Living life to the fullest, spending time with loved ones, and traveling the globe have no age limit; but the need to get the correct travel insurance for over 80s in the UK increases as we get older, but it can be difficult to locate, particularly if you have pre-existing medical conditions. This article will shed more light on how travel insurance for over 80s and travel insurance for over 80s with pre-existing medical conditions work in the UK.
What Is Travel Insurance For Over 80s in the UK?
Travel insurance for over 80s in the UK refers to single-trip or annual multi-trip policies that cover older folks in this age group. Age should never be a barrier for people who want to travel overseas; while medical coverage will usually be slightly more expensive due to the increased likelihood of someone over the age of 80 becoming unwell when traveling abroad compared to younger people.
Whether you want to relax on the beach, hike through the countryside, or sightsee in a bustling city, retirement can frequently provide extra time and opportunities for a vacation.
However, if you’re over the age of 80, the cost of travel insurance for over 80s in the UK can be too expensive.
Understanding your way around the market for over-80s travel insurance will help you save money and keep your vacation habit going well into your golden years.
Are There Different Levels Of Over 80s Insurance Cover?
You’ll see that coverage varies a lot from one provider to the next. For example, one provider may provide better medical coverage than another, which is why our online quote comparison tool is so helpful to clients, as it allows you to compare rates and see where the greatest value is.
The price will vary depending on these aspects; so keep that in mind when comparing. If necessary, you can also add additional device coverage to your policy.
You can also purchase additional cruise coverage if you’re going on a cruise vacation. What are the chances? You might not have put your ski jacket away for good yet. In that scenario, you can extend your policy to include winter sports coverage.
What’s not Covered By over 80s Travel Insurance?
Exemptions differ from policy to policy. It depends on the service provider.
The following are some of the most prevalent exclusions that people in their 80s may face:
- Undeclared medical issues: You must make a claim for your pre-existing conditions when purchasing the coverage. If you don’t, they won’t be covered if you file a claim.
- Undeclared activities: The same may be said for any activity that has the capability to destroy.
- Undeclared belongings: Some policies may not cover you for non-medical items that are extremely valuable.
- Unattended or unprotected belongings: Some suppliers may argue that certain items must be secured in order to be claimed.
How Much Does Over 80’s Travel Insurance Cost?
As travel insurance policies are tailored to you and your needs, the cost will vary depending on your circumstances, destination, and duration of the trip, as well as how far ahead of time you book coverage. It’s important to remember that travel insurance for people over 80s is there to cover unanticipated costs like medical fees if you require emergency treatment while on vacation. These bills can easily run into the thousands; so knowing you have proper travel insurance in place is reassuring.
Tips When Buying Travel Insurance Over 80
Tip 1: Buy travel insurance as soon as you’ve booked a holiday
Our top tip is to buy your travel insurance as close to booking your holiday as possible to help cover any ‘just in case’ circumstances – such as last-minute cancellation or pre-trip illness.
Tip 2: Don’t forget to add your traveling companions.
If you insure yourself individually rather than as part of a group; you may find that you aren’t fully covered if your trip is canceled or curtailed due to a pre-existing medical condition of another member of your group. If your companions, on the other hand, have no pre-existing medical conditions, adding them to your policy will simply provide them with additional protection.
Tip 3: Check the length of trip duration on annual
Make sure to verify your annual policy for the max number of days permitted per trip. If you plan to travel for longer than 31 days, you may require single trip coverage for over 80s to cover a longer period of time; usually up to 60 days. In some cases, carriers may not be able to provide annual coverage at all; in which case we recommend looking for a single-trip policy instead.
Does The Cost Of My Over-80s Travel Insurance Depend On Where I’m Going?
This isn’t related to your age, although policy premiums do vary based on where you live; as various countries offer cheaper or more expensive medical care. For example; medical treatment in Spain is far less expensive than in the Uk.
What Activities Are Included In Your Over 80s Travel Insurance?
 The insurer wants you to be able to enjoy the local activities without restriction. You’ll be covered for everything from jet skiing to scuba diving to cycling and hiking. Regardless of your age; the policies cover more than 50 sports and activities. If you want to be a little more daring, you can even add coverage for more extreme activities.
Why Is Travel Insurance For The Over-80s More Expensive?
Travel insurance for people over the age of 80 might easily cost three or four times as much as for younger friends and relatives. Although you may not consider yourself a riskier traveler; insurers base their pricing on claims data from people over the age of 80.
Health problems are more common in people over the age of 80; the danger of major disorders like heart attacks and cancer increases as we age. This not only means that insurers will see more claims for medical crises from this age group; but they will also need to provide a higher level of coverage.
There are fewer insurers to select from, and many of them have an upper age limit of 65 to 79 years old. Unfortunately, the absence of competition raises the cost of travel insurance for anyone over the age of 80.
How Does Cover On Travel Insurance For The Over-80s Differ?
Along with all of the regular features of any policy, such as personal items, cancellation, and legal protection, travel insurance for people over the age of 80 usually includes far more comprehensive health coverage.
This includes coverage for pre-existing conditions in case you require emergency medical treatment while overseas; as well as if you need to cut your vacation short while awaiting treatment, such as a kidney transplant, back home.
Over-80s travel insurance also recognizes that, due to health issues, it may be required to travel with medication, walking assistance, and other medical equipment. This will also be covered in the event that it is misplaced, stolen, or destroyed.
Can I Take The Risk of Traveling Without it?
From a legal standpoint, you can, but if something goes wrong, it may be a very costly omission. In the UK, heart bypass surgery can easily cost over £100,000, yet having your appendix removed in Alicante could cost you £4,000 or more.
If you require an air ambulance to transport you home, be prepared to receive a cost in the five-figure range.
I’ve Got a Variety of Health Issues. Will I Need to Tell My Insurer About all of Them?
When it comes to pre-existing medical issues, honesty is the best policy. Travel insurance providers for the over-80s are professionals in understanding various health issues and providing consumers with peace of mind. If you don’t notify them about something; and you need care for it or a related ailment while you’re away, your claim may be denied.
It’s also crucial to tell your insurer if you develop any new health problems between purchasing coverage and traveling on vacation. This will provide you the assurance that if something unexpected happens while you’re away; you’ll be insured.
If you’ve accumulated a number of different medical issues; it’s a good idea to contact a travel insurance broker that specializes in pre-existing medical condition coverage. Their knowledge of the market will allow them to select the appropriate coverage for your trip.
When Should I Arrange My Travel Insurance?
It’s usually a good idea to get your insurance in place as soon as you book your vacation or travel arrangements. If you do this; you’ll get protection right away if you have to cancel your vacation due to an unforeseen event like an illness or a loss.
Travel Insurance For Over 80s With Pre-existing Medical Conditions
Travel insurance for over 80s with pre-existing medical conditions can also be covered for anyone over the age of 80.
A pre-existing medical condition is one for which you have already been diagnosed or treated before purchasing travel insurance. This could be a current health condition or one that you had in the past but no longer have. While most pre-existing health issues must be disclosed if they were diagnosed or treated (including repeat prescriptions) during the last two years, other conditions, such as heart or respiratory conditions, must be disclosed if you have ever had them.
Whenever you’re going on vacation, insurance is one of the last things on your mind, regardless of your age. However, as you become older; choosing the correct policy becomes more challenging, especially if you have pre-existing medical conditions.
Insurers take pleasure in taking into account any medical conditions you may have; they never rule out a condition without first discussing it with you.
They will always try to figure out if they can cover you for any and all medical conditions, as well as how much it will cost. Some conditions will be covered at no additional cost, but if it’s something they frequently payout for, there may be an additional charge.
It’s critical that you declare all pre-existing conditions on your policy. If you need medical treatment in another country, this will save you a lot of money. If you fail to declare any pre-existing medical issues; your policy’s validity may be affected if you need to file a claim.
Compare the Best Deals and Get Cheap Over 80s Cover
We recognize and acknowledge that over 80s travel insurance may appear to be more expensive than in previous years.
You may be tempted to choose a less expensive policy with limited coverage; however, we always advocate thoroughly researching plans to find the best bargain, as you need the correct level of coverage to be adequately covered.
We compare prices from over 30 leading medical travel insurance providers to make the process as simple as possible for you.
Can over eighties get travel insurance?
While some insurance companies may have age limits of 79 or lower, travel insurance for over 80s does exist, but it might be difficult to find because fewer insurance carriers provide it. Comparing the market makes finding the perfect provider simple.
Can an 86 year old get travel insurance?
You can also buy insurance for your personal belongings, vacation cancellations, and more. If you’re over 80 and planning a trip, you should check for over-80s travel insurance because most policies have an upper age limit ranging from 65 to 79.
Is there an upper age limit for nationwide travel insurance?
This policy will only cover journeys that begin and end in the UK. There is a 69-year-old age limit. If any covered individual is 70 or older, you must purchase an age extension, which must be renewed every year in order for us to continue to cover you. Per account, only one age extension is required.
