Category: Travel insurance over 65 – money saving tips

myagingparent.com aims to make caring for elder relatives easier

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By , October 22, 2013 12:13 pm

myageingparent.com 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 myageingparent.com, 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.

myageingparent.com 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

myageingparent.com works with health professionals, lawyers, accountants and charities to ensure the best information is always available and the site is constantly updated.
myageingparent.com also offers a one–stop shop for a whole variety of products designed to help the elderly and has some great gift ideas.
SHARE, myageingparent.com’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.

myageingparent.com is:
• An affiliate member of the Society of Later Life Advisors (SOLLA)
• A member of Age Action Alliance

www.myageingparent.com
info@myageingparent.com

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.

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.

Over 65? Why is it more difficult to get travel insurance cover?

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By , February 24, 2012 11:50 am

Have you found that travel insurance is suddenly more difficult to find, or more expensive because you have reached the age of 65? We talk about why travel insurance over 65 is more expensive.

Travel insurance over 65 is harder to find that travel insurance for younger travellers. For instance, some people find that the travel insurance policy that they’ve had with their bank account for many years suddenly doesn’t cover them any more once they reach 65 or 70.

Whether this is right or wrong, it is a fact of life at the moment that travel insurance for people over 65 is generally more expensive or harder to find than travel insurance for those under 65, with many insurers refusing to provide travel insurance cover for those over 65 altogether.

The reason for this is risk. Statistically, if you are over 65 you are more likely to need to claim on your travel insurance policy than if you are under 65. You are statistically more likely to have pre-existing medical conditions and more likely to need emergency medical treatment whilst you are away.

Many standard insurers keep their premiums low, by refusing to provide travel insurance cover to travellers who are over 65, or by inflating their prices once you reach 65.
We think this is unfair, because although travel insurance prices should reflect the level of risk being covered; it is not fair to refuse travel insurance cover to people simply because they are over 65, or raise travel insurance prices excessively overnight simply because you have turned 65.

At over sixty five travel insurance we believe that everyone should be able to travel with the peace of mind that they have appropriate travel insurance in place, which is why we have partnered with Goodtogoinsurance.com to provide travel insurance over 65.

Goodtogoinsurance.com provides travel insurance with no age limits, so age is never a barrier to getting travel insurance for your trip.

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.

 

Travel insurance over 65: Cover your companions on the same policy

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By , January 26, 2012 4:48 pm
travel insurance over 65

Covering your travel companions on the same travel insurance policy will mean that you are more likely to be covered if you have to cancel your holiday due to your travelling companions pre-existing medical condition.

In this post we’re talking about why it can be an advantage to cover your travelling companions on the same travel insurance policy, particularly if you or they are over 65 or have pre-existing medical conditions.

You may be fit to go on holiday, but what about the people you are travelling with?

If you are heading off on holiday with a spouse, friend or family member who has a pre-existing medical condition, getting the right travel insurance cover for all of you is very important.

If one of you or all of you have pre-existing medical conditions, regardless of whether you are over 65, it can pay to be covered on the same travel insurance policy, rather than on separate travel insurance policies.

Being covered on the same travel insurance policy will ensure that you will all have travel insurance cover in place in the event that you have to cancel or cut short your holiday due to your companions pre-existing medical condition (so long as the medical condition was declared when you purchased the travel insurance).

This element of travel insurance cover can often be overlooked by healthy travellers over 65 who might be looking for the cheapest travel insurance cover they can find. But, if your travelling companion falls ill before you depart on your holiday due to a pre-existing medical condition, causing your trip to be cancelled, you may find it difficult to get reimbursement if you are insured on separate travel insurance policies.

The last thing you want if you have been forced to cancel a holiday, due the illness of travelling companion, is to find that you will be unable to make a claim to recoup the cost.

So, it can definitely pay to stick together and buy one travel insurance policy to cover the whole family, or group of friends.  If everyone is insured on the same travel insurance policy, whether they have a medical condition or not, they should all be able to make a claim, in the event that it was deemed medically necessary to cancel or cut short the holiday following another member of the party becoming ill due to a pre-existing medical condition.

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.

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

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By , December 13, 2011 3:02 pm

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.

Travel insurance over 65 for ski and adventure sports

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By , November 22, 2011 11:24 am

65 is the new 40! You’ve been active and adventurous all your life, now just because you’re over 65 doesn’t mean that you’re suddenly going to change the habit of a life time and choose a more boring, sorry I mean relaxing holiday!

travel insurance over 65

skiing... by nonanet, on Flickr

Being over 65 no longer means you’re ready for your pipe and slippers and a lifetime in front of the TV. You’re still fit and active and you want to be adventurous and active on holiday. But, you do need to make sure that you have the right travel insurance cover for the sports and activities you want to take part in, and when you’re over 65 getting travel insurance for adventurous activities can start to get more difficult.

Ski insurance over 65

Travel insurance is vital when you go skiing or snowboarding, you need to make sure that you are properly covered if you have an accident on the slopes and need emergency medical treatment.

In addition to ensuring that you have medical cover in an emergency ski insurance over 65 will also provide cover for your ski or snowboard equipment and cover for unused ski pass and lessons if you are unable to ski due to illness or injury.

Adventure sports and activities cover on travel insurance over 65

A recent story of a 10 year old boy being injured in a quad biking accident in Turkey highlights the importance of having travel insurance cover for all the activities and sports you intend to take part in.

The boy was in hospital with head injuries and his parents were trying to raise £15,000 to cover his medical treatment because quad biking was seen as a hazardous activity by his travel insurer and therefore not covered on a standard policy.

If you are planning on taking part in any adventure sports or activities on holiday, make sure that you buy a travel insurance policy that provides cover. Most travel insurance policies will provide a list of sports and activities that are covered in their terms and conditions.

Oversixtyfivetravelinsurance.com recommends Goodtogoinsurance.com to provide travel insurance over 65 for sports and activities.

Goodtogoinsurance.com’s specialist insurance cover for travellers aged over 65 encompasses cover  for a broad range of activities as standard, including parascending, rafting, canoeing, kayaking, waterskiing, surfing and scuba diving to 18 metres as standard.  

If you plan on being even more adventurous, that’s not a problem, Goodtogoinsurance.com can offer optional upgrades to cover other adventurous sports activities such as mountain biking, canyoning, rock climbing and quad biking.

Whatever you plan to do on holiday, make sure you have the appropriate travel insurance over 65 cover, it may cost you a few pounds more to get cover for some sports or activities, but it could save you thousands if you have an accident and need medical treatment.

Insolvency: Is your holiday covered?

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By , October 17, 2011 12:50 pm

Travel insurance over 65 with insolvency cover can help plug a gap in financial protection for your holiday.

The level of financial protection you have for your holiday depends on how you book it, with those that book a package having greater protection than those that book independently.

The positive side of booking elements of your holiday separately rather than buying a traditional package is the freedom that it gives you to choose exactly what you want to do, when you want to do it. Choose the airline you want, the hotel you want and the length of stay that you want – when you’re over 65 it’s about time you get to do what you want!

The downside of the independently booked holiday is that you don’t get the same level of financial protection as when you book a traditional package.

Under the current ATOL (air travel operator’s license) regulations, which are operated by the CAA, your holiday is only financially protected if it is bought as a traditional package. If you book elements of your holiday separately they will not be protected under the ATOL scheme.

The Government does have plans to extend the ATOL protection scheme to include holiday components bought separately, such as hotels and flights, but this now doesn’t look likely to come in to force until April 2012.

In the meantime, if you do book elements of your holiday separately, buying the right travel insurance can help plug the gap in the financial protection available for your holiday.
Look out for Scheduled Airline Failure or Dynamic Packaging Cover which can be added to many travel insurance policies. This type of travel insurance cover is specifically designed to provide additional financial protection for people who book their holiday independently rather than a package which would be covered by an ATOL bond.

Scheduled Airline Failure provides cover in the event that one of your holiday suppliers, with whom you have booked and paid in advance, becomes insolvent. It is not limited to airlines; cover generally extends to hotels, car ferries, villa’s abroad & cottages in the UK, railway journeys, coach journeys, car hire and excursions.

With the travel industry experiencing their worst trading conditions in 30 years and 19 tour operators going bust this year alone, it’s important to make sure that your holiday is protected.

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