Over 55 travel insurance
Our travel insurance policies for travellers aged over 55 have been designed with flexibility in mind so that no matter what the destination, duration or activity, you will always have a choice of cover to protect your interests.
What we have noted is that with the NHS actively encouraging over 50-year-olds to visit their local GP surgeries to take a "Mid life Mot", this has resulted in millions of healthy people taking medication for conditions such high blood pressure and cholesterol purely as a precautionary measure.
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However, when it comes to travel insurance companies, most ask you to declare if you have ever been prescribed medication for these conditions and charge you an additional rate for full coverage.
We don't do this. If you are aged between 55 and 74 and take stable and well-controlled medication, for conditions that don't require reviews more than twice a year and provided your medication has not been increased in the last three months then your covered as standard.
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Travel insurance is not a substitute for taking out a private medical insurance policy.
Any queries, then please call as we are open 7 days a week
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In addition, most insurers ask about serious conditions in your past and ask you to declare these. What we are interested in is in the last twelve months only so if you have had say, cancer, when you were younger but have been cancer and medication free for more than 12 months then as far as we are concerned this has no bearing on the risk of insuring you and therefore we don't charge you an extra fee. It's a refreshing approach we feel.
Getting an online Quote
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Our approach has always been to offer the traveller the choice when it comes to travel insurance. Following a simple quote stage where we determine your needs, the policy options are laid out on screen in such a way that you can easily see what is covered and more importantly whats not covered under each policy.
Customers who are interested in the most cost effective options have the ability to further reduce the policy prices by removing elements such as baggage and cancellation cover and increasing the excesses.
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Did you know?
£9,000 – cost of treating a woman who suffered a severe allergic reaction while holidaying in Cyprus. (1)
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Comprehensive travel insurance for over 55s covers the policyholder for insurable events that may occur before or during travel, such as trip cancellation or journey interruption, medical expenses for injury or illness, theft of valuables, baggage damage and more.
The cost of travel insurance is based on the type of cover requested, the age of the insured, the destination of travel, the length of stay, type of activities covered and whether you have any pre-existing medical conditions.
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Did you know that?
Stable and well controlled conditions such as High blood pressure and Diabetes are covered as standard provided you don't have more than 2 reviews a year and your medication has not increased in the last 3 months. (2)
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As a company, we use a number of insurers and they each have different approaches to medical screening. In the main, their approaches have improved and we have amongst our stable of products, insurers who will cover in excess of 1,000 medical conditions.
What about the EHIC, Isn't that enough?
The European Health Insurance Card or EHIC is designed to ensure that you will receive free or reduced cost emergency medical treatment in any of the EU member countries - plus Switzerland - and is available for those aged 16 and over free of charge.
It is important to remember that the EHIC is for emergency hospital visits only and will not entitle you to any other form of treatment. It will also not cover the cost of emergency repatriation to the UK if needed and will not pay for any of the other benefits associated with a travel insurance policy including baggage, cancellation, personal liability cover, etc. To find out more about the European Health Insurance Card, please click here.
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Did you know?
The UK Government is suing some EU states for refusing to honour UK residents EHIC Cards. Travellers are forced to use cash points in Hospitals abroad to pay for emergency care upfront and told to reclaim from the NHS upon return
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Over 55 travel insurance cover is available for:
Individuals, Couples of either sex who reside at the same address and families and their dependent children
Durations between 31 days and 18 months
Cover for trips in the United Kingdom, Europe, Worldwide including Australia, United States & Canada
Travellers aged between 55 and 99
A wide range of sporting activities including skiing, diving, bungee jumping
Travellers with pre-existing medical conditions including standard cover for over 1000 conditions
The fine print
Medical coverage
Limits and Exclusions
(1) Ibid.
(2) Cover limited to the Standard, Premier, Premier+, Voyager and Voyager+ single trip and annual multi trip travel insurance policies.