Senior Travel Insurance

Important Information - COVID-19:

This information is only applicable to policies beginning ISETI/OK which were quoted and sold after 20/08/2020.

For policies quoted and purchased from the 20th August 2020, our Premier Plus level of cover automatically includes cover for cancellation if you or anyone named on your insurance policy tests positive for COVID-19 within 14 days of your trip starting.

What does our Coronavirus cover include? *Click here for the full table of benefits

Please visit our Policy Wording for full details.

Be aware: Our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign, Commonwealth & Development Office (FCDO) advises against all or “all but essential” travel. Policy cover will be invalid if you travel against the advice of the Foreign, Commonwealth & Development Office (FCDO), any regulatory authority or medical advice.

Please note - Unless stated in the benefits table, no other costs related to COVID-19 will be covered.

Senior travel insurance including pre-existing medical conditions

Here at It's So Easy Travel Insurance, we specialise in covering pre-existing medical conditions. For many years, we have been making sure people with pre-existing conditions are adequately covered when they travel.

This policy doesn't impose an upper age limit. If you are over the age of 60, whether you have medical conditions to declare or not, this policy is designed for you. Whilst we understand health often changes as we get older, we will never decline cover due to your age.

What is a pre-existing medical condition?

Firstly, it's important to clarify exactly what a pre-existing medical condition is and when you would need to declare it to your insurer. We ask a series of medical questions which determine exactly what medical information we obtain from you. These questions are based on the last two years, so we don't need to know your entire medical history, only details that are relevant to the following questions:

Have YOU or anyone in YOUR party:

a) been prescribed medication (including repeat prescriptions) or received treatment or surgery in the last two years?
b) attended a hospital, clinic, GP surgery or Specialist as an in or out-patient in the last two years?
c) been put on a waiting list for treatment or investigation
d) been diagnosed by a medical practitioner as suffering from a terminal illness

If you have answered ‘Yes’ to any of the above questions, then there is a medical condition which needs to be declared to us when applying for insurance cover.

It’s very easy to bypass a condition that you consider to be stable, such as blood pressure or cholesterol. However, if you have medication prescribed to treat or maintain a condition, you will need to ensure you declare it to avoid invalidating your insurance.

If you were treated for a condition, such as a type of cancer, more than two years ago – But still have routine, regular check-ups, you will still need to declare this on your insurance.

We cover a wide range of conditions, including those considered minor, such as hayfever or a cold. If you have been treated for or seen a medical professional for a minor condition in the last two years, you will need to include this in your medical screening.

The following terms and conditions apply to all of our pre-existing medical condition policies:

  • You must be fit to travel at the time of obtaining your quote.
  • You must not travel against the advice of a medical practitioner or with the intention of obtaining medical treatment abroad.
  • We will cover you for pre-existing medical conditions you have declared to us and which we have accepted in writing. These medical conditions are set out in the 'Medical Declaration Schedule' please check this schedule with your other policy documents. If the medical details are incorrect you must tell us immediately.
  • We will not cover you for any pre-existing conditions which do not appear in the "Medical Declaration Schedule"
  • We will not cover you if your state of health was worse than you declared to us when you took out the policy.

    Below are some FAQ’s regarding our medical screening process and pre-existing medical conditions:

    Yes. As you are still prescribed medication, you will need to screen the condition, regardless of whether you have any symptoms.

    We always aim to provide cover for mental health conditions including mild depression, bipolar disorder and schizophrenia. We can’t guarantee an offer of insurance, as all quotes are subject to our medical screening questionnaire.

    Yes, as our policy operates an ongoing medical warranty. Any change to your health or medication that occurs after purchase of your insurance but before departure will need to be declared to us so we can ensure you are adequately covered.

    We can’t cover undiagnosed conditions because we can’t be certain exactly what we are offering cover for. You will need a formal diagnosis from a medical practitioner before obtaining a quote.

    All our quotes are based on individual circumstances so we can always consider cover for people whilst they are still receiving medical treatment, including chemotherapy, radiotherapy and dialysis. However, we cannot cover the cost of any on-going treatment that you know you will require during the trip. When obtaining a quote, answer the questions as of today.