LONG STAY TRAVEL INSURANCE for OVER 65s / OAP / SENIOR CITIZENS
It is becoming increasingly difficult for the over 65s to obtain travel insurance for longer durations (over 31 days for instance), despite the fact that this age group are travelling with increasing frequency and for longer durations – it sometimes seems that the insurance industry is moving in the opposite direction.
We are pleased to be able to offer a new product, the GlobalVoyager policy, which at least offers a partial solution to travellers in the higher age ranges.
The age limits (at time of departure) on this policy are –
Ages up to 69 years can be covered on trips up to 24 months duration (extendable to 36 months).
Ages 70 – 79 years can be covered on trips up to 180 days maximum duration.
Ages 80 – 100 years can be covered on trips up to 60 days maximum duration.
We stated above, that this policy offers a partial solution, and there are drawbacks to this cover.
The main problem with this type of cover is that you cannot get cover for claims arising from ANY pre-existing medical conditions. On most of our other policy types, it is possible to go through a medical screening process and obtain cover for many pre-existing conditions, usually at additional cost. Unfortunately, there is no medical screening service offered with this GlobalVoyager policy, so claims arising from pre-existing conditions are not covered at all.
It is also a relatively expensive policy, and the more affordable cover levels are lower than many mainstream travel insurance products. For instance, the Global Voyager policy has 4 levels of Medical cover :
Basic – £60,000 Medical cover.
Standard – £600,000 Medical cover.
Super – £1,500,000 Medical cover.
Elite – £6,000,000 Medical cover.
We have become used to having cover levels like the Super and Elite, measured in millions of pounds, but on this policy, these levels are particularly expensive. The Basic and Standard cover levels are far more affordable if you feel that the levels of cover are adequate for your needs.
This policy is also modular, in that the entry level quote will be for Medical Expenses cover ONLY. You will then have the option of adding cover for other sections, such as Baggage, Cancellation, Passport, Missed Departure, Personal Liability, Legal Expenses etc, at extra cost, if you want them.