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by Sarah Forster
-2 June 2023
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Comparing Travel Insurance Policies for Over 85s with Pre-Existing Medical Conditions
Compare several insurers in one place and arrange your Travel Insurance in just a few minutes with Just Travel Cover. By working with several insurers we are able to provide cover for all ages, including those over 85 and living with pre-existing medical conditions.
This page was last updated on 02/06/23.
Just Travel Cover offer a range of Travel Insurance options for holidaymakers over 85 and living with pre-existing medical conditions, these include:
- Heart & Circulatory: Including conditions such as angina, angioplasty, atrial fibrillation, cardiomyopathy, high blood pressure, pacemaker, and stroke.
- Autoimmune: Covering conditions such as diabetes, HIV, lupus, and multiple sclerosis.
- Cancer: Including breast cancer, skin cancer, lung cancer, lymphoma, prostate cancer, and other types of cancer.
- Mental Health Conditions: Such as anxiety and depression.
- Digestive: Covering conditions like Crohn’s disease, gallstones, hernia, and other related conditions.
- Respiratory: Including asthma and chronic obstructive pulmonary disease (COPD).
At Just Travel Cover we understand the importance of providing quality Travel Insurance that you can rely on if you need it. Our policies are tailored to address the specific needs of individuals over 85, offering peace of mind during your travels. When comparing Travel Insurance, consider the following:
1. Your Pre-Existing Medical Conditions: Just Travel Cover specialises in providing Travel Insurance for people with pre-existing medical conditions. Declare these when getting a quote to ensure you’re covered for any emergency medical care you need.
2. Personalised Quotes: Our aim is to provide a quote based on your own circumstances, so not just your age and medical history, but where you’re going, how long for etc.
3. Compare multiple insurers: We work with a number of insurers with the aim of being able to help every type of traveller and holiday. Each insurer has different cover limits and prices will vary – there’s usually a bronze, silver and gold option – we’ll show you these in price order so you can choose the right policy that meets your needs.
4. Medical Specialist: We are medical specialists and have insured more than a million passengers over the years, prioritising expertise in addressing pre-existing medical conditions. Our policies cater to the specific needs of individuals with pre-existing medical conditions.
5. Outstanding Customer Support: We have more than 16,000 reviews where 95% of people would recommend us. We pride ourselves on good old fashioned customer service and you’re welcome to call us if you prefer to speak to someone than get a quote online.
Find the Right Travel Insurance for You
If you’re over 85 and have pre-existing medical conditions, you can get a quote online or over the phone today.
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FAQ’s
Do I need to declare pre-existing medical conditions for Travel Insurance over 85?
Yes, it is essential to declare any pre-existing medical conditions when obtaining Travel Insurance. Disclosing your pre-existing medical conditions ensures that you’re covered for emergency medical expenses relating to your condition or anything linked to it. . Failure to declare your medical conditions may result in claims being denied, which can lead to significant medical bills, depending where you are in the world. While having a GHIC or EHIC entitles you to state-provided healthcare while in the EU, they will not always cover all medical costs, and do not cover repatriation back to the UK – one example from the ABI is where the GHIC paid 80% of the cost of injuries from a fall in France, leaving £16,000 for the insurer (or the customer!) to pay – this included return to the UK on a stretcher.
What is classed as a pre-existing medical condition and why do I need to declare it?
A pre-existing medical condition refers to any illness, injury, or health condition that you already have before applying for Travel Insurance. It can include chronic conditions, past surgeries, or ongoing treatments. At Just Travel Cover, we offer specific travel cover for heart and circulatory problems, autoimmune conditions, cancer, and mental health problems. Declaring these conditions is important because it helps insurance providers assess the associated risks and offer cover that meets your specific needs. By providing this information, you ensure that you have the necessary protection in case any medical issues arise during your trip. Failure to declare pre-existing conditions may result in denied claims.
