We’re all living longer and are more active in our retirement than ever before, but some insurance companies won’t insure you if you’re 75 or over (with a few, it’s as low as 65). But insurance policies do exist that have a much higher age limit – or none at all.
Saving money on travel insurance if you’re over 75
Although there is an increasing number of companies that will insure you if you’re aged 65 or over, don’t assume that all the policies are the same. You should check whether the insurer will cover pre-existing medical conditions. Some companies will insure you for an illness you’ve already suffered from. However, many won’t.
SAVVY TIP: Just because you’ve suffered from a medical condition in the past doesn’t mean you won’t be able to get travel insurance, but you may have to be assessed by a specialist medical screening company before the insurer will take you on.
A policy that does not cover pre-existing medical conditions can be useful in some circumstances. For example, many insurers will refuse to insure you if you’ve suffered from depression and needed hospital treatment. If you’ve had depression and can’t get travel insurance, a policy that doesn’t cover any pre-existing conditions may be a useful option as it would still pay out if you had an accident or became physically ill.
Buying travel insurance if you’re over 75
There are some things to bear in mind when you’re buying travel insurance if you’re over 75. Insurers normally ask about illnesses you’ve had in the last few years and illnesses you’re being treated for. This includes illnesses that you take tablets for where you’ve not had any symptoms. Many people take tablets for conditions such as high blood pressure or high cholesterol levels and don’t think anything about it. But if you don’t tell your insurer, your claim could be turned down.
SAVVY TIP: Not only will you be expected to provide information about medication that you’re currently taking, you should also tell the insurer whether the dosage has changed within the last six months (an increase or decrease).
It’s important to tell the insurer (or broker) about illnesses you’ve had in the past otherwise they may turn down your claim.
SAVVY TIP: I’d recommend that you get confirmation in writing (an email is fine) if the broker or insurer says that you don’t need to provide information about ‘minor’ illnesses, unless it’s clear from the paperwork or website. No one can be expected to disclose every cough or cold they’ve suffered from, but some insurers may try and wriggle out of claims if you’ve not clarified how much detail you should provide.
Upper age limits
There are a number of companies and brokers that specialise in insurance for older travellers. Companies to try include:
Able2travel: Offers travel single trip insurance policies for those aged up to 85 with pre-existing medical conditions. Older travellers may be referred to other companies.
Age UK travel insurance: has no upper age limit on its travel cover.
Avanti Insurance: has no upper age limit on its single trip policies.
Benenden: has no upper age limit on its travel cover.
Free Spirit: specialises in travel insurance for people with a pre-existing medical condition. There’s no upper age limit.
Just Travel: specialises in travel insurance for people with a pre-existing medical condition. There’s no upper age limit.
Insure and Go: has no upper age limit on its travel cover. If you’re aged over 90 you have to ring them to sort out cover – you can’t do it online.
Saga has no upper age limit and covers most pre-existing medical conditions using a medical screening service.
SAVVY TIP: Some price comparison sites have specialist sections that offer policies for travellers aged 70 and over.
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