OAP travel insurance, including medical conditions.
We offer travel insurance for OAPs. Our online quotation system offers a range of cheap policies and many of our policies can quote for people with medical conditions. This is why you should obtain a quote here:
Are OAPs denied cheap insurance cover?
When you are an oap over 75, many cheap travel insurance companies do not want to know you. This is especially true for many of the Direct Insurance companies who only want the young not those over a certain age.
However we are an Insurance Broker so we can offer cover for people over 75. We have access to a range of companies and we have gone to great lengths to find the best. (Actually we offer a full range of products so you can obtain quotes for single and annual policies, long stay, winter sports, GAP years or whatever.) If you call us we even offer travel insurance for a cruise.
Insurance cover for Medical Conditions
As you get older e.g. over 75, 70, 75, 80 etc, there is an increasing likelihood that you will need insurance for pre-existing medical conditions. Many cheap internet-based travel insurance companies exclude the above 65 and all medical conditions - but we differ.
If neither you, nor your relatives, nor anyone travelling over with you, have any medical conditions then there is obviously no problem. Just obtain the cheap quote and buy online. We will send you the full policy / schedule electronically and the schedule the next business day at the latest.
If you have minor medical conditions then we aim to make life easy. Beside each quote is the contact details of the medical screening line appropriate to the policy. All you have to do is to contact them and obtain terms - once you've found the best terms then you can buy the policy.
However many people want to travel who have serious medical conditions. If the nature of the medical conditions are such that you find travel insurance almost impossible to obtain then we can help. When you go to our quotation system, select the <serious medical condition> option and a link will open. This policy will accept 98% of all medical conditions - the main exclusions being a terminal prognosis for less than 6 months, travelling against advice/ to receive treatment. The policy can even cover you if you are wanting treatment.
A travel insurance policy has many sections: travel abandonment, travel cancellation, travel curtailment, delayed travel baggage, insurance for medical expenses, travel delay, personal accident, personal money and insurance for your personal posessions.
Maximum length of trips
If, as an oap you want travel insurance to cover only a single trip then we have no effective age limit. In practice we can provide travel insurance for up to 365 days up to age 85 and 90 days for people over.
If you want a cheap annual trip then even if you are over 75, we offer cheap travel insurance cover for you up to the age of 85. Again the maximum numbers of days we can cover per trip will be limited - to 31, however the younger person can obtain cover up to 60 days without any problem.
Although you may have been looking at one specific type of policy, you may like to know that we offer a full range of policies to meet the demands and needs of most people in the UK. Examples Include.
May we remind you that you have a duty to disclose all material facts when applying for an insurance policy, at renewal or when they change. Failure to disclose a material fact can result in a policy not protecting you should you have to make a claim. If you are in doubt whether a fact is material then you should contact us.
B. Portwood and Company are insurance brokers so we can advise over a range of policies, long stay, or annual. Please call us on 0844 8262617 if you need help. The policies discussed above would probably be suitable to meet the demands and needs of the elderly (65 +) needing cover on journeys or people with medical conditions.