Posts tagged: over 65 travel

Increase in hospitalisations highlights importance of travel insurance

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By , July 20, 2012 11:02 am

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

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

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

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

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

Jeremy Browne, the Minister for Consular Services said:

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

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

5 things to remember when buying travel insurance over 65

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By , June 29, 2012 11:16 am

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

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

1. Declare any pre-existing medical conditions

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

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

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

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

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

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

3. Get the right travel insurance cover your holiday destinations

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

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

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

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

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

5. Check the details of your travel insurance carefully

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

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

Easter Getaway? FCO issues travel insurance reminder

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By , March 23, 2012 11:33 am

The Foreign and Commonwealth Office (FCO) are advising travellers to buy comprehensive travel insurance before they travel this Easter.

The FCO is reminding travellers how expensive an emergency abroad can turn out to be if you are uninsured. For instance, if you are hospitalised abroad and require air ambulance transport home, it could cost as much as £16,000 from the Canary Islands and much more from other destinations.

Buying travel insurance is vital to avoid this type of unexpected cost; a comprehensive travel insurance policy will provide cover for emergency medical expenses and repatriation back to the UK by air ambulance if the medical team decide that is the best course of action for you.

When you buy travel insurance over 65, remember to declare any pre-existing medical conditions that you may have to ensure that you are properly covered.

If you are travelling within Europe you should also make sure that you have a European Health Insurance Card (EHIC) and that it is still valid. An EHIC entitles you to reduced cost medical treatment in EU countries, but it doesn’t replace the need for travel insurance because it won’t cover all medical treatment and it won’t cover the cost of repatriation.

Having a valid EHIC can also save you money in the event that you need to make a claim on your travel insurance. Many travel insurance providers will waiver the excess payment on a medical claim if you used your EHIC card when receiving medical treatment, saving you anything from £50 to a few hundred depending on the terms and conditions of your travel insurance policy.

As well as reminding of the need to buy travel insurance, the FCO also asking travellers to check the latest travel advice on their website before they leave the UK.

The FCO publishes continually updated travel advice by country, where you can find information about laws and customs, entry requirements, any upcoming strikes or industrial action and details on any areas which you should avoid.

So, if you have an Easter getaway planned, buy travel insurance and check the latest advice from the FCO before you travel. A little bit of extra preparation could save you an enormous amount of time and money once you are away.

There are several ways that you can keep up to date with the latest travel advice from the FCO:

Visit their website: http://www.fco.gov.uk/en/travel-and-living-abroad/travel-advice-by-country/

Follow @FCOtravel on Twitter

Follow the FCO on Facebook.

 

 

 

 

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? 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.

 

Over 65? Its time to get out and explore the world

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By , October 31, 2011 10:50 am

Some ‘younger’ people may think that if you’re over 65 you should be happy to sit at home with your slippers on and leave the travelling to them.  But I bet that couldn’t be further from the truth. You’ve got more time on your hands, hopefully you’ve got the money, so it’s time to get out and explore the world.

But, how do you decide where to go? You may have been dreaming of a favourite destination for the last 30 years and are now pleased you’ve got the time to finally go there. On the other hand, if you haven’t dreamt of anywhere in particular, the world is your oyster and now’s the time to start researching.

A good place to start is online, most countries or regions have a visitors website to promote the delights they have to offer, then once you’ve got a destination in mind you can start looking for accommodation or flights, or a tour operator who can do it all for you.

If you do decide to book elements of your holiday separately, direct with different suppliers, your holiday will not be ATOL protected and you might want to consider adding Scheduled Airline Failure (Insolvency) Cover to your travel insurance over 65 policy.

Magazine style travel sites can be a good place to get inspiration. Savista is a quality online lifestyle magazine for the over 50s, which aims to inform, entertain and advise on all aspects of life, they have some great ideas for holidays including the Cruising the Norwegian Fjords a trip around Bordeaux.

Wherever you head off on holiday, travel insurance over 65 should be one of the first things on your ‘to do’ list once you’ve got your holiday booked. Remember to declare any pre-existing medical conditions to your travel insurer when you buy your policy

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