Posts tagged: medical conditions

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”

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.

 

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.

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.

Over 65? Declare medical conditions when you buy travel insurance

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By , November 22, 2011 10:41 am

When you buy travel insurance over 65, it’s important to declare any medical conditions that you have or anything that you are taking medication for – this will ensure that you are properly covered by your travel insurance if you fall ill on holiday, or indeed before your holiday and you need to cancel.

travel insurance over 65 with medical conditions

Hospital Regional de Juazeiro vai beneficiar 2 milhões de pessoas

No matter how inconsequential a medical condition may seem, you need to declare it when you purchase travel insurance. Anything and everything, from mild asthma to high blood pressure and heart disease, needs to be declared to your travel insurer at the time of purchase. 

Don’t be tempted by travel insurance policies that give a really cheap price by excluding all pre-existing medical conditions.  A travel insurer’s definition of a pre-existing medical condition does vary, but it is likely to mean that you would not be covered for any emergency medical treatment related directly or indirectly to a medical condition or treatment that you have ever had before. This could be ok if you are in your twenties or thirties, but when you are over 65 you need to be more careful. If you buy this type of travel insurance policy, you could find yourself without travel insurance cover when you need it most.

What types of medical conditions do I need to declare?

It’s very important to tell your travel insurance provider about any pre-existing medical conditions when you purchase travel insurance over 65. Anything that you are taking medication for, or have consulted the doctor about should be declared, from something mild like high blood pressure or high cholesterol, to serious conditions such as cancer and heart disease.

Why do I need to declare my medical conditions, they are under control, and it will just put the cost of my travel insurance up?

Failing to declare a medical condition when you buy travel insurance could cost you dearly, no matter whether you did it on purpose, to try and save money, or inadvertently, because you didn’t think you needed to declare anything.

You run the risk of incurring medical bills, which could easily amount to thousands of pounds, if you need medical treatment abroad and you’re not covered because you didn’t declare your medical condition.

Declaring your medical conditions when you buy travel insurance is vital at any age, but when you are over 65, it is an unfortunate fact that you are more likely to have a medical condition than when you were only 25, so make sure that you declare it.

The important thing to remember is, no matter how trivial you think your medical condition is, you should declare it when you buy travel insurance over 65 – you may find that it doesn’t increase your premium at all. But it will mean that you are appropriately covered if you fall ill abroad and need medical treatment whilst you’re away.

How do I declare my medical conditions when I buy travel insurance?

Declaring medical conditions on over 65 travel insurance policies is very easy these days. Many insurers provide an opportunity for you to do this online as part of the process of obtaining a quote; others will require you to call them to declare medical conditions. Either way, it is generally very easy, and you will still be able to obtain instant travel insurance cover without the need for any doctor’s certificates.

Our travel insurance over 65 with cover for medical conditions is provided by goodtogoinsurance.com. It can cover all types of medical conditions, up to a high severity and sometimes even a terminal prognosis. Many minor conditions can be covered a no extra charge. You can get instant travel insurance cover for medical conditions online or by phone.

 

Taking medication abroad – tips for holiday makers over 65 with medical conditions

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By , October 20, 2011 3:53 pm

If you are over 65 and travelling with medical conditions, the first thing you need to do think about, once you’ve booked your holiday, is buying travel insurance over 65 that includes cover for your medical conditions and also cover for loss of your medication.

Medication pills blister 2

taking medication abroad - travel insurance over 65 with medical conditions

 

Then, before you actually travel have a think about what medication you need to take with you and how you are going to carry it.

For instance, you might be concerned that airport security measures, such as restrictions on liquids, will prevent you from taking your medication in your hand luggage when you fly. If you plan ahead, this needn’t be a worry – so long as your medication is accompanied by the relevant documentation you are entitled to take it into the cabin of the aircraft with you.

Our tips for taking medication abroad:

  •  Buy travel insurance over 65 that includes cover for loss of medication. Replacing lost medication when you’re away could be costly.
  • Make sure you take enough medication to last your whole trip and any spares in case of emergencies; you might need to visit your doctor for extra supplies before you travel if your trip is a long one.
  • Keep all your medication in your hand luggage and keep it with you at all times. Don’t put it in your checked-in luggage in case it gets lost during the flight.
  •  Be prepared to be questioned about your medication when you are going through airport security. Don’t worry it, if you do get questioned, its standard practice.
  • Get a letter from your doctor outlining your entitlement to the medication and what the medication is for, and carry it with you when you are travelling – you may need to show this at airport security.
  • Keep your medication in its proper packaging, so the relevant authorities can see what it is, and note down the name of it in case you need to purchase more while you are away. If you lose your medication whilst you are away it may be covered on your travel insurance over 65.
  • Be aware that your medication might be illegal in some countries. Visit the travel section of the Foreign and Commonwealth Office website for details or contact the embassy of the country you are planning to visit.
  • There is a limit to the quantity of controlled drugs that you can carry with you abroad. If you need to take more than the authorised amount, you will need to contact the Home Office to apply for a licence. To find out if your medication is a controlled drug, visit www.hmrc.gov.uk
  • Consider how hot or cold the climate is in the country you are travelling to and how it might affect your medication.
  • If you’re travelling to a hot country and you’re diabetic, take a cool bag with you to store your insulin in.
  • Find out what your medication is called in the country you are travelling to so that you know what to ask for if you need to buy more. Your medication might have a different name in other countries.
  • Your local pharmacy might have a leaflet about taking medication to foreign countries – next time you’re in there ask for details.

When you are over 65 with medical conditions your medication can be an important part of your daily life at home, and it’s just as important when you go on holiday – it pays to be prepared so that you can relax and enjoy your holiday.

Buy travel insurance over 65 with cover for your medical conditions and loss of medication, if you are unsure of anything regarding taking your medication abroad talk to your doctor or your pharmacist.

Reducing the cost of travel insurance over 65

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By , September 27, 2011 3:43 pm

If you are of a certain age and looking for travel insurance, you’ve probably noticed that the cost can increase quite a bit when you become over 65.
The main reason for this is because as an adult over 65 you are statistically more likely to become ill and need medical treatment when you are away. Now this might seem unfair if you are fit and healthy and have no pre-existing medical conditions, but there is a way that you can keep the cost down.

The country you choose to travel to can affect your travel insurance more than you may think

The country you choose to visit on holiday could have a big impact on the price of your travel insurance over 65. This is down to the cost of obtaining emergency medical treatment in that country in the event that you become ill whilst you’re away.

Unless you have a strong desire to go to a particular destination, so that cost of travel insurance is not an issue, consider getting a travel insurance quote before you decide on your final holiday destination.

If you are worried about the cost of travel insurance, the main countries to avoid are the USA, Canada and the Carribean. But even within Europe, the country you choose could effect your travel insurance, because of increasing medical costs in some countries, some insurers now charge a premium to provide cover in European countries where medical treatment can be more expensive, this can often include Spain, Turkey and Malta.

So, if you are looking for some winter sun and are concerned about the cost of travel insurance, why not consider Greece rather than Turkey or the South of France rather than Spain. Changing your holiday destination could have an impact on the price of your travel insurance cover.

Or, if you have serious pre-exsiting medical conditions, it could make the difference to whether you are able to get travel insurance cover at all.

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