical treatment that could be related back to this condition. 

With cover for minor conditions such as high blood pressure often only adding a few pounds to the price of a travel insurance over 65 policy it definitely pays to make sure you declare your medical conditions properly.

Getting the right travel insurance after a heart attack

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By , February 10, 2012 11:04 am

After the great news that the death rate from heart attacks has halved, we’re looking at how to get appropriate travel insurance cover after a heart attack.

stethoscope

Travel insurance after a heart attack

A recent study by Oxford University which looked at more than 800.000 men and women who had suffered a heart attack between 2002 and 2010 has shown that the death rate from heart attacks in England has halved in the last 10 years.

The research showed that fewer heart attacks were fatal to sufferers in the last 10 years, which is great news for those suffering a heart attack and their families.

The improvements have been put down to better NHS care after a heart attack and better prevention methods, such as the better management of heart attack risk factors such as smoking, high blood pressure and cholesterol.

If you or a family member has recently suffered a heart attack, a relaxing recuperation holiday could be just what you need to relax and spend some valuable time together. You should check with your doctor that it is safe to for you to travel before you book a holiday.

Like all pre-existing medical conditions you need declare that you have had a heart attack when you buy travel insurance. This is essential whether you are over 65 looking for travel insurance or whether you are younger.

Remember when you buy travel insurance over 65 for medical conditions that you need to declare all medical conditions that you have visited the doctor for or take regular medication for, not just something serious like a heart attack.

Sometimes, when you are over 65 it is easy to forget that you are taking medication for high blood pressure or high cholesterol because the conditions are under control and it just becomes part of your daily routine. But you need to remember to declare these medical conditions when you buy travel insurance over 65 to ensure that you are properly covered.

If you don’t declare that you’ve had a heart attack or that you are taking tablets to control high blood pressure you would not be covered by your travel insurance for any emergency medical treatment that is related directly or indirectly to these conditions.

Thankfully today it’s much easier to get travel insurance following a heart attack than it used to be, even though many standard travel insurance providers might exclude cover because you are over 65 or have pre existing medical conditions, there are specialists around who can help. Look for a travel insurance provider such as goodtogoinsurance.com who specialises in providing travel insurance for over 65s and pre existing medical conditions.

These, days you can buy travel insurance cover for heart attacks and other medical conditions online or by phone, whether you are over 65 or not. You simply need to spend a few minutes answering some multiple choice questions about your heart attack and/or other medical conditions to get instant travel insurance cover, without the need for a doctor’s certificate.

Another point to remember is that travel insurance cover for different countries can differ in price dramatically, due to the cost of obtaining emergency medical treatment in that country. So, if your heart attack has been very recent or you are well over 65 you may want to get some travel insurance quotes to a number of countries to see how the prices differ before you book your holiday – it could save you a lot of money.

Read our post about how the country you travel to can impact the price of your travel insurance.

The most important thing to remember is to declare all pre existing medical conditions when you buy travel insurance over 65. There days there are insurers out there who can cover all types of medical conditions and they are not difficult to find, a quick search online for travel insurance medical conditions or travel insurance over 65 is a good starting point.

Once you have travel insurance in place you can relax and enjoy your well deserved break.

 

Rising medical costs highlights need for travel insurance for over 65s

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By , January 19, 2012 2:02 pm

Research into the rising cost of medical treatment abroad last year prompted the Foreign and Commonwealth Office to advise travellers of all ages to make travel insurance a priority when they are planning a trip abroad.

Travel insurance is particularly important if you are over 65 or if you have a pre-existing medical condition, as unfortunately this means that you may be more at risk of falling ill or having an accident and therefore needing medical treatment whilst you are away.

The Foreign Office advises over 65s to buy a travel insurance policy with adequate medical cover for their chosen destination, it is important that this is done before you depart. The medical cover of your travel insurance policy should be at least £1m for European travel and £2m for the rest of the world. It is also important to declare any pre-existing medical conditions, you may not be covered by your over 65 travel insurance policy if you don’t declare these when asked.

Phil Lords from the Foreign Offices ‘Know Before You Go’ Campaign says:

“These findings highlight the importance of taking out insurance before you travel. Many people try to cut holiday costs, only to discover that when things go wrong they are obliged to pay thousands of pounds in bills. Getting comprehensive travel insurance means that whilst an accident may disrupt your holiday, it won’t bankrupt you.”

The findings of the research show that the average travel insurance medical claim made by British tourists requiring medical treatment abroad in 2010 was £1,333.41. Countries where the cost of medical care can be high such as the USA had average claims of £4,725.

The differing costs of medical treatment abroad is something that is often reflected in the cost of your travel insurance, so if you are trying to keep your expenditure down, why not get travel insurance over 65 quotes for different countries before you make your final decision on where to travel? If you are over 65 or have medical conditions, the country you are travelling to could make a difference of several hundred pounds to the cost of your travel insurance.

The figures above clearly illustrate why travel insurance over 65 to the USA, where the average claim is three times higher than the overall average, can cost more than travel insurance for trips to other countries.

If you are a traveller over 65 looking for travel insurance, or you have pre-existing medical conditions, and you want to keep the cost of travel insurance down, you can save money by travelling to countries where medical treatment is not so expensive, or countries where the UK has a reciprocal health care agreement in place, making travel insurance over 65 to that country less expensive.

If you are over 65 don’t try to save money by travelling without insurance – it could cost you a lot more in the long run.

The Foreign and Commonwealth Office can provide some support, such as notifying friends and family, if you are hospitalised abroad, but they will not pick up the cost, without travel insurance that would be down to you.

Travel insurance over 65: Declaring medical conditions

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By , December 13, 2011 4:20 pm

If you are a traveller aged over 65 and you have medical conditions, it is very important that you declare these medical conditions when you get a quote for travel insurance.

A few years ago, finding travel insurance over 65 with cover for medical conditions was very difficult. However, in the past couple of years a number of new travel insurance brands have been launched which cater specifically to this market, so there is no reason for you not to be properly insured.

Not declaring a medical condition properly could mean that you are not covered by your travel insurance in the event that you need to make a claim for cancellation (if you fall ill and are unable to travel) or medical treatment (if you fall ill abroad).

Remember to declare all of your medical conditions, anything you have seen the doctor for, or take medication for needs to be declared to your travel insurance over 65 provider.  Even something which you might think isn’t important because it is controlled by medication, such as high blood pressure needs to be declared.

Declaring a medical condition is easy when you buy travel insurance over 65

Most travel insurers who provide medical travel insurance for travellers over 65 make it very easy for you to declare your pre-existing conditions and get appropriate cover.

At oversixtyfivetravelinsurance.com we work with Goodtogoinsurance.com who provide instant travel insurance cover for medical conditions online or by phone – you can buy a policy in whichever way you find most comfortable.

Medical screening online or by phone

Whether you choose to get a medical travel insurance quote online or by phone, you’ll need to go through an easy medical screening process to assess the severity of your medical conditions. This will allow your travel insurer to judge the likelihood of you needing medical treatment abroad, and therefore quote an appropriate price for your travel insurance cover.

Whether you choose to get a travel insurance quote online or by phone, the medical screening process will only take a few minutes; you will be required to give the name of your medical conditions (as diagnosed by your doctor) and then answer a series of multiple choice questions. Questions could be things such as, when was your medical condition first diagnosed? eg. 1 year ago, 5-10 years ago, over 10 year ago. Or how many medications do you take for your medical condition? Eg. None, 1-2 or over 2 medications.

All the questions should be easy to answer, however if you are including cover for a travel companion on your travel insurance policy, you may want to have them with you to ensure that all the medical questions are answered correctly.

There is no need for a doctor’s certificate when you buy travel insurance over 65 with cover for pre-existing conditions, and you don’t even need to give the names of the medication you are taking.

In short, when you are looking for travel insurance over 65, you should declare any pre-existing medical conditions and answer the medical screening questions accurately, whether you choose to do it online or by phone, you can get instant travel insurance cover for your holiday.

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