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Over 65 Travel Insurance and Medical Conditions

For people over 65 with medical conditions needing travel insurance

As specialists in the over 65 travel insurance market, we aim to help travellers with existing medical conditions. Since existing medical conditions vary, it is not possible to provide a table of premiums, however a wide range of conditions, ranging from the relatively minor such as high blood pressure or raised cholesterol to enlarged prostate, bladder cancer, previous heart attacks are all conditions for which travel insurance has been provided.

The importance of disclosing information

The quickest and easiest way for the over 65 with medical conditions to buy insurance is through our main website : Redwood. Offering special travel insurance for the over 65 - with or without medical conditions cover is available for up to 12 months on a single trip - up to the age of 85 or for up to 93 days a trip for annual travel insurance - up to 74.

Travellers aged over 85 or over 75 and wanting annual travel insurance should first of all obtain a quotation from our  travel insurance quotation system where you will be provided with contact details of the appropriate screening line.

Examples of pre-existing Conditions we can cover

  • Angina 

  • Asthma & respiratory 

  • Arthritis

  • Cancer (general and breast cancer)

  • COPD

  • Depression, anxiety and stress disorders

  • Diabetes / Diabetic 

  • Disabled conditions / disabilities

  • Epilepsy / epileptic medical conditions

  • Heart Bypass

  • Heart attack 

  • High blood pressure 

  • High cholesterol 

  • Hypertension 

  • Stroke 

  • High risk 

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.

To our online Travel Insurance Quotation System 
(medical conditions, over 85,  (over 75 annual), single trip, winter sports etc)

If you want travel insurance to cover medical tourism i.e. going abroad to obtain treatment then click here

If you want medical cover only.

If having medical conditions, travellers may be put off buying travel insurance as the premium is loaded - even for other aspects such as cancellation or baggage. Large discounts are available if cover is not needed e.g. you can save 15% by not including baggage and 20% by excluding cancellation.

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 else 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.

Age limits

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, usually defined as travel for more than 30 days is available though this is for the younger (i.e. under 70) traveller. 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.

Internet policies

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.

Back to our main cheap travel insurance page

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travel insurance quote link Quotes for travel insurance for people with medical conditions.

For more information on travel medical insurance contact B. Portwood & Co Ltd. As insurance brokers have been in business advising customers on the relative merits of medical insurance policies for more than 40 years. We are always willing (if you call us on 0844 8262617) to discuss your requirements and find the most suitable cover we can obtain for your needs.