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If you’re aged over 70 and planning a trip abroad, you may be wondering if you need medical travel insurance. After all, you may be in good health and have never had any major health issues. However, it’s important to remember that accidents and illnesses can happen at any time, especially when you’re away from home. Medical travel insurance can offer you peace of mind and protect you financially if you need medical treatment while you’re abroad.
What Is Medical Travel Insurance?
Medical travel insurance is a type of travel insurance that covers the cost of medical treatment if you become ill or have an accident while you’re travelling. It can also cover the cost of repatriation if you need to be brought back to the UK for medical treatment.
Why Do You Need Medical Travel Insurance?
There are several reasons why you should consider getting medical travel insurance for your next trip abroad:
- Medical treatment can be expensive in other countries, especially in the US where healthcare costs are notoriously high.
- You may not be covered by the NHS or your private health insurance when you’re abroad.
- If you need to be repatriated for medical treatment, the cost can be very high.
- Some countries require you to have medical travel insurance as a condition of entry.
Can You Get Medical Travel Insurance If You’re Over 70?
Yes, you can still get medical travel insurance if you’re over 70. However, you may find that the cost of the insurance is higher than if you were younger. This is because older people are statistically more likely to need medical treatment while they’re abroad.
What Should You Look for in a Medical Travel Insurance Policy?
When you’re looking for a medical travel insurance policy, there are several things to consider:
- The level of cover – make sure the policy covers all the medical treatment you’re likely to need.
- The excess – this is the amount you have to pay towards a claim. Make sure you can afford the excess if you need to make a claim.
- The exclusions – make sure you understand what is and isn’t covered by the policy.
- The cost – compare prices from different insurers to make sure you’re getting a good deal.
What Medical Conditions Do You Need to Declare?
When you’re buying medical travel insurance, you’ll need to declare any pre-existing medical conditions you have. This could include things like high blood pressure, diabetes, or heart disease. Failing to declare a medical condition could invalidate your policy, so it’s important to be honest about your health.
How Can You Keep the Cost of Medical Travel Insurance Down?
If you’re over 70, you may find that the cost of medical travel insurance is higher than if you were younger. However, there are several ways you can keep the cost down:
- Shop around – compare prices from different insurers to find the best deal.
- Consider a multi-trip policy if you travel frequently – this can work out cheaper than buying individual policies for each trip.
- Consider a policy that has a higher excess – this can reduce the cost of the premium.
- Avoid buying insurance from the travel agent or airline – they may not offer the best deal.
Conclusion
If you’re over 70 and planning a trip abroad, it’s important to consider getting medical travel insurance. While you may be in good health, accidents and illnesses can happen at any time, and medical treatment can be expensive in other countries. By taking out a medical travel insurance policy, you can protect yourself financially and enjoy your trip with peace of mind.
| Question | Answer |
|---|---|
| What is medical travel insurance? | Medical travel insurance is a type of travel insurance that covers the cost of medical treatment if you become ill or have an accident while you’re travelling. |
| Do you need medical travel insurance if you’re over 70? | Yes, it’s important to consider getting medical travel insurance if you’re over 70, as medical treatment can be expensive in other countries and you may not be covered by the NHS or your private health insurance. |
| What should you look for in a medical travel insurance policy? | You should consider the level of cover, the excess, the exclusions, and the cost when you’re looking for a medical travel insurance policy. |
| What medical conditions do you need to declare? | You’ll need to declare any pre-existing medical conditions you have when you’re buying medical travel insurance. |
| How can you keep the cost of medical travel insurance down? | You can keep the cost of medical travel insurance down by shopping around, considering a multi-trip policy, considering a policy with a higher excess, and avoiding buying insurance from the travel agent or airline. |