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Seniors Travel Insurance FAQs

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Your ‘golden years’ are a great time to get out there and see the world. We have put together some frequently asked questions about travel insurance for seniors to help plan your trip.

Want to get a quote? Visit our Seniors Travel Insurance page for further information and tips on getting coverage.

What if my relatives or family are sick?

We can only consider claims by you arising from the health or death of a close relative or your business partner if at the start date of your cover or at the time of booking a trip (whichever is later) the chances of claiming were unforeseen.

We will not pay any claims if any person on whose health Your Journey depends:

  • Has received a terminal diagnosis prior to the commencement or renewal of the policy;
  • Is on a waiting-list for, or has been advised of the need for: surgery, inpatient treatment or investigation at any hospital or clinic; or
  • Is travelling against the advice of a medical practitioner or travelling with the intention of obtaining medical treatment or consultation abroad, or travelling whilst unfit to travel.

Claims caused by the health of other people (those people not listed above) are not covered by the policy. For full details about coverage under specific benefits, please refer to the Policy Wording.

A “Close Relative” means your partner, fiancé(e), parent, parent-in-law, grandparent, son, daughter, son-in-law, daughter-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, aunt, uncle, cousin, nephew, niece, step-parent, step brother, step sister, step child, foster child and legal guardian.

Do I need to provide a medical certificate or information from my doctor if I make a claim?

For claims as a result of health reasons, injury or death, we may require access to your medical records and/or written confirmation from a medical practitioner. If you do not provide it when requested, we will not be able to deal with your claim.

Do you have a Seniors Card discount?

No, sorry. You can adjust the price of your premium through altering optional extras or changing the plan altogether.

How can I pay for my policy?

You can pay online using Visa or MasterCard.

Is there an age restriction for seniors travel insurance?

All our policies are available to travellers up to and including 74 years of age at the time the policy is purchased. However, trip limits apply to travellers over 70 years old: a maximum trip duration of 31 days applies to any one trip on both our annual and single trip policies.

Do I need to buy a specific policy if I’m a senior traveller?

No, we don’t have specific travel insurance policies for senior travellers. Cover-More UK offers a range of policy options to help you find a plan that best suits you.

What is the excess amount I need to pay?

When purchasing your policy, your excess will depend on which travel insurance plan you have chosen.

See our table below to find out which excess amount applies per plan.

  Basic Plan Standard Plan Extra Plan
Per person, per section (except personal liability, where excess is per policy) £100 £75 £50
For loss of deposit (applies to cancellation and cutting short a trip) £25 £25 £25
Excess where costs reduced by a Reciprocal Health Agreement £0 £0 £0

Confused about what excess is? An excess is the first amount of any claim for which you are responsible to pay. The excess applies to each insured person and is applied per section except for section 8 ‘Personal Liability’ where the excess is per policy. If a claim is made under more than one section, which is caused by the same event at the same time, an excess per insured person per section will apply.

Why is seniors travel insurance more expensive?

The older you get, the higher your risk of health issues. Your travel insurance premium is influenced by the higher risk of health issues. There’s a greater chance of seniors cancelling a trip or requiring medical assistance while travelling including medically assisted repatriation to return home. That’s why premiums are often higher for senior travellers.

Am I covered for anything that could go wrong on my trip if I get premium cover – the Extra Plan?

We cover a wide range of mishaps, and will be there to support you if something goes wrong. Travel insurance can't cover everything that may go wrong on your trip – otherwise policies would be super expensive. It is important that you read the Policy Wording so you are aware of what our policies cover and what exclusions apply. If you’re unsure, call our team on 0203 695 7574 and they can help explain.

Can I get cover if I have a pre-existing medical condition?

In many instances, yes. Cover-More UK can provide cover for a variety of existing medical conditions, but cover must be separately applied for and accepted by us. To apply for cover for your pre-existing medical condition, you must complete a medical screening which can be accessed during the quote process on our website.

If you need some help with this, give our friendly team a call on 0203 695 7574 and we’ll be able to help you through it. Keep in mind that cover may be subject to special conditions, limitations, excesses and amounts payable if accepted. We will be sure to notify you in writing of these before we issue the policy.

Please read the Policy Wording for full details.

What if my health changes after my policy has been issued?

You will need to let us know if your state of health, or the health of anyone who your journey may depend on, changes before you depart for your trip. This includes if a new condition develops or an existing medical condition worsens.

If you do not tell us about a change in health, we have the right to amend, restrict or cancel your cover under the chosen policy.

What is the assessment process for an existing medical condition?

Complete the online assessment when you get a quote or call our customer service team on 0203 695 7574. You need to tell us about all your conditions. We will complete the assessment to determine if we can provide coverage for an additional premium.

What happens if I don’t declare my pre-existing medical condition?

You should always declare all your pre-existing medical conditions when purchasing travel insurance. By doing so, we will be able to determine whether or not coverage for your pre-existing medical conditions can be provided. If you do not declare all your pre-existing medical conditions, then cover will not apply to any claim and we will not be able to help you financially.

What do I do if I need unexpected and immediate medical treatment overseas?

If it’s an emergency, call the local emergency line straight away. Then when you can, call our 24-hour Emergency Assistance team so we can help. Zurich Assist will ensure that medical emergency services are made available to you and will be based entirely upon medical necessity depending on your state of health. We can deal with the hospital directly while you focus on getting better. Please note all claims are subject to approval.