What travel insurance for over 70s with medical conditions
There is no reason that you should stop travelling the world as you get older. Indeed, many people find that with more time on their hands after retiring that one of their great pleasures is travelling with friends and family. You may also find that some travel insurance products have an upper age limit of 65, and that they will not cover any pre-existing medical condition or require higher premiums. This is where we can help, as AllClear offers over 70 travel insurance for people with medical conditions.
Products and benefits
Select over 70s travel insurance with the cover you need
Here are the main benefits:*
- All medical conditions considered
- 24-hour medical emergency helpline
- Medical emergency expenses of up to £15,000,000
- Up to £1,000 Medical inconvenience benefit for when you are in hospital as an in-patient
- Cancellation cover of up to £5,000
- Personal belongings cover of up to £5,000
All these figures are per person and per trip
*Providers will vary in their levels of cover – so please check the policy wording before you buy a policy.
Frequently asked questions about over 70s travel insurance
Is there anything you can't be covered for when you're over 70?
An Optional Extra which does have an age limit is Winter Sports, which is available up to the age of 76. However, we offer a diverse range of other Optional Extras which have no age limits, including: Waiting list, Golf, Travelling companion, Travel disruption, and Extended stay.
For any other activities not listed in your policy booklet, you can contact our Customer Care Team on Live Chat or on 01708 339029.
What counts as a pre-existing medical condition?
There are some medical conditions that you always need to declare:
- Any respiratory conditions, heart conditions, any neurological conditions (including stroke and epilepsy), cancer, blood circulatory conditions, any diabetic conditions, any renal, liver or kidney conditions, any psychiatric or psychological conditions (including anxiety, stress and depression).
If your medical condition is not in the above categories, you only need to tell us about anything for which you have received surgery, in or out-patient treatment, tests or investigations for in a hospital, clinic or GP surgery within the last 24 months. Or any medical condition for which you have been prescribed medication in the last 5 years.
For more information, read our medical warranty help article.
Do you have to tell us about medication?
You do not need to declare the medication you are taking initially. Instead, you will be declaring the medical conditions that you have. The medical screening questions may then ask you about your medication, but you will not need to know the names of your medication.
How long can you travel for?
If you buy a single trip policy online you can travel up to 92 days.
The maximum trip length for annual cover does change between policies, however, you can view the trip limits of each policy here: Annual multi-trip policies.
As an example, you can travel up to 45 days per trip on AllClear Gold and Gold Plus annual multi-trip cover, no matter your age. In addition, a trip extension of up to 55 days can be added to your policy as an Optional Extra.
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3 top travel tips for planning a holiday when you’re over 70
Tip 1: Take advantage of a stopover on long-haul flights. You only need to list a stopover location on your travel insurance after a decent amount of time. For example, on AllClear Gold and Gold Plus policies it is 48 hours. Allowing you the ability to take a break from a long journey, and experience a new country. For example, when travelling to Australia and you might want to stop-over in Singapore! But be sure to check the specific terms of your cover.
Tip 2: If you have special requirements, tell everyone! Be sure to inform: the agent when booking; the airline (in advance of your flight); the special assistance desk before AND after security at the airport; he ground staff at the gate; and the cabin crew. You might be surprised how accommodating they can be.
Tip 3: Speak to your doctor beforehand. First of all, you can confirm exactly what medical conditions need to be declared on your travel insurance. And secondly, if you're prescribed any medication you can check you have enough for the whole trip.
You may be interested in our specialist cruise cover. Policies from our AllClear Cruise website offer cover with specific cruise benefits. Plus, you can increase your cancellation cover up to £15,000 per person. An annual multi-trip policy can be particularly useful for you even if you have an expensive holiday apart from your cruise; as travel via plane is also covered.