Long term insureance for over 50s

Travel Forums General Talk Long term insureance for over 50s

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1. Posted by funkytwig (Budding Member 13 posts) 4w Star this if you like it!

Hi, I'm 55 and looking for long term travel insurance. Was hoping people in a similar position could let me know if they have found any good insurence companies I could use.

2. Posted by leics2 (Travel Guru 3037 posts) 4w Star this if you like it!

As (I assume) you're in the UK I suggest you look at the Money Supermarket travel insurance comparison website. I've found it very useful indeed both for pricing up policies and for seeing the details of what each one does & does not cover:

https://www.moneysupermarket.com/travel-insurance/

[ Edit: Edited on 30 Jun 2021, 11:29 GMT by leics2 ]

3. Posted by Psamathe (Budding Member 196 posts) 4w Star this if you like it!

I'm in my early 60's and found longer term insurance (beyond a month or 2) harder, worse as I want included over 5000 m altitude and "activities" (e.g. kayaking, scuba-diving, mountain biking) and that limits options more and increases prices more.

One complication I've found is I like open-ended trips i.e. I depart, travel and find at some point I decide it's been great and now time to head home for a bit. All policies I've found have to be taken out whilst you are in the UK for a specified period of cover and cannot be extended whilst you are travelling. One might think the company wont know if you are taking out a new policy from UK or overseas but given how much effort insurance companies put into worming their way out of paying claims I'd expect them to be checking your visa dates or something ... so, given you recognise the importance of insurance, no point in paying out for a policy and making a false declaration about where you are.

I've used BMC. It's been expensive (duration and activities). They are good at covering activities and altitude (you chose a level of cover). You can get quotes without being a member then join when taking out the policy (when I first used them membership fee was a lot less than the policy discount for members).

Ian

4. Posted by funkytwig (Budding Member 13 posts) 4w Star this if you like it!

Thanks for the replies. Yes, I am in the UK. Walking is probably the most dangerous thing I will be doing. I don't do the more dangerous action sports.

"One might think the company wont know if you are taking out a new policy from UK or overseas but given how much effort insurance companies put into worming their way out of paying claims I'd expect them to be checking your visa dates or something "

I'm sure they do. What's the longest policy people have found. Hoping I can get 2 years. Guess after that I would have to travel back and coming back to the UK every couple of years would probably be what I am thinking of.

Ben

5. Posted by leics2 (Travel Guru 3037 posts) 4w Star this if you like it!

>What's the longest policy people have found.

I doubt you'll find anything longer than the normal 18 months so, unless you can find a provider willing to allow an extension without you returning to the UK (I suspect for just a few months rather than any longer) I think you'll need to re-jig your plans a bit.

[ Edit: Edited on 1 Jul 2021, 16:52 GMT by leics2 ]

6. Posted by berner256 (Moderator 1519 posts) 4w Star this if you like it!

I buy emergency medical, evacuation and repatriation coverage through a U.S. insurer with an annual policy that limits each trip to no more than 70 days. I don't usually travel for more than 10 weeks at a time. But when I do, I buy a policy with another insurer to cover me for the additional days. Two of my credit cards also offer benefits that include emergency medical, evacuation and repatriation coverage, trip interruption and cancellation coverage, baggage delay and lost luggage coverage, travel-accident insurance, etc.

I consider emergency medical, evacuation and repatriation coverage essential for overseas travel. All else is optional, in my view. I have never filed a claim, but I have known others who have for emergency medical reasons, including high-altitude sickness that required evacuation by helicopter.

7. Posted by karazyal (Travel Guru 3356 posts) 4w Star this if you like it!

" What's the longest policy people have found. Hoping I can get 2 years. Guess after that I would have to travel back and coming back to the UK every couple of years would probably be what I am thinking of."

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When you are overseas are you planning on working there to support yourself? Not all countries want foreigners taking jobs away from local citizens. Not all countries are the same for cost of living. When choosing countries to visit or live in check out the current visa requirements.

  • I came across this link on another forum:

https://www.gov.uk/guidance/foreign-travel-insurance

Good luck.