Travel Insurance for the over 65 and 70 with medical conditions
Finding travel insurance when you are over 70 and have
possibly serious medical conditions is difficult and expensive. We now have
insurance companies able to
cover the over 70 for trips up to 12 months (to age 85) and for 3
months if older. Annual travel insurance is also available on our scheme
up to 74 - maximum 120 days/ trip.
Please note that the Redwood scheme (below) is
currently unavailable. Quotes for over
65 travel insurance are available online - with full details of
contacting a medical screening line to obtain cover - but we recommend
contacting us on 01207 509446 where we will do our best to help, with a wider
range of policies.
Our preferred travel insurance for the over 70 is the Redwood
Scheme. This offers three levels of cover: Bronze, Silver and
The Bronze scheme is the cheapest travel
insurance for the over 70 we use. Rates can be 65% of those available elsewhere and the £100 excess can be
removed for the additional premium of 10%. Many over 70 travel insurance policies have substantial
excesses - especially those compared online, and may not cover medical
conditions anyway. This policy is suitable for
most standard holidays.
The silver scheme affords reasonable travel insurance
for the over 70 - with just a £50 excess whilst the Gold contract was
rated as 5 star cover by defaqto in 2012 and includes unlimited cover
for medical conditions. The excess can be deleted again by paying a 10%
premium but often the increase in premium exceeds the excess -
especially for long stays abroad such as USA or Australia.
How medical conditions are rated for the over 70.
We have outsourced a human-based medical screening line to
provide quotes for the over 70 who want the travel insurance. Calling at
a sensible time (including week-ends) connects to our experienced operatives who will ensure that the
appropriate questions are
asked and the correct additional premium quoted, based on the responses. (We recommend that a
quote is first obtained online).
Medical conditions are assessed through a proprietary
algorithm called Healix (which many insurers use, not just for the over
70). The programme asks for information not only of medical conditions
and treatment undertaken but
also ages and countries to be visited (naturally extended stays in the
USA are more
inherently risky than a weak in Blackpool) and returns a value that
equates to the required premium load to cover the medical conditions.
There is no upper limit on these values, however quotes are available
for values up to 7, which is quite generous.
Should the over 70 pay to have pre-existing medical
conditions covered on their travel insurance?
Emphatically yes. Whilst there is no requirement to cover medical conditions for travel insurance, the over
70 should consider that, as they are over retirement age, complications may
occur from existing medical conditions and these complications would not
be covered, unless the original conditions are also covered. Since the
cost of having medical conditions treated abroad (especially in America/
Canada, there is no way we could recommend skipping on this essential
The importance of disclosing information on medical conditions
It is vital that pre-existing medical conditions are disclosed
by the over 70 when buying
travel insurance. It is also important that you check that your travel insurance
policy covers them. When you obtain a quote through our travel
insurance quotation system you will be provided with contact details
- we also offer facilities for you to do the screening yourself and buy cover for all
but the most severe conditions.
Examples of pre-existing Medical Conditions we can cover
Asthma & respiratory
Cancer (general and breast cancer)
Depression, anxiety and stress disorders
Diabetes / Diabetic
Disabled conditions / disabilities
Epilepsy / epileptic medical conditions
High blood pressure
No matter what medical conditions you may
have, our travel insurance policies may cover them on referral, - usually
at standard premiums. However our travel insurance underwriters may be unable to cover them. In that case we can offer a travel insurance for your
condition provided: a) You do not have a terminal prognosis in six
months b) you are not travelling against doctor's advice and c) you are
not travelling to obtain treatment for that condition.
If the Redwood Travel insurance policy for over
70 travel insurance is not suitable
The Redwood contract is almost certainly the best travel
insurance product for the over 70. However if a traveller is over 85
then they cannot take out the policy. In that case we have a quote
system that offers travel insurance for the over 85, or over 90 (there
is no upper age limit), however it is not possible to cover more than 3
months for a single trip.
our online Travel Insurance Quotation System
(medical conditions, over 75, annual, single trip,
winter sports etc)
If you want travel insurance for a single person in your party.
Many people are unaware that their own travel insurance policy may not cover
additional costs if someone over 70 going with them falls ill! We always recommend travel
insurance be arranged to cover all members who are to travel together. Thus the travel
insurance company will protect everyone as they know about the condition.
A travel insurance policy to cover people with medical
conditions for up to 12 months is launched on April 1st 2012. Redwood travel insurance
covers single trips for people aged to 85 (and yes 365 days is available for an 85 year
old) and annual travel insurance up to 74 (90 days a trip). Quotes are available here
although medical screening is required.
Length of trips
Long stay travel insurance for the over
70, usually defined as travel for
more than 30 days is available. Cover is usually similar to a normal, single trip, travel
insurance policy. However there is a variation: backpacker travel insurance, is suitable for students
in their gap year who really only need cover for medical expenses, loss of passport and
possibly some luggage cover. The premiums for this are very cheap due to the limited nature
of the benefits provided.
Although you are buying this product online, we would like to
emphasise that we are a broker and, as such, the policies we offer are substantially better
than those you will buy by going through a price comparison website. On those sites you will
find policies with excesses over £200 per person per claim (e.g. if you go with a
family and all your luggage is stolen then you could find that you have to pay £800 towards
the claim - £200 for you, £200 for your wife/ partner and similar amounts for the
children. The reduction of cover on these sites gives serious cause for concern as customers
won't realise the costs they have to pay themselves until they make a claim. Our excesses,
by the way, range from £35 to £65 in most cases, with limits on a family claim and in many
cases you can delete them i.e. have no excess at all.
to our main cheap travel insurance page
Information about cheap holiday insurance for the over
65, 70, 75 or 80
Travelers over 65 but 85 or younger,
with our without medical conditions can find cheap travel insurance
through our Redwood product
Specialised travel insurance needs.
Even if you are over 65 we can meet your travel
insurance needs for to 365 days away or 93 days a trip for annual travel
insurance. So if you are over 65 more information about our travel
insurance for the over 65 with medical conditions policies, terms and conditions, including
cover for medical conditions.
When over 70 travel insurance is still available for up
to 365 days for a single trip, winter sports, or annual travel insurance
for 93 days a trip. Further information about over
70 travel insurance for medical conditions is available with instant quotes and buy online.
Still no problem - the over 75 can still obtain long
stay travel insurance for a year and winter sports covers. It doesn't
matter if going to the USA, Worldwide or just Europe and medical
conditions can be covered. You can obtain an over
75 travel insurance with medical conditions quote through our online quotation system and
Our unique Redwood travel insurance is suitable for
travelers over 80 with online screening for medical conditions, with
single trips for 366 days available. More information on over
80 travel insurance with medical conditions is available though our dedicated page.
Winter sports cover for travel insurance is available up
to 85. Information about winter
sports travel insurance is available including various activities,
with cheap premiums, especially for the USA and Canada.
Cheap backpacker travel insurance is available. Cover is
more limited but backpacker
travel insurance can be exceedingly cheap especially with a large