Senior travel / travelling with pre-existing medical conditions
Comparison quote sites can offer some great deals, but if you have medical problems or are looking for over-65 travel cover, it’s a decision that should not be rushed.
At HMIS, we believe in fair cost-effective travel insurance and getting travel insurance that fits your personal circumstances should be your aim. Whilst we have tried to design our website to be as user friendly and informative as possible we appreciate that sometimes (in fact often) customers prefer to speak to a real person. Feel free to pick up the phone and call us; you will be able to speak with someone who is sympathetic and well informed, and who really wants to help you.
When you’re 65 years old over, you feel young at heart and you know the world is your oyster. However, most of the insurers tend to think that:
- Older people are more likely to fall ill or have an accident whilst away from home and therefore more likely to have a claim.
- Senior travellers are also perceived as being at increased risk if they partake in activities such as winter sport.
- You have pre-existing conditions which therefore could be carrying expensive medical equipment or medication.
BUT it is never advisable to travel without a proper insurance
- Buy insurance as soon as you book your trip
- If you go away regularly, an annual multi travel policy might be more suitable and more economic
- Include your travelling partner on the same policy.
- Check with your Doctor that you are “Fit to Travel”. If you have struggled to find cover elsewhere, we can help you.
What to look out for:
- It’s not always about cost
- Search for good medical coverage
- Price comparison –if looking at price comparison websites, remember not all insurers are listed on such websites
- Adequacy of cancellation and curtailment benefits
- Policy excess
- Baggage – per item limit
Understanding pre-existing medical conditions
Medical claims and expenses are the biggest liability for travel insurance. If you have a pre-existing condition, you could be put off travelling because you may think that insurance will be prohibitively expensive – this is not necessarily the case.
- There is no escaping the fact that travel insurance with pre-existing condition cover will cost more than if you are in perfectly good health.
- The cost of insurance will depend on the nature and severity of your condition and on where you are travelling to; it will depend on the severity, the current treatment, the time since diagnosis and any ongoing treatment.
- If you have a pre-existing condition, an insurer will want to know if you have recently been prescribed medication, received treatment or had consultation with a doctor or specialist.
You cannot choose to exclude any medical condition in relation to your declaration of pre-existing conditions. Your focus should be on what is right for your circumstances. Regarding existing medical conditions, they can be classified as:
- Conditions that can be automatically covered
- Conditions which can be assessed – in such cases an online assessment can be made
- Conditions which cannot be covered
If your existing medical condition is stable and meets the insurers application criteria, you are fit to travel and are not travelling against medical advice, you have not been advised of a terminal prognosis and can provide a “Fit to Travel” Letter from your Doctor we should be able to help you.