travel ins for over 75 with med probs

[opas]

I have done a search, but it wasn`t very usefull.

I have today been searching the internet for travel ins for my dad, he is 79 and on warfarin. His doctor has OK him to travel and I am delighted that he is finaly coming for a visit. None of the companies I have tried (saga, help the aged etc)would ins him off the details I have given .

Please help, someone on this forum must have a relative or friend in a similar position. It is not urgent, he isn`t coming for a nother month but I would prefere to have all the arrangements in place ASAP.

Mrs O

[KathyC]

Hi

Although my husband is only in his sixties he is unable to get travel insurance due to a variety of medical problems. We have to manage with the E111 or else we would never leave the UK. I appreciate that he would have to pay a proportion of any medical fees incurred, but we have always felt this to be a risk we are prepared to take. I would be interested to know what other people think

[Alexis]

I have a friend on another site who is going on a cruise and her husband is very, very ill.  The cost to insure him was terrible with normal companies but she found a very reasonable price on the internet.

If I can't find the original message, I will mail her so hold on there and I will get back to you.

[Iceni]

Try T R Youngs Brokers in Elmstead Market in the UK http://sitebuilder.yell.com/sb/show.do?id=SB0001085045000040 They are specialist brokers and give a very very good personal service.

Ask for Gary and please mention Di Chapman.

I used to live in Colchester and we used them for all our insurances including travel insurance when John had a medical problem that other insurances would not agree to cover - we are not clients now so have no other reason to recommend them apart from very good service in the past.

Hope that this helps.

[Ron Avery]

There was an item on "Working Lunch" on BBC2 about this recently where a WWII veteran (80+) could not get travel insurance to visit the Far East for an extended stay  The answer was that no "normal" insurer would insure him for his trip but he could get cover that would cost him a fortune in premiums.  I suppose its all about risks and the likelihood of having to pay out on a claim

[opas]

Well , after making a few telephone calls and my dad popping into his household/car insurance broker, the story is the same . He can obtain travel ins , but not for pre exixting conditions, fair enough, so do I now assume that the E111 will cover him if he has a problem relating to his known medical problems? ie if he collapsed from his sugar levels changing ,would he be treated and covered under normal E111 rules ?

Next, just been looking on Ryanair as I have booked his flights with them (just being nosey as I paid 1 penny plus tax last week, now into the £100.00 )  whilst on there I took a look at their insurance (why didn`t I think of that before ) can somebody else take a peep and find something wrong with their single trip cover, the price is brilliant for 7 days.

Mr O is away at the mo, so can someone find a reason not to take out this policy for a 79 year old.?

Ta, Mrs O

[Baz]

I have always found Ryanair travel Insurance excellent value and have never found it beaten. The only thing is you must be flying with them to be able to purchase. Fortunately, I have never had call to claim, so I do not know how quickly or easy the process is to claim .

Mrs O, I would suggest that you spend a little time and look and read the policy documents as there might be larger excesses and restrictions for a 79. The Ryanair site gives all the answers in great detail, including claim procedure, questions and answers, policy conditions etc.

Baz

[Clarkkent]

Insure and Go (www.insureandgo.com) provide travel insurance for over 65s.

If you go to their website and click on "travel insurance" you will find a number of options and travel insurance for "over 65" is one of them.

[opas]

just took a look, they only offer ins for  over 65 to 75.....and therin lies the problem. So as Ryanair do it for a good rate I think I shall take a chance on them.

Mrs O

[Teamedup]

Unless he can get a new E health card then he may need a separate E form for pre existing conditions. The new health card covers both emergency and preexisting.

 

The risk of insuring the over 'x' age. I really don't blame the companies, we become a 'risk'. My Dad is really fit and travels the world, and hates forking out so much but he does. I can't remember who insured him last year when he went to New Zealand. I do know that this year he is paying much less as he has kept his travels to european countries. If he wasn't away at the moment I would ask him who he used.

[Teamedup]

Unless he can get a new E health card then he may need a separate E form for pre existing conditions. The new health card covers both emergency and preexisting.

 

The risk of insuring the over 'x' age. I really don't blame the companies, we become a 'risk'. My Dad is really fit and travels the world, and hates forking out so much but he does. I can't remember who insured him last year when he went to New Zealand. I do know that this year he is paying much less as he has kept his travels to european countries. If he wasn't away at the moment I would ask him who he used.

[opas]

TU, he is in possesion of his E111 and has applied for the new card(which if I remember correctly from what he told me, and has hopefully been given the correct info) he was told that he will be sent the new card in the new year.

So are you saying that he may need a different E form as well as the E111?   will give Newcastle a ring tomorrow just to make sure I have got everything streight.

Booked his ins for him, and fingers x ed he wont need either

First time traveling without my late mum, so Mr O (kindhearted soul he is   ) is going to fly over with him and dad will travel back to UK on his own.

Aparently this ins lark becomes even more complex when he reaches 80 next year!

Mrs O

[Teamedup]

That is what used to happen before the new cards, there was a separate E form for preexisting conditions. We were issued with them when visiting the UK from France a couple or so years ago. Not that anyone was interested over there, but in this case our CPAM made sure we had them.

Yes I think it would be a good idea to check up or maybe even call your local CPAM and ask what they would want for a pre existing condition that required treatment in France in order to reimburse.

[lenkel]

Sorry but have only just looked at the forum, have been too busy since return from holiday.

Had great difficulty imn getting insurance for my mother who is 84, has angina, whilst there a number of companies that will cover people 75 and over, When you mention a medical condition they do not want to know, or will put the condition down and if you require treatment will not pay out for that condition.

Found that Saga would qoute but was over £100 for my mother alone.

Eventually got cover from Age Concern.

 

[Paul Bradford]

Hi,

An aquantance with an elderley father, same age, same condition got a good deal last year with Age Concern to the USA.

Hope that helps

Paul