Over 65s Travel Insurance Guide Discussion 15 April 2015 at 3:49PM edited 30 November -1 at 1:00AM in Overseas Holidays & Travel Planning 36 replies 17.7K views

Cymroma

Can anyone recommend a travel insurance company for a 90 day holiday trip to Thailand for a
71 year old.

harz99

Dewpoint wrote: »

Holidaysafe Lite fell at the first hurdle for me. It refused to quote for a 180 day trip to Spain (65+) and would only consider insuring a trip up to 120 days at an extortionate premium (£188+).
Holiday insurance is a rip-off.

Completely disagree!


Having been hospitalised in Tasmania, at a final cost including operation, convalescence, repatriation and sundries approaching £40,000, I was mighty glad to have Insurance that covered the whole thing.

Harmattan

Check the small print carefully and ask questions. I moved to Holidaysafe a year ago and 8-9 months on came off the ferry on a motoring holiday in Spain feeling rough enough to head straight for a check-up. To decide which clinic I rang Holidaysafe to check if they have any preferred clinics in Bilbao and had to go undergo questioning on the trip until they asked my return date. As it was a 3-4 week trip I hadn't booked the return as it could be from any French port. I was immediately told my travel insurance did not cover me because I should have fixed departure and return dates. I cannot find this in their published material. As it was all I needed were some antibiotics from a very efficient local public hospital that simply took my EHIC card number. On setting up the policy I managed to notice that walking on hilly footpaths off public roads was not covered unless extra was paid! Interestingly they never bothered to send me a reminder that the policy has expired!

Katiehound

Cymroma wrote: »

Can anyone recommend a travel insurance company for a 90 day holiday trip to Thailand for a
71 year old.

Don't know if you have solved your problem but one company to try is Explorer Travel- they are very reasonable for annual insurance

https://www.explorerinsurance.co.uk/quote-single-trip

RBEssex

Last year Holidaysafe charged £155 for worldwide couple of 68years old before extras for pre existing conditions. This year it's £159 BUT EXCLUDES MEXICO.If you want to include Mexico it goes up to £581 yes £581.

EssexExile

RBEssex wrote: »

Last year Holidaysafe charged £155 for worldwide couple of 68years old before extras for pre existing conditions. This year it's £159 BUT EXCLUDES MEXICO.If you want to include Mexico it goes up to £581 yes £581.

Have other insurers put up the premium for Mexico? It's not a very nice place at the moment.

Kellmorris

I am booked to go to India next March with some friends. I am sharing a room with one of the friends, she is now indicating that she may not go because of some health issues. If I rael alone it means I will have to pay a single supplement of £700. Is there an insurance policy that will cover this?
Jackie

maman

Kellmorris wrote: »

I am booked to go to India next March with some friends. I am sharing a room with one of the friends, she is now indicating that she may not go because of some health issues. If I rael alone it means I will have to pay a single supplement of £700. Is there an insurance policy that will cover this?
Jackie

Do you mean a policy that would cover your friend if she found that she wasn't well enough to travel? That would apply to most policies provided she declared her issues when she took out the policy. You'd need to take out policies (both of you) as soon as you book.

I'm not aware of any that just cover single occupancy.

Yogayogi

Hi,
Retired people often have the time and money to do extended trips: 2 months, 3 months, 4 months, 5 months, 6 months.

None of the stuff I've found on MSE actually helped me find a willing insurer to cover such a trip.

The suggested "Backpacker insurances" don't accept people over age 60.
The traditional travel insurance policies (whether single or multi-trip) don't cover trips longer than 30 or 45 days (or at all, depending on your age). Even World Nomads won't cover over age 64!

if someone is fit and healthy enough - and confident enough in their travel "smarts" - to choose to go traveling for an extended length of time (NEWSFLASH: MANY of us ARE), why do insurers decline these trips as a bad risk? Surely they can make good money out of us?

I'd argue frequently travelling/travelled over 65s are often a much better risk than those who holiday abroad only once a year and so are unused to the foreign food, the climate, the hazards, the different dangers abroad, keeping healthy, protecting possessions.
I've travelled to over a hundred countries and only once needed to make a claim, small at that.

SO . . . Plse does anybody know of any insurers offering extended trip insurance to over 65s?
Thanks
YY

(Plus surely not all MSE staff are youngsters?)

.

Katiehound

Sorry I don't know the answer to your question but there have to be insurers out there that cover an extended trip.
Why do I say that?
Because there are world cruises for give/take 120 nights and the cruise lines insist on insurance cover.

They probably are on the dear side........but it might be worth looking to see who Fred.Olsen and Cruise & Maritime state are their preferred (insurance) partners.