Over 50s Travel Insurance

Travel Insurance for Over 50s 

What is travel insurance for over 50s

Travel insurance is highly recommended for travellers over 50. It provides financial cover should you face any insurable events while travelling. This can include, cancelled flights, stolen goods and medical emergencies. You may find standard travel insurance will not cover your existing medical conditions. So, it’s important to find travel insurance for over 50s that can provide you with the right medical cover for your conditions. 

Access to health care in some countries and travel destinations might be more complicated than what you’re used to at home. It is important to have comprehensive coverage for your specific medical needs while abroad. 

Use our online comparison platform at Quotezone.co.uk to quickly compare the different options that are available to you. 

The best medical travel insurance over 50 policies will cover medical bills, medicines and even repatriation should you need it.  

How much does over 50s medical travel insurance cost, on average? 

The cost of any insurance policy is dependent on a variety of different factors. Some of the variables affecting the cost of over 50s medical travel insurance are listed below:  

• Your travel destination 
• Your age 
• How long you intend to travel for 
• The level of coverage you select 
• Any pre-existing medical conditions you may have 
   

As with any kind of insurance, when searching for the right cover at the best possible price, shopping around is the surest way to find a good deal. We can help take the guesswork and the hassle out of this process. 

What types of travel insurance are offered for over 50s? 

Over-50s travel insurance can cover you for a wide variety of potential financial risks when you travel outside the UK When it comes to over 50s medical travel insurance, some insurers will offer coverage for hundreds of conditions. A few examples of common conditions that are covered include:  

• Gastrointestinal conditions 
• Urinary tract infections 
• Diabetes 
• Depression 
• Cancers 
• Heart conditions  
• Asthma  

This is just a small portion of the conditions that can be covered. If you declare your condition to insurers when taking out the policy, they will be able to guide you on policies that cover you. Medical travel insurance over 50 also typically covers medical evacuation, hospitalisation, and prescription medicine.  

Over-50s travel insurance can also cover you for travel delays, cancelled flights, stolen goods, 24/7 assistance.

Which medical conditions are likely to be excluded from over 50s travel insurance? 

These vary across different insurers and policies. However, some of the conditions that are likely to be excluded from travel insurance for over 50s with medical conditions are:  

• Undisclosed pre-existing conditions 
• Some terminal illnesses  
• Cosmetic surgery or procedures 
• Alcohol or drug-related illnesses 

For more information regarding exclusions, consult your insurance provider directly. Alternatively, visit Quotezone.co.uk. We can help you find insurance quotes from multiple insurers, so you get coverage for your specific medical needs. 

How does having pre-existing medical conditions affect the cost of this travel insurance policy? 

Pre-existing conditions can impact the cost of over 50s medical travel insurance. Travel insurance for over 50s with pre-existing conditions premiums are typically calculated on your risk profile. The higher the risk the higher the premium.  

Here are some factors that impact the cost of over 50s medical travel insurance:  

• You are typically more likely to need care, so are considered a higher risk to the insurer. 
• Specialist treatments can be especially difficult and expensive to access in some countries.  
• Your treatment could take longer and require additional medical tests or ongoing treatment. 
• The risk of needing to return home for the appropriate treatment can be higher. 

It can be tricky to find just the right insurance for your needs, especially if you have specific conditions. It’s always good to compare quotes. By doing this you can eliminate the offers that don’t quite work for you. Even the ones that are too costly. 

If the cost of this policy is too high, can I take out over 50s travel insurance that excludes coverage for my pre-existing conditions? 

It’s important to know that not disclosing an existing medical condition to an insurer could result in rejected claims and even totally invalidated insurance. It is a risky choice that will put you in a precarious position if you need to make a claim.  

However, this could be an option in the case that your pre-existing condition is simply excluded from the cover, and you are not invalidating the policy. In these circumstances, there are other aspects of travel insurance you can benefit from. 

Choosing a travel insurance policy that excludes your pre-existing conditions could reduce your insurance premium. However, it will increase your list of exclusions. So, before taking this step, make sure you know what that means for your health and well-being.  

By excluding your pre-existing conditions from your travel insurance for over 50s with medical conditions policy you must know that anything to do with those conditions will likely not be covered. 

Should you need medical assistance due to any one of those exclusions, you will be expected to pay out of pocket for that. In the most extreme cases, this could even invalidate your insurance completely. So, if this is your only option, be sure to always check the policy details before you travel.  

Does the country I’m travelling to affect the cost of travel insurance for over 50s with pre-existing conditions? 

Yes, your travel destination does impact the cost of travel insurance, no matter what age you are. Some of the reasons why are: 

• Medical care costs are different in every country.  
• Local regulations differ in every country.  
• Exchange rates.  
• Certain countries or travel destinations carry a higher risk than others.  
• Some destinations might not have easily accessible medical facilities.  

Before purchasing travel insurance for over 50s with pre-existing conditions ensure that you have researched your destination sufficiently to understand the medical facilities you will have access to. 

Get an idea of the level of health care offered in that country and how medical emergencies could be handled while exploring that destination.  

Does the duration of the trip affect my premium for this policy? 

Typically, yes. The cost of travel insurance with pre-existing conditions over 50 will be impacted by the length of your trip. Some of these reasons are listed below:  

• The longer your trip, the more exposure you have to risks.  
• Cost of accommodation is more when you are travelling for a longer period which means premiums may be higher to potentially cover those costs.  
• The longer you require the cover the more the cost will increase.  

Compare as many quotes as you can and make use of our comparison platform at Quotezone.co.uk. We help you to look for the best medical travel insurance for over 50 policies for you.  

How can I find cheap over 50s medical travel insurance? 

When looking for cheap over 50s medical travel insurance, there are different steps you can follow. Here are some tips to guide you:  

• Explore the different levels of coverage – these can be single-trip, multi-trip or backpacker coverage.  
• Choose essential coverage only – add-ons like adventure cover, winter sports cover or gadget insurance can add up.  
• Higher excesses – Increasing these where you can will often reduce premiums.  
• Compare quotes – Our platform can help you compare a wide range of options and quotes. 

How do I declare my pre-existing medical conditions when applying for over 50s travel insurance? 

When applying for travel insurance for over 50s with medical conditions, there are a few different ways you can declare your pre-existing conditions. 

Here are some examples:  

• Make sure you answer each question honestly. 
• Disclose a full list of all your medical conditions and your medical history. 
• Complete the application forms carefully, ensuring you don’t miss any sections relating to pre-existing conditions.  
• Supply medical history and letters from relevant doctors if required.  

Is it true I don’t have to declare the condition if I haven’t received treatment for it in the last five years? 

Each insurance provider has their own underwriting criteria, so always check if you are unsure. If your insurer does not follow this rule, it could be treated as an undisclosed medical condition. This can lead to rejected claims and even invalidate your policy completely.  

Here are a few pointers about declaring pre-existing conditions:  

• Carefully review the terms and conditions of different policies. 
• Read through and adhere to disclosure requirements set out by the insurer. 
• Make sure you have any required documentation.