It may cost more because you’re considered more likely to make a claim. But when you weigh up the costs of medical care abroad, it’s certainly worth the extra money. For example, hospital treatment for a heart attack in the USA could set you back as much as £75,000 if don’t have the proper insurance.
It’s vital that you declare any pre-existing medical conditions when you apply for travel insurance and give insurance providers all the information they need, otherwise your policy may be invalid should you need to make a claim.
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Will I be covered if I have a pre-existing medical condition?
When you're over 60 it is possible to get travel insurance with a pre-existing medical condition, however it can depend on two factors:
- the nature of your condition
- the individual provider
What factors can affect the cost of my travel insurance policy?
There’s a variety of factors that go into calculating the cost of over 60s travel insurance, and they tend to vary between providers. However, the main ones are:
- pre-existing medical conditions – the more serious it is, the more it could affect the cost of your premium
- your destination – over 60s travel insurance is usually cheaper for Europe than long haul destinations, such as USA and the Caribbean, as medical care is typically more expensive in those areas
- the length of your trip – from an insurance provider’s point of view, the longer you’re away, the higher the chance of something going wrong
Where can I find over 60s travel insurance?
Choosing a policy that’s right for you can be a complicated process, especially if you need extra cover for various reasons. We make comparing and finding the right travel insurance a quick and painless process. Just give us your details and we’ll send you a range of insurance providers to compare and choose the one that most suits your needs.
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