Getting the right holiday insurance for over 60s
When you’re over 60, finding the right travel insurance for your needs might seem needlessly hard.
With so many providers either not covering pre-existing conditions, or not providing the right level of cover, we’re here to help you feel confident in your insurance.
After all, making sure you’re covered should the worst happen will help you to kick-back and relax on your holiday with peace of mind.
Find out more about why we’re the UK’s Most Trusted Travel Insurance Provider by Moneywise in 2018 and get your quote today.
Call us today on 0800 033 4902 to speak to our friendly team, or get a quote to pay online below.
Why do I need travel insurance to cover my medical conditions?
Even if you think that the worst will never happen to you when you’re over 60, for some it unfortunately will.
With 1 in 20 people from 2017* claiming on their Annual Travel Insurance policy, making sure your medical conditions are declared will mean that you’re covered properly.
For policies where your medical conditions aren’t declared and covered, if something happens, your claim may not be approved.
A quick decision not to cover your pre-existing medical conditions can result in thousands of pounds worth of unexpected debt and a lot of worry.
We don’t think it’s worth the risk. Doing insurance the right way means making sure you’re covered properly.
So it’s really important that you declare all of your pre-existing medical conditions to us.
You can either use our simple online form if you’re planning to pay online, or talk to our friendly team on 0800 033 4902.
Types of travel insurance we offer for over 60s
We offer two types of insurance policy to suit you and your family’s travel plans:
Our Single Trip Travel Insurance is great for one-off trips. With no upper age limit, you can take the whole family and stay for up to 104 days at a time.
As well as saving from the inconvenience of having to reapply for cover for every trip, having an annual plan means that you can also travel as often as you like as long as you don’t spend more than 183 days away during your policy cover.
Travelling for longer?
If the above two policies aren’t long enough to cover your extended travel plans, you’ll need one of our long stay policies. For under 65s, our long stay policies allow you to travel for up to 550 days – great to explore the world if you’re testing out retirement, or time to delve into a new culture!
Here’s a simple comparison between our two levels of cover – available on both Single Trip and Annual Travel Insurance policies.
What does our travel insurance cover?
What to consider when tailoring your over 60s travel insurance
Your holiday and travel plans are unlikely to be the same as your neighbours, so why should your level of cover?
That’s why we allow our customers to tailor their policies to suit their travel plans.
You can start by picking either a Basic or Comprehensive level cover which can then be boosted to increase certain aspects to match your plans.
For example, if you’ve spent £6,000 on a fly-cruise holiday from the USA per person, then you’ll want to make sure that you’re covered for the full price.
As our Basic cover can only be boosted to £3,000, then it may be best to choose to boost our Comprehensive cover, which can be boosted from £5,000 up to £15,000 subject to further underwriting criteria.
If you are going on a cruise, then you may also choose to upgrade your comprehensive cover for cruises. This extra level of cover includes cruise-specific eventualities like missed ports.
Whatever plans you have for your holiday, it’s easy to tailor your plan where needed to make sure you’re covered.
What information will I need to have to hand to get my quote?
As we specialise in travel insurance for people with pre-existing medical conditions, if any member of your party has a condition then we’ll need to ask you a few questions about their health and medical history.
As well as the basic information about you or any person who you’re setting up the policy for, it’s a good idea to have the following information to hand when starting your quote process:
- Names of all medical conditions you have had in the past five years, or currently have. Even if you think it’s only minor, or doesn’t matter. This includes anything that you don’t take medication for.
- If and when you have ever had any of the following (even if it was longer than 5 years ago)
- Cardiovascular or circulatory condition, e.g. heart condition
- Hypertension (high blood pressure)
- Blood clots
- Raised cholesterol
- The name and doses of any medication you take.
Once you’re ready, either start your quote online, or call us on 0800 033 4902.
Get a Quote
Can my travel start from outside the UK?
For our standard policies, your travel must always start from the UK, Channel Islands or the Isle of Man.
If you’re living your dream and reside outside of the UK, then take a look at our special Expat insurance policy, where travel must always commence from your home country.
How can I make changes to my policy?
You can make any changes prior to your departure – subject to the terms and conditions set within the policy.
Whether that change is updating us with your medical conditions, to adding optional extras after you’ve pre-booked your round of golf, if we can help, we will.
What we aren’t able to do is reduce coverage in return for a partial refund so please do check that you’re happy with the level of cover.
Get your over 60s travel insurance quote today
Talk to us today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.