As specialists in travel insurance for the over 65, B Portwood & Co Ltd have access to many
schemes that cater for the over 80. Over 80 travel insurance is not available through many sites online, especially for long stays over 30 days,
however we can offer quotes for single stay travel insurance, which provides
cover up to 365 days a trip for all UK travellers up to the age of 84 and for
travellers of any age for shorter trips. We can also offer cover for high risk
activities such as winter sports and have access to schemes for
cruise insurance - which can involve
substantially higher sums insured than a normal travel insurance policy.
Insurance policies vary in cover provided (sections) as well as levels of
benefits. For example one policy provides 4 levels of travel insurance cover, Economy, Bronze, Silver and Gold. The Economy policy excludes cancellation and luggage, so is probably most suitable for travellers mainly concerned about medical expenses and unwilling to pay substantial amounts for unwanted cover. This could, for example be travellers who intend to stay with family members on their destination. The Bronze policy provides £1,000 cancellation, £1,000 luggage and £2,000,000 medical expenses cover and should be considered for normal package holidays to Europe. The increased levels of cover on the Silver contract (£3,000 cancellation, £5,000,000 medical expenses and £1,750 luggage) would suggest most long-haul holidays whereas the high levels on the Gold contract (£10,000 cancellation, £2,500 luggage and Unlimited medical expenses) caters for the more expensive holiday. Other policy sections also have improved levels of cover in the Silver and Gold Contract.
It is perfectly reasonable to purchase a better policy if the improved levels of cover are required even if the overall cancellation liability needed is less.
A full breakdown of sums insured is provided on the quotation results page
from each online scheme, or will be e-mailed to you or discussed if the office
is contacted, before the product is purchased.
There may be pre-existing medical conditions. The online policies available
above operate an automatic medical-screening tool that assesses the increased
probability of making a claim due to
existing medical conditions. Humans are far more flexible than computers
however! if you contact us and provide a full list of medical conditions then we
can either make our own recommendation or suggest a suitable policy where the
medical screening is done via the phone - this makes it more likely that a
correct quote is obtained. Whether cover is purchased is entirely up to the proposer although sensible decision would be to obtain cover to prevent potential substantial costs incurring. (The EHIC provides some cover for medical treatment in subscribing countries but no associated costs e.g. emergency transport home.