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Over 80s Medical Travel Insurance 

Over 80s medical travel insurance is very important for an older traveller. Travel insurance provides financial assistance in the event of a medical need abroad. Finding the right policy means you get the cover you need for peace of mind and safety. 

Some countries or travel destinations have less easily accessible health care than you might be used to at home. 

Use our comparison platform at Quotezone.co.uk to quickly compare the different options that are available to you. Using our easy-to-use platform increases your odds of finding the best medical travel insurance over 80.  

Why is medical travel insurance a good idea for individuals over the age of 80? 

There are many reasons why comprehensive medical travel insurance for over 80s is important. A few of these reasons are listed below:  

• Older individuals carry a higher level of risk of needing medical care. 
• Healthcare in other countries may be very expensive. 
• Emergency assistance is important in an unfamiliar environment should something happen while you are travelling. 

How does having pre-existing medical conditions affect my travel insurance options if I’m over the age of 80? 

Travel insurance for over 80s with pre-existing conditions can sometimes be tricky. Some of the reasons why are listed below:  

• Availability of cover options may be limited if you have pre-existing conditions. 
• You might need to undergo additional medical screening.  
• Costs might increase due to higher risk.  
• You might face more exclusions on the policy. 

Make sure you do your due diligence and shop around. At Quotezone.co.uk, we help you find insurers who specialise in over 70s travel insurance with preexisting medical cover. This lets you compare different options to find one that works best for your circumstances.  

Is there a maximum age limit for purchasing travel insurance, and does it vary from one provider to the next? 

Insurance policies are usually calculated based on your risk profile. The older you are the higher your associated level of risk. Travel insurance with pre-existing conditions over 80 policies will differ from one insurer to the next. 

Some insurance premiums might have an age limit of 85. Others might have no age limit. Find the policy that will cover you and your medical conditions at Quotezone.co.uk now. We offer UK-wide options that specialise in preexisting conditions and over-80s.  

How can people in their 80s find cheap travel insurance if they have medical conditions that must be declared to the insurer? 

Finding travel insurance for over 80s with pre-existing conditions can sometimes be tricky. However, if you are diligent and do sufficient research you will find a policy suitable for your needs and budget. 

Listed below are a few pointers to find cheaper cover:  

• Consider the length of your travels as longer holidays often mean more expense.  
• Give clear and honest details when declaring pre-existing conditions.  
• Research the risks involved with different travel destinations. Risk factors outside of your medical needs are also considered in your premium calculation.  
• Consider choosing higher excesses if financially viable. 
• Consider all travel policies including single, multi-trip, backpacker and group policies.  

How do I declare my pre-existing medical conditions when applying for over 80s travel insurance? 

Depending on which insurer you choose to use, processes may differ. Here are some examples of ways to declare your pre-existing conditions when purchasing comprehensive medical travel insurance for over 80s:  

• Complete application forms correctly and in full, make sure you don’t miss any sections relating to pre-existing conditions.  
• Answer all questions as honestly as possible. 
• Supply all your medical history and letters from relevant doctors if you are required to do so.  

Does the country I’m travelling to affect the cost of travel insurance for over 80s with pre-existing conditions? 

Absolutely, yes. Your travel destination does impact the cost of over 80s medical travel insurance. Here’s why:  

• Medical care costs differ from place to place. 
• Medical facilities also vary, inadequate facilities increase the likelihood of needing relocation in the event of needing adequate care. 

• Some countries pose their own medical risks like dengue fever. 

Before purchasing travel insurance with pre-existing conditions over 80, make sure you research the specific destination you will be travelling to. 

Establish an understanding of the level of health care offered in that country and how medical emergencies are handled. 

Does the duration of the trip affect the premium I’ll have to pay for my over 80s medical travel insurance? 

Yes. The length of time you plan to travel does affect the cost of travel insurance for over 80s with pre-existing conditions. This is due to a few different reasons. Some of these reasons are listed below:  

• The longer you are travelling, the more exposure you have to risks.  
• The cost of accommodation is more when you are travelling for a longer period which means premiums must be higher to cover those potential costs.  

If you are planning to travel and you are over 80 years old, make sure you plan well. Part of this is to compare various quotes. This way, you will be better equipped to find the best medical travel insurance over 80 policy for your specific needs.  

Can I take out an annual medical travel insurance policy if I’m in my 80s? 

Yes. You can purchase an annual travel insurance policy if you are over 80 years of age. The process and requirements might just differ from one insurer to the next. 

Below are a few points to consider when looking for annual medical travel insurance for over 80s: 

• This could save you costs if you plan to take multiple trips a year when compared to multiple single-trip policies.  
• Consider the geographical areas covered in the policy and if all your desired destinations are included.  
• Be aware of how your medical needs will impact potential care in all destinations.  
• You still need to disclose preexisting conditions to the insurer.  
• If you develop new conditions over the course of the policy you will need to inform your insurer.  

If my husband and I take out a couples travel insurance policy how will that affect the cost of our over 80s medical travel insurance? 

Purchasing couples over 80s travel insurance can assist with the cost of medical travel insurance for preexisting conditions. 

Couples might be eligible for discounted rates, combined levels of cover and extra benefits. Insurers will consider your age and health status when you apply for this type of insurance policy.  

Do travel insurance policies for over 80s with medical conditions cover things like emergency medical evacuation or repatriation? 

Yes. Over 80s medical travel insurance generally covers medical evacuation and repatriation. This means that if you face a medical emergency while travelling, the insurer could help you get back to your home country. 

Every insurer and policy will differ slightly. It is recommended that you compare as many policies as possible to find the one that suits you best. 

If you are looking for travel insurance for over 80s then Quotezone.co.uk is here to help. Compare multiple insurers from our panel of UK-based insurance specialists.