Travel insurance for over 75 yrs age,up to 95 days duration,multi trip

[peacock312]

Hi,last October we were forced to change our travel insurance because lifesure refused to insure my partner after reaching 75yrs. Age,despite 10yrs,no claim. We moved to CCC carefree travel,just got back from Germany,checking documents for Spain 3weeks time I find my travel insurance with carefree ran out 9days ago,no reminder,no letter,no text,no phone, What company will insure us for above requirements? Any good suggestions please.

[PJay]

peacock312 - 2013-10-18 5:56 PM

 

Hi,last October we were forced to change our travel insurance because lifesure refused to insure my partner after reaching 75yrs. Age,despite 10yrs,no claim. We moved to CCC carefree travel,just got back from Germany,checking documents for Spain 3weeks time I find my travel insurance with carefree ran out 9days ago,no reminder,no letter,no text,no phone, What company will insure us for above requirements? Any good suggestions please.

 

If you bank with Nationwide, they will, up to 90 days and i think will do longer, we are happy with 90 days.

PJay

[peacock312]

Just looked up my Nationwide free Travel ins.cover STOPS at 75 yrs of age

[KeithR]

but I believe you can purchase an over 75 add-on, as well as an over 31 days add-on (ive no idea of the cost, though) (!) (!)

[Curtisden]

peacock312 - 2013-10-18 5:56 PM

 

Hi,last October we were forced to change our travel insurance because lifesure refused to insure my partner after reaching 75yrs. Age,despite 10yrs,no claim. We moved to CCC carefree travel,just got back from Germany,checking documents for Spain 3weeks time I find my travel insurance with carefree ran out 9days ago,no reminder,no letter,no text,no phone, What company will insure us for above requirements? Any good suggestions please.

 

Caravan Club.

[Guest JudgeMental]

Try this comparison site?

 

http://www.moneysupermarket.com/travel-insurance/over-75s/

[Mickt]

Never had a reminder from Carefree you just reinsure

[PJay]

peacock312 - 2013-10-18 7:08 PM

 

Just looked up my Nationwide free Travel ins.cover STOPS at 75 yrs of age

 

Maybe you have not been a member for long enough

 

We are both OVER 75 and have ours with nationwide, via Uk insurance

We have age extension and Trip Extension up to 90 days Have not asked for worldwide only Europe, as don't think we will be going anywhere now except Europe,( been there, done that)

 

I would give then a phone call, renewed ours this month £140.00 with health issues

PJay

 

UK ins phone no 0845 246 1692

[Curtisden]

PJay - 2013-10-19 10:17 AM

 

peacock312 - 2013-10-18 7:08 PM

 

Just looked up my Nationwide free Travel ins.cover STOPS at 75 yrs of age

 

Maybe you have not been a member for long enough

 

We are both OVER 75 and have ours with nationwide, via Uk insurance

We have age extension and Trip Extension up to 90 days Have not asked for worldwide only Europe, as don't think we will be going anywhere now except Europe,( been there, done that)

 

I would give then a phone call, renewed ours this month £140.00 with health issues

PJay

 

UK ins phone no 0845 246 1692

 

Beware the Free Bank package deals for travel insurance in retirement. Check the small print as most have very carefully worded requirements to declare even small health issues visits to the Quack and medication.

I have a friends who relied on the Lloyds package for which they pay, only to find that the failure to disclose a none contribution condition to the problem that occurred meant they were not covered on return to the UK.

Next trip his minor condition was loaded by £250 when my cover remains the same year on year.

My own experience with a long term and potentially serious condition that I have to disclose for all insurance needs is that the cheap or so called package deals are best ignored. After all its cover that you need and not a argument on your return.

My provider the CC passes me through to their underwriters who each years quiz me but as its a rolling cover I have never been loaded so far.

In fact all my dealings with the CC re Camper Insurance, Red Pennant and Health have been simple and on a par with most middle of the road cover available from reputable LLoyds underwriters. Their travel breakdown insurance is second to none when you need it. I know I had to use them twice on one holiday and it was frankly worth any premium.

You Get what you pay for and if it seems to good it may well be so!

[peacock312]

Thanks for your help so far,couple points,dealt with lots of insurers over the years,business & private,always had reminders,if CCC don't remind it's a first for me, Nationwide ins.free with flex a/c,looked at this couple of yrs.ago,it simply didn't give adequate cover,can't remember details,only need European cover,will follow up suggestions mon.thanks, Dave,

[PJay]

peacock312 - 2013-10-19 11:26 AM

 

Thanks for your help so far,couple points,dealt with lots of insurers over the years,business & private,always had reminders,if CCC don't remind it's a first for me, Nationwide ins.free with flex a/c,looked at this couple of yrs.ago,it simply didn't give adequate cover,can't remember details,only need European cover,will follow up suggestions mon.thanks, Dave,

 

Yes the FREE ins does not cover over 75, but you do get a discount , and we are happy with ours

As i said before give them a call, always worth a phone call IMO

 

Just rang my car insurer re renewal and got £50 off, but got £80 off with another company, (same insurer) does not pay to be loyal to one company.

 

 

PJay

[Patricia]

My husband and I used Europ Assistance for many years until my husband had a stroke in France. Insurers would not pay out as said he had had a TIA, or Transient Ischemic Attack (mini stroke) some years before. Despite a letter from his specialist detailing the event and stating that it had been suspected but disproved, they would still not pay up. I fought them for months but never won.

[peacock312]

Been onto caravan club,red pennant,today,they can provide European travel insurance for 75yrs.old but only as single trip cover,not annual multrip.linked c/w van ins.£260.on its own £358 for two people. single trip ins.for 90days Europe,only covers you from home to home, you would not have van or persons cover in uk. A multi trip policy only gives you cover in Europe for max 60days, I wonder how many people I meet in Spain every winter fully understand this. After several hours phoning I have reinsured with CCC carefree travel but cover will cease for my partner at 80yrs. Of age! dave

[Guest JudgeMental]

I honestly dont think many long term stayers down in spain bother..and simply rely on card, with some getting repatriation insurance only. Have heard nothing but praise for spanish health service, and some down here have extremely serious conditions...I sometimes wonder even with full disclosure, can the insurance be relied upon..just look at Patrica's example above

 

Still think you should have tried the over 75 insurance comparison site link i provided...we use them allthe time for all sorts of insurance and comparisons, sand have saved a lot

[peacock312]

Thanks Judgemental,I did try your over 70 site,couldn't find annual multi trip .that gave over 60days one trip,except Saga who quoted £716,00.and carefree travel who we took ins.with, £224.00 plus £20 loading for medical screen, for 91 days single trip, max 183 days away for two people, I paid another £20.00 being a non member it became apparent yesterday,that annual multi trip policies are being phased out in favour of single trip policies,at least for over 70year olds.this will cost a lot more annually if you leave uk more than once a year,and is a lower risk to insurers.i actually spoke to 7 insurance companies (sad!) trying to get some sense over this and went back reluctantly, to carefree,I personally don't like them but it seems they currently do offer the best deal for over 75 s. To you all,I say,ask questions,check small print,as speaking to people on my travels,I do believe half of you travellers aren't covered to the level you might think you are.Regards Dave

[Curtisden]

I agree few are really aware of the small print on Travel Insurance and full disclosure.

Cover is only of any use and Value for money if it covers you for what may go wrong while away. What is the point of a policy that when needed does not cover you.

 

But I wonder also how many have checked their Home policy and understood the cover for a vacant home whilst traveling? The neighbour or relative wandering by now and again is often not acceptable to a Insurance company for little more that a few weeks.

 

Having once been a Estate Agent in a earlier life we were often having to advise people who had left there home empty while moving on that it had been broken in to or frost had blown a pipe and flooded the property. Only then did they find the Unoccupied clause in all policies had made their home insurances both buildings and contents invalid.

 

Peter

[sayeed of the road]

ADAC in Germany 00 49 89 7676 2636

 

Partner Plus €98.70

insures 1 person & spouse/civil partner. No age limit

There are other rates for larger/younger famlies

 

Combined health/ travel insurance (your health and any vehicle you or your family are driving)

i.e If you're in your Camper and it breaks down/ involved in accident, - ADAC rescue you

if you're in your Car.. same thing

If you're in your friends car .. same thing

On a motorcycle.. same thing

Minibus up to 9 people.. same thing

 

You're taken ill / injured, ADAC get you a doctor, pay for care and/or repatriate you

 

Annual Multi trip... 92 max days in Europe . 45 world wide.

 

If you leave your truck in Spain (eg after 91 days) and fly home and return. The 92 days start again. The insurance is based on you .. not the vehicle

 

All Europe + Mediterranean North Africa. (exclusion apply for some events in Germany)

 

ADAC is AYE DEE AYE CEE ... NOT ....addak

 

 

[peacock312]

Curtisden,couldnt agree more regarding home insurance,we agreed a 90day max period to be away from our home,extra premium of course,provided all services are shut down,central heating drained, OR left on at 15c. We have to guarantee inspection by kneighbor once week minimum, we asked if family member could come to stay in home ,ie,responsible son/daughter to break this vacant period. We were told that if we did that,any incident would be invalidated because the policy is in our name,not our children. Ask the questions,read the small print.regards Dave

[johnnerontheroad]

sayeed of the road - 2013-10-22 11:43 AM

 

ADAC in Germany 00 49 89 7676 2636

 

Partner Plus €98.70

insures 1 person & spouse/civil partner. No age limit

There are other rates for larger/younger famlies

 

Combined health/ travel insurance (your health and any vehicle you or your family are driving)

i.e If you're in your Camper and it breaks down/ involved in accident, - ADAC rescue you

if you're in your Car.. same thing

If you're in your friends car .. same thing

On a motorcycle.. same thing

Minibus up to 9 people.. same thing

 

You're taken ill / injured, ADAC get you a doctor, pay for care and/or repatriate you

 

Annual Multi trip... 92 max days in Europe . 45 world wide.

 

If you leave your truck in Spain (eg after 91 days) and fly home and return. The 92 days start again. The insurance is based on you .. not the vehicle

 

All Europe + Mediterranean North Africa. (exclusion apply for some events in Germany)

 

ADAC is AYE DEE AYE CEE ... NOT ....addak

 

 

I have ADAC plus also and as far as I was told they will only pay for the medical treatment when they are repatriating you not for treatment before that. Unless you know different.

 

Dave

 

[Guest JudgeMental]

talking to a chap of 77 here today..L&V are the best and cheapest he has found that offer 90 days

 

we changed our home/content to L&V recently and saved well over half...there quotes with conditions were in a different league from competitors, will be trying them for medical also!. if you use them for all 3 including car ypu get more discounts apparently

 

worth a call me thinks :-D

[sayeed of the road]

I have ADAC plus also and as far as I was told they will only pay for the medical treatment when they are repatriating you not for treatment before that. Unless you know different.

Dave

 

Am just about to catch a plane, Here's a qwk translation of the relevant section.

 

 

Group Insurance Conditions 1997 ADACSchutzbrief insurance AG for ADACPlus Membership§ 1 What services are you protected?

.1 What kind of services we can help you and the people at mitgeschützten illness, injury , death and otherEmergencies , if you are on a trip (definition § 5) ?- Repatriation (§ 12)- Accommodation costs (§ 13)- Hospital visit (§ 14)- Repatriation of children ( § 15)- Unscheduled trip home (§ 16)- Assistance in special emergencies ( § 17)- Retrieval of pets (§ 18)- Medicines and spectacles Shipping ( § 19)- Help with Loss of travel documents ( § 20)- Help with language problems / interpreter services (§ 21)- Vehicle recovery with driver failure (§ 22)

 

2 What kind of services we can help you when the protected vehicle is no longer technically roadworthy due to a breakdown or an accident or was stolen ?- Breakdown or accident assistance (§ 23)- Help with lost or broken car keys ( § 24)- Towing (§ 25)- Rescue ( § 26)- Accommodation costs by vehicle failure ( § 27)- Short trips by vehicle failure (§ 28 )- Travel costs to vehicle failure ( § 29)- Vehicle Shipping ( § 30)- Passenger transport "pick -up" service (§ 31 )- Spare parts delivery ( § 32)- Vehicle customs clearance and demolition of total damage ( § 33)A breakdown occurs when a brake failure, engine or breakage . An accident occurs when an event has affected directly from the outside with a sudden mechanical force to the vehicle. A total loss occurs when the cost of repairs exceed the replacement value of the vehicle in Germany on the day of the loss. Theft as theft , embezzlement, theft and unauthorized use apply .

 

3 Services are active services help we organize ourselves together with our partners and perform.These are: medical evacuation, repatriation of children, assistance for special emergency medicines and spectacles shipping, retrieval of pets, vehicle retrieval failure in driver, vehicle transportation from Einstellort, spare parts shipping, customs clearance and vehicle-scrapping. Additional services in Germany are: breakdown or accident assistance, assistance with lost or broken car keys, towing, salvage, provision of accommodation and travel opportunities, provision of ADAC club motorhome or other vehicle, passenger transportation "pick-up" service.

 

4 Telephone costs are transferred to request services.

 

§ 2 What people are protected?1 The ADACPlus membership protects you and your family regardless of whether you travel together or separately.

 

The services of illness, injury, death and other emergencies (§ § 12-21) applies to you and your family regardless of the selected transport, eg even with air and rail travel.

 

2 For having protected your family includes spouse and minor children. As a spouse is also the partner in a registered civil partnership.Instead of the spouse of the non-marital partner is also protected when you live with him under the same roof. The provisions for the spouse shall apply accordingly.

 

[johnnerontheroad]

Here's a better translation

 

"Section 12 Sick Repatriation

1.You or your family are on a journey and have an acute or unexpected illness

or injury. A return is therefore necessary.

2. If after consulting with the ADAC doctor the return of the patient is considered medically useful and defensible, ADAC arranges transportation to the doctor and determines the appropriate means of transport. We carry out the transportation itself, or arrange it and provide medical assistance and monitoring, if necessary by a doctor or paramedic. Repatriation of the patients can be to a hospital at the residence of the patients.

3. Can the patient not to be on the trip with luggage managed care, we leave it to the residence of the Zurücktransportieren patients.

4. We bear the costs of our actions organized or led.

5. The transport capacity by the attending physician must be certified. The disease or injury and whose duration by a certificate of the attending physician demonstrated.

6. Within the scope of Europe, this performance also for the legitimate occupants on a trip with the protected vehicle to reside within the scope of Europe provided.

 

Section 13 Accommodation costs

1.If you or your family are on a journey and must be accommodated until the implementation of sick Repatriation (Section 12), escort of children (Section 15) or vehicle recovery back in the driver failure (Section 22), upon request, we will arrange a hotel.

2. We will cover the additional costs incurred in implementation of the above.

Benefits are for a maximum of 3 nights, up to €65 per person per night.

3. Within the scope of Europe, this performance also for the legitimate occupants on a trip with the Protected Vehicle provided.

 

Section 14 Hospital visit

1. If you or your family are on a journey, and one of the party has an illness or injury requiring a hospital stay of more than 2 weeks at the place of illness or injury, avisit by relatives or parties can be organised.

2. We will cover per occurrence for visiting the sick travel and accommodation costs up to a total of € 512.

3. A confirmation from the hospital of the duration of hospital stay is required.

4. Within the scope of Europe, this performance also for the legitimate occupants on a trip with the Protected Vehicle provided.

 

Section 15 Escort service for children

1. If,owing to illness, injury or death on a trip, neither you nor your spouse are able to look after your own or other children travelling with you who are under 16 years (The same applies to your own children over 16 years, if care is required due to permanent disability), and no other passengers are available for child care:

2.We will escort the children back to their place of residence or the residence of the host person and cover the costs. If the initial transportation is not used may be, we will also reimburse the travel expenses.

3. If transport of the baggage of the returning children together with the escort is not possible, we will leave it at the residence of the children for separate transport and cover the cost of transportation.

 

Section 16 Unscheduled homeward journey

1. You or your family are on a trip and need to cancel or return prematurely, because

a) a member of your family or a close relative (children, parents, siblings, grandparents, grandchildren or Ger difficult parents or children) dies, has a life-threatening illness or is seriously injured;

b) a significant damage to your or your spouse's assets by fire, windstorm, hail, floods,

Storm surge, flood, landslide, earth quake, snow avalanches or deliberate criminal damage caused by a Third party arose.

You and your family must therefore make an unscheduled return home.

2. We cover the additional travel expenses incurred for the direct journey home to your residence or for the trip to the site of the incident and the resulting accommodation expenses for you and your family to €2.600, per occurrence.

3. You can make the unscheduled trip home with a protected vehicle. If this is not possible and no passenger is in the appropriate position to bring the vehicle home, the vehicle can be left within the scope of Europe and we will bring back the vehicle to your residence and cover the repatriation costs .

4. The reason for the unscheduled trip home must be notified afterwards.

 

 

Section 17 Assistance in special emergencies

1. You or your family are on a journey and need help in a special emergency. A special emergency is when help is needed to avoid significant disadvantages, especially for

Health and wealth.

2. We arrange the necessary measures and assume the cost per claim, up to €500.

3. In the event of a fatality on a journey in Germany we cover the cost to replace a measure

Paragraph 2 after transfer costs up to a total of €500 for transportation of bodily remains. Upon request, we are in the organization of overpass at the residence to help.

4. Bad or non-fulfilment of transportation does not fall under the protection of emergency because of and sub Bring ungsbedingungen with a travel-related and reprocessing contracts repair and replacement costs.

 

 

 

 

 

 

 

 

 

 

Section 18 Retrieval of pets

1. Neither you nor your family may be able, due to illness, injury or death on a trip from your

home to care for your dog or cat. No more passengers or other persons are available to care for the pet.

2. We look after the retrieval of the pet to your residence, to a person you nominated or

a shelter near your place of residence and cover the cost of retrieval.

3. The retrieval is only done when the pet is healthy, no administrative or veterinary rules preclude the pet from travel and transport of the animal poses no risk. At the request of the

ADAC is before the retrieval one (official) veterinary certificate catch.

 

Section 19 Despatch of Medicines and spectacles abroad (not in Germany)

1. You or your family are on a trip and need health restoring or prescription medicines and purchase at your location is not possible.

2. We provide and ship the medicines and cover the cost of shipment.

3. The clearance of the drug and the trigger at customs must be led by you. The cost for

the collection of this product will be refunded by us. If you cannot get medicines at your destination , you can look at the resulting damage.

4. The doctor of ADAC decided after consultation with the attending physician abroad or the family doctor on the need for a Medicines shipment. This can not be made where no authorization to import or export can be obtained, the physician of the ADAC a foreign-available replacement product can appoint or as the drug is addictive.

5. Are your travel on a medically prescribed eyeglasses or contact lenses have been damaged or lost, and there is no other way to spot a replacement to procure, your replacement of your glasses resident sent to you. The condition is that spare us your glasses issued. The provisions for medicinal products are developed according to shipping.

6. Within the scope of Europe, this performance also for the legitimate occupant on a journey with the Protected Vehicle provided. "

 

Dave

[chris]

This year for 120 day trip for 72 and 56 yr old we used STAYSURE Long trip travel insurance. Best we could get. Next would have been CCC single long trip.

 

At moment I am awaiting a quote from COMFORT insurance for medical screening as if you have house insurance with them they will cover you for annual multi trip insurance. could quote 120 or 180 days. They also do worldwide insurance. You must have house insurance with them though.

 

If you want flexibility for over 70s then the above companies are the main ones.

Chris

[Harcourt3]

Husband is 66 and wife 61 with Rias ( LV) £108 annual up to 180 days a year. Just medical.

 

[chris]

Just had quote from LV

 

Premier policy annual multi trip (covers 90 days each time)

Basic for 73 and 57 yr old couple was £190.22 but with medical conditions was £375.64.

Not sure if it covers Bosnia, Macedonian and Morrocco though as thinking of these places.

 

CCC will cover us including Bosnia and Macedonia but NOT Morroco for:-

basic £202.22 for annual multi trip up to 91 day trip and maximum 183 days a year. With medical conditions added it is ££406.22

 

Comfort will cover us for basic price of £169.79 and not charge extra for medical conditions . They will also cover us for Morroco BUT they will not cover me for a recently diagnosed condition and ANY claim arising from or traceable to them which is a bit disconcerting at the moment. They will review this in 6 months again. I have just sent copies of medical info to them in case they may review my condition.

Undecided who to go with at present.

Chris