This low level cover is generally the cheapest or most affordable and normally covers all the basic medical and health needs of travel insurance, however these might have limits, conditions, or excess payments which depend on the insurance provider. Basic policies generally include:
This mid-level cover is usually the best value for money. It generally features everything found in basic cover and more, however it may still have certain limits, conditions, or excess payments. Standard policies generally include:
This high level cover may cost a bit more, but it is great for those travellers who want the peace of mind of not worrying about anything while on holiday. Cover will vary between providers, and might still have certain limits, conditions, or excess payment, however it generally will include:
and high amounts of coverage for travel expenses and more.
Unfortunately, when you get over the age of 65 there may be a higher likelihood of having a previous injury or a pre-existing medical condition. Taking out cover for your pre-existing medical condition may cost a bit extra (it can easily double prices depending on the condition), but it will generally cover you for any medical expenses required as a result of this condition.
Although most travel insurance providers usually cover a lot of pre-existing medical conditions like asthma, diabetes, or high blood pressure among others, some don’t cover these conditions for travellers over a certain age. There are also some more serious conditions like mental illness or cancer that aren’t covered.
It is important to check with your insurance provider if your specific condition is covered and to disclose any conditions to your provider if pre-existing medical insurance cover may be applicable to you. Some insurers may only cover certain pre-existing conditions for travellers up to a certain age, and some may even ask for a medical form or doctor’s certificate.
If you haven’t added pre-existing cover to your policy because you may want to save some money, you will not be able to claim for any medical expenses to do with this condition. However, if your pre-existing condition is not covered by your policy or provider, you will generally still be covered for any other medical expenses that aren’t related to your condition.
Forgetting what you had for breakfast yesterday is easy, and so is forgetting to get travel insurance. It is best to take out travel insurance as soon as you have booked your tickets and planned your travel.
Most travel insurance providers won’t allow you to purchase travel insurance once you’ve left the country. There are some that may provide last-minute travel insurance if you’re already overseas and have forgotten to take out cover, however this might come with some extra costs and limited conditions for senior travellers