For many people travelling is what retirement is for. But many older people cannot afford to visit family abroad because of expensive travel insurance premiums charged against them. Whether you are over 60, over 65 or over 70, travel insurance companies usually charge older travellers more, regardless of their health.
Medical costs abroad can be very expensive and, without adequate insurance cover, you can end up facing financial ruin if you suffer from a health-related problem while abroad. So it makes sense to be covered.
There are numerous different options to help you choose the travel insurance you need when you get older, including ways to find the best medical travel cover available on the market today.
The good thing about travelling abroad when you are fully insured, but perhaps not in the best of health, is that you can relax and leave your worries behind you. After all that is what holidays are about!
Something to bear in mind when looking for relevant travel insurance to cover a specific health condition is to remember that you should always tell the truth when making an application for insurance. If you do not reveal your full state of health and make a claim on your insurance at a later date, it could be invalid and you'd be left to cover full medical and repatriation costs back to the UK.
Also bear in mind that there are few companies willing to offer annual policies to the over 70s, so as there are fewer they may well charge you and be more restrictive than opting for single trip policies.
In order to make an accurate assessment of your risk, an insurance company will ask for your medical history in order to tailor the insurance to your specific case.
The price you pay for travel insurance with medical conditions can vary widely depending on the specific type of illness or circumstances.
Travel insurance when you are over 70 can be purchased in many ways. You can even get a quote for pre-existing medical travel insurance, or for older people's travel insurance, online or over the telephone. These days there are numerous platforms available, so purchasing travel insurance when in bad health is a procedure that can be solved within minutes.
This content was last reviewed on 20/12/2023