Some insurance companies require you to declare any pre-existing conditions like; Blood Pressure, Diabetes, Coronary complications, etc. This has to be pre approved by the underwriters for you to be eligible to purchase the travel insurance. This can be a long draw out process, so ensure you purchase your trip insurance as soon as your travel plans are confirmed. The added benefit of purchasing insurance in advance is that you are insured from the moment of purchase against cancellations
Tips on buying travel insurance for seniors; regarding age, deductibles, pre-existing conditions and more:
Be careful of the age criteria; for instance, age 65 usually means you've not completed your 65th birthday on the first day of travel, even if it means your birthday happens during the trip. Check with your insurer if this is the situation. Pre-existing medical conditions are not covered, so be very careful of the ones that say they do. In such instances check: what they cover the terms under which they cover the deductibles, these can be very high. Trips cancelled due to a pre-existing condition is not usually covered, be sure to check that as well. Usually the deductibles tend to be the same as for the other, but be sure to read the policy document and if in doubt ask! I cannot emphasize how important it is for you to read the policy documents because of the exceptions pertaining to. At the very least ensure you read the what is and isn't covered under medicals and ask questions before you buy. If you are traveling with expensive equipment, be sure to check the coverage provided "personal possessions". Store the medical emergency number on your phone. Buy an annual multi trip insurance if you are close to the age ceiling; that way you'll have coverage for another year. When buying trip insurance, always check and ensure that the company is regulated by a government body, like the Financial Services Authority in the UK.However, some online travel insurance companies allow you to purchase travel insurance without medical pre-approvals even if you have a pre-existing condition. This doesn't mean that the pre-existing conditions are covered.
Pre-existing Medical Conditions
These apply to everyone and not limited to travel insurance for over 65s. You are not covered for any eventuality that has been bought about by a pre-existing condition; including injuries or damage caused to self or others because of the condition.
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