Travel insurance for over 65s and medical conditions

Money Advice Service

You may need extra travel cover if you’re over 65 or if you have a pre-existing medical condition. Find out how to get the cover you need at the right price.

Travel insurance if you have a medical condition

What is a ‘pre-existing medical condition’?

This term covers a lot – from allergies to broken bones.

Different insurance companies have different definitions, but your insurer is likely to consider any of the following as a pre-existing medical condition:

  • Any condition you are waiting for an operation on
  • Any condition that you’re currently awaiting test results for
  • Any condition, even a minor one, that you’ve seen a doctor about in the last year
  • Any serious condition – cancer, heart trouble, respiratory problems – you have ever had

They will also want to know if you’re currently taking any medication.

You might also be asked whether any of your relatives or close business colleagues have medical conditions – even if they are not travelling.

(If they do and you have to cancel your trip because of their condition, you will probably not be covered.)

You’ll need to declare all pre-existing medical conditions when buying travel insurance.

If you’re not sure whether to declare, don’t assume it’s covered, always ask your insurance company.

Otherwise you risk having your claim rejected.

Some policies will not cover your medical condition.

Others will give you cover but charge extra for it.

Where to get travel insurance if you have a medical condition

What to watch out for when buying travel insurance covering your medical condition

If you’re buying online, most insurers will ask you to call a number or fill out a form giving your medical history.

Always call if you are unsure about anything.

  • Check whether any medical equipment you’re taking with you is covered.
  • Make sure you get a 24-hour helpline to call in case of a medical emergency abroad.

Travel insurance for over 65s

Over 65?

Which? research shows the importance of shopping around if you’re over 65, as some policies can be more than double the price of similar cover.

By spending a little extra time on research, you can usually find a policy that offers generous cover at a good price, even if you’re over 65 and have a pre-existing medical condition.

How to get the best deal on travel insurance for over 65s

  • Depending on how often you travel you might want to consider a multi-trip ‘annual’ travel policy as these policies could work out cheaper in the long run.
  • If you’re taking a cruise, a cruise policy might work out cheaper than a single trip policy – and can have higher age limits than standard insurance.
  • If you’re having trouble finding a policy you might get cover if you have a premium bank account that offers free travel insurance. Check the age limit and that it covers pre-existing medical conditions. Just make sure the annual charges on the bank account don’t add up to more than the cost of a travel insurance policy.
  • Do some thorough research online – don’t just head to comparison sites as many travel insurers don’t use them and you might not be able to get quotes if you have existing medical conditions.

Where to get travel insurance if you’re over 65

If you’re still having trouble finding a policy, an insurance broker might be able to help:

See Which? best buy tables for travel insurance for over 65s:

This article is provided by the Money Advice Service.

Some important information about Rest Less Money

We want you to understand the positives, but also the limitations of using our site. We operate in a journalistic manner and therefore all information, guidance or suggestions provided are intended to be general in nature, and you should not rely on any of the information on the site in connection with the making of any financial decision.

When we set out to build Rest Less Money, we wanted to be a trusted place where you could find helpful information about financial matters affecting the over 50s. As a free to use resource, we try hard to provide the best information we can, but we cannot guarantee that we won’t occasionally make mistakes. So please note that you use the information on our site at your own risk, and we can’t accept liability if things go wrong.

Key things to remember when using Rest Less Money:

We do not offer financial advice – As a journalistic site, it’s important to know that we do not provide financial advice. You should always do your own research before choosing any financial product so that you can be certain it is right for you and your specific circumstances. If you are in any doubt, please seek professional financial advice from a regulated financial advisor.

No Liability – please note that you use the information on Rest Less Money at your own risk and we can’t accept liability for how you choose to use the information given on our site. We will often provide links to content or products and services available on other third-party websites. These are provided purely for your convenience and we cannot be held responsible for any content, or any of the products and services offered on any website that we link to.

 

Accuracy of Information – We try to make sure that all the information provided on Rest Less Money is correct at the time of publishing as we want it to be the most helpful resource possible. Sadly, we are not perfect however, and so we can make no guarantees as to the completeness, accuracy, adequacy or suitability of the information available on the site.
Whilst we work hard to try and provide accurate information, deals and prices can change, so whilst they may be correct at the time of writing, providers may subsequently decide to alter them later – so always double check first.

A final note on the Rest Less Community Forums – always remember that anyone can post their opinion on the Rest Less Community Forums, so it can be very different from our own opinion and may not be factual or well researched. Always be wary of any content posted on the forums and be sure to do your own research and due diligence on anything suggested. 

We hope you find Rest Less Money a useful resource and we would welcome your feedback at [email protected] on how to make it even better. For more information on any of the above you can read our full terms and conditions.

Share on facebook
Share on twitter
Share on linkedin
Share on whatsapp
Share on email

Get the latest ideas, advice and inspiration​

No spam. Just useful and interesting stuff, straight to your inbox. Covering finance, learning, jobs, volunteering, lifestyle and more.

By providing us your email address you agree to receive emails and communications from us and acknowledge that your personal data will be used in accordance with our Privacy Policy and Terms and Conditions. You can unsubscribe at any time by following the link in our emails.

Join Rest Less for free

Rest Less is the UK’s fastest growing site for the over 50s, focusing on finance, learning, careers, volunteering, lifestyle and more. 

Good luck with your application

Before you go, we’d love to stay in touch to find out how you get on. Sign up to Rest Less today to get the latest volunteering, careers, learning, financial planning and lifestyle resources sent straight to your inbox.

By providing your email you agree to receive emails and communications from us and acknowledge that your personal data will be used in accordance with our Privacy Policy and Terms and Conditions. You can unsubscribe at any time through the link in our emails.

Good luck with your application

Before you go, we’d love to stay in touch to find out how you get on. Sign up to Rest Less today to get the latest jobs, learning, volunteering, financial planning and lifestyle resources sent straight to your inbox.

By providing your email you agree to receive emails and communications from us and acknowledge that your personal data will be used in accordance with our Privacy Policy and Terms and Conditions. You can unsubscribe at any time through the link in our emails.