Travellers with medical conditions

Many providers of travel insurance take the view that they do not provide cover for people above a certain age. Some simply exclude cover for pre-existing medical conditions.^

Age UK's view is that this approach does not always provide customers with the appropriate travel insurance they need:

• Age alone is not a reason to restrict or refuse cover; and there is no need to exclude cover for many medical conditions which can‚ and should be covered.
• Travel insurance is not a “luxury” – it is an essential element of any trip or holiday‚ whether travelling in the UK or jetting off to an exotic location.

That's why Age UK Travel Insurance has no upper age limit and offers you holiday insurance for pre-existing medical conditions wherever possible.^

If you have pre-existing conditions before applying for Insurance, you and each person to be insured must consider the following:

Medical Exclusions

If it was known to you when you took out the policy (or booked a trip, if later) that any person on whom the trip depends

• has received a Terminal prognosis; or
• is waiting for an operation, hospital consultation, the results of any hospital tests or investigations, (other than for regular check-ups for a stable condition) or is waiting for or receiving hospital treatment;
• if any person named on the policy is travelling against medical advice or for the purpose of obtaining treatment

then you will not be covered for any of the claims under:

• Section 1 (if your trip is cancelled)
• Section 2 (if your trip is cut short)
• Section 5 (Medical and other expenses)
• Section 6 (hospital benefit)

Please refer to policy booklet for more information.

What about my medical condition?

If you are travelling outside the United Kingdom‚ you will be asked the following questions about your medical condition(s). If your answer is YES to any of the questions below‚ you will be asked for more information about your condition to establish if full cover can be provided and the premium required. You will NOT be covered if at the time of taking out this travel insurance you answer YES to any of these questions and fail to disclose your pre-existing medical conditions.

You will need to tell us about ALL Existing Medical Conditions if any person named on the policy:

• has been diagnosed with, or treated for any form of cancer, leukemia or tumour within the last 5 years;
• has ever been treated or prescribed medication for:
  i) a breathing condition (asthma need only be declared if it has required hospital treatment, or the use of a nebuliser, or supplementary oxygen);
  ii) a heart or cardiac related condition;
  iii) a circulatory condition such as Deep Vein Thrombosis or a Stroke;
  iv) diabetes
• has within the last year been admitted overnight as a hospital in-patient, or had any hospital tests or investigation;
• has, within the last year been referred to a specialist consultant;

Changes to your health

You must call Ageas on 0845 128 8008 if, after taking out this policy, any person named on the policy:

• develops a condition or experiences any of the circumstances above
• has a change in the medical conditions that have already been declared to us

You will be advised if cover cannot continue and you may be entitled to claim for the cost of cancelling your travel arrangements. Insurers reserve the right to amend the terms of your policy, or cancel it providing you with a pro-rata refund of premium.

Please refer to the policy booklet for more information.

 Download the Travel Insurance brochure - PDF (682KB)

^Subject to medical screening and acceptance by underwriters.

Medical exclusions may apply and acceptance is not guaranteed. Terms, conditions and exclusions apply to this insurance.

* If you call the 0845 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered address: Age UK Enterprises Limited, Tavis House 1-6 Tavistock Square, London WC1H 9NA.  

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

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