Posts tagged: travel insurance over 65

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

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

Travel insurance over 65 for cycling and other activities

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

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

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

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

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

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

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

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

Increase in hospitalisations highlights importance of travel insurance

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By , July 20, 2012 11:02 am

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

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

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

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

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

Jeremy Browne, the Minister for Consular Services said:

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

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

5 things to remember when buying travel insurance over 65

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By , June 29, 2012 11:16 am

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

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

1. Declare any pre-existing medical conditions

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

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

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

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

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

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

3. Get the right travel insurance cover your holiday destinations

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

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

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

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

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

5. Check the details of your travel insurance carefully

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

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

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.

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 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.

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.

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.

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