We specialise in providing travel insurance if you are an older person, whether you're over 65, over 70, over 75, over 80, over 85 or even over 90. In fact, our policy that can include medical conditions doesn't have an upper age limit. Even if you don't have a medical condition that needs to be covered, you can still book that policy - simply go through the quotation process without declaring any.
Why is it often difficult to get travel insurance as we get older? Many people quite rightly point out that we live longer and that older people these days are much fitter, more active and, often, more financially able to travel.
However, statistics do show that the older we get, the more chance we will need to make a claim (especially a medical one) and the higher the claim amount will be. This has to be balanced against the levels of the premiums for the policy, to ensure there is enough money 'in the pot' to meet the total cost of claims.
As any of us gets older, it's even more important to be properly insured when we travel - especially if we have any medical conditions. And there are few of us who are over 70, 75, 80, 85 or 90 who don't have any!
If you're not adequately insured, you're exposing yourself to potentially serious financial risk at a time in life when you least need to. Even if your medical condition is well controlled, for example, blood pressure, if it's not declared and accepted, then no claims even indirectly related to it will be covered.
Medical bills can be frightening. As we get older, those bills get higher. Statistics show that when an older person makes a medical expense insurance claim, it is often much higher than someone younger.