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by Sarah Forster
-26 June 2023
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Understanding Travel Insurance for Over 85s: What to Consider
Millions of people head overseas for holidays every year. Unfortunately, some will remember their trips for all the wrong reasons if things don’t go to plan, such as needing emergency medical treatment abroad. That is why having adequate Travel Insurance is essential. The biggest concern for travellers over 85 is usually needing medical treatment while on holiday – and that’s no surprise, considering costs can be staggering – in one case, the cost of medical treatment in Spain after a fall and emergency repatriation back to the UK was £127,000!* (ABI)
This page was last updated on 26/06/23.
When it comes to Travel Insurance for those over 85, there are several key points to consider:
What is covered?: It’s not just emergency medical expenses you’re covered for on Travel Insurance. It also covers loss/theft of baggage and importantly, cancellation – so if you need to cancel your holiday, for example, due to a medical emergency, you may be able to claim the cost of your holiday back from your Travel Insurance. It ensures financial protection in case of unexpected incidents during your trip.
Pre-Existing Medical Conditions: Travel Insurance can cover pre-existing medical conditions. However, coverage specifics may vary among insurance providers and policies. It’s essential to review the policy terms and conditions to understand the extent of cover for pre-existing conditions.
Age Limits: Some Travel insurers have age caps on policies. Some have age restrictions on certain destinations. At Just Travel Cover we do have policies available where there is no age limit and we’ll only show you prices from the providers who can cover you.
Cover Limits and Exclusions: Like any insurance policy, Travel Insurance cover limits vary – we provide up to £15m medical cover, £12,500 cancellation cover and £3k baggage cover – all limits are per person insured and we can even cover holidays up to £50,000pp over the phone.
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FAQ’s
What does Travel Insurance typically cover for travellers over 85?
Travel Insurance for travellers over 85 typically includes cover for holiday cancellation, medical expenses and repatriation, money and cash, valuables and baggage. There is additional cover available for cruises, golf and other activities.
How can I find the right Travel Insurance for my needs?
Just Travel Cover, as a Travel Insurance broker, can help you find the right Travel Insurance coverage for your needs. Our team can compare policies from our panel of insurers, ensuring you find suitable coverage that meets your specific requirements as a traveller over 85. We will only show you Travel Insurance policies that meet your needs and is suitable for you.
What are the cover limits and exclusions I should be aware of?
Travel Insurance policies often have coverage limits, exclusions, and specific terms and conditions. It’s important to review the policy documents and consult with our team to understand the coverage details and assess their alignment with your travel plans and requirements.
