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When you are choosing travel insurance to cover pre-existing medical conditions or you are a traveller over 65 looking for travel insurance cover, it is very important that you compare the levels of cover included in a travel insurance policy, as well as the price.
Comparing travel insurance for medical conditions or over 65s
Below are our tips to help you compare travel insurance cover and choose the right travel insurance policy for you and your trip.
Obviously the most important thing to do when you buy travel insurance is to declare all your medical conditions and answer the medical screening questions correctly. We ask you to declare your medical conditions before you see any prices, that way you can be sure that all the quotes you see include the appropriate cover for those medical conditions.
So, knowing that your medical conditions will be covered by all the policies that we present to you, you can then start focusing on the levels of travel insurance cover available and make a decision.
When you have a medical condition or are over 65, the most important part of your travel insurance policy is the level of cover for emergency medical treatment and repatriation. This is the part of the travel insurance policy that provides cover for your medical conditions and other medical treatment that you may require whilst you are away. Look at the limit of cover on this section and also the excess
The excess is the amount that you pay towards the cost of a travel insurance claim. You may prefer to choose a slightly more expensive travel insurance policy because there is a lower excess to pay in the event of a claim.
Think about the cost of your holiday and choose a travel insurance policy with an appropriate amount of cancellation cover. If you are travelling in the next couple of days, you may decide that the level of cancellation cover is not important.
How does the level of cover for personal possessions included in the travel insurance policy compare to the value of items you plan to take on holiday with you? Look at the single article limit and check to see whether any specific items, such as ipods and laptops, are excluded.
If you book your flights and accommodation separately you don’t get the same level of financial protection that you get when you book a package. Adding Scheduled Airline Failure to your travel insurance can provide additional financial protection in the event that one of your holiday suppliers becomes insolvent.