A group for people with Type 1 and Type 2 diabetes that gives back to a diabetes charity
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If you're over 65, travel insurance becomes increasingly difficult & expensive to arrange.
We think that's unfair to older people who enjoy travel, and we want to do something about it.
Age is mainly a concern for UK insurance companies because most of their costs come from people requiring medical treatment when they're on holiday. They believe that people over 65 are more likely to have medical conditions, and more likely to become unwell when they're away - both of which might lead to making a claim on their holiday insurance. As a result, many won't insure over 65s at all, while others put prices up significantly.
Holiday insurance over 70 and over 75 - even if you've been given the all clear by your doctor - is even harder to get. Over 80, travel insurance is nothing less than a saga.
But we think the extra costs companies charge to insure people over 65 are too much. So, we've created this group. Our promise was that if 100 people registered interest, we would open a dialogue with insurance companies, to negotiate cheap travel insurance for the group. And that's exactly what we've done - you can read about this in the Current Offer section.
If you have friends who like to travel, why not invite them to join the group too? The more people we have on board, the better the offers we can agree. Hopefully that will mean you can enjoy your skiing trip, cruise, or long stay overseas that little bit more.
If you are responsibly taking medication to lower high blood pressure surely that should lower the insurers risk and,therefore the cost of insurance?
Hi there Bee, we have written a guide on travelling with a medical condition which may be of interest: https://boughtbymany.com/news/article/getting-medical-conditions-travel-insurance/. I hope that helps and do let us know if you need any further help or information.
looking for a company that will give us long term travel to u s a for a couple one with mild c o p d one with high blood pressure(controlled for 25 years)and collestorol again controlled which was linked to diabetes which has been reversed,any ideas?
WE NEED INSURANCE COVER TWICE YEARLY FOR PROPOSED HOLIDAY TO THE US - WE ARE A COUPLE AGED 66 AND 67, ONE ON MEDICATION FOR HYPERTENSION. WE STAY FOR 80 DAYS PER VISIT. ANY SUGGESTIONS, GW & JA
I have just joined this group with the specific aim of looking for reasonable travel insurance to include cover for some winter sports. My wife and I are both 69, coming up 70 and we take 2 holidays a year for cross country skiing. Our current insurance with Aviva will give us good cover up to age 70, but no further!! I have just filled in the quote form including our age and requiring winter sports cover. I saw 9 quotes - looking good, but on checking the policy details 3 of those excluded winter sports cover over 65 and another 2 over 70 -- what was the point of including those in the quote list. The other 4 quotes weren't clear about age limit for winter sports and all quoted at £700 plus. Not very good. Surely there should be an Insurance underwriter somewhere who knows that cross country (nordic) skiing is a safe sport and good exercise. It shouldn't be lumped in a group with the more dangerous activities like alpine skiing, heli-skiing etc., but should be encouraged to keep us 'oldies' fit and healthy
Many thanks for this very helpful and constructive feedback, Chris, and I'm sorry that you weren't able to get a satisfactory quote including cross country skiing from Travel Adder. It's disappointing from our perspective too, as the option to cover winter sports was one of the reasons we chose them for the Travel Insurance Over 65 group. I will look into it with Travel Adder, and also see if we can help with some alternative options for you. Best wishes, Sam
aged 65 triple by pass 6 years ago [ did not have a heart attack] no probs since, wife type 2 diabetic lucky enough to go to the Philippines, my wife's native country for some of the UK winter each year since i retired 6 years ago[ lucky not rich ],i use the ins company linked to my bank AXA, the cost has more than doubled over the 6 years, but still £300+ cheaper than this Travel Adder so unless any one out there can suggest a different company ill have to stick with AXA although its about £700 for the 5 months
Many thanks for your feedback, Mick, and I'm sorry you weren't happy with the quote from Travel Adder. We will do some work with them to try and understand why that was. Another option for you and your wife would be our Travel Insurance for People with Diabetes group, where there is an offer for members with Free Spirit Travel Insurance. Let me know if you'd like me to send you more details. Finally, just to reiterate that it's enormously helpful to us to hear about where people are finding particularly cheap travel insurance quotes (or indeed particularly expensive ones), as it means we can choose the best travel insurance companies to work with for the group. Thanks again, Sam
I as a 66 year old use Endsleigh Travel Insurance, if you have not had a new medical condition, or not changed your medication in the last 12 months they are extremely cheap. My wife and I got cover for 8 days for Portugal for 58. We both have pre-existing conditions. Read the small print before buying or ring their helpline. You must be honest with them and yourself.
William, thanks for sharing your thoughts about cheap travel insurance with pre existing medical conditions. You make an important point about always disclosing pre-existing conditions in full when buying travel insurance - not doing that can invalidate cover and mean that the travel insurance company refuses to pay out (even if the claim did not relate to the medical condition in question)
Have you concluded any deals I have type 2 diabetes controlled by medication NOT INSULIN
Hi Alan, we do have a group specifically for travel insurance for people with diabetes. We have concluded a deal for that group giving 12.5% off a policy from Free Spirit, which has no upper age limit. Click 'GROUPS' in the menu at the top of the website an look for 'Travel Insurance for People with Diabetes' for details. Best Wishes, Guy
I am ready to buy holiday insurance - now. How do I apply? And to whom?
Apparently all is ready for us to apply for holiday insurance. How, when and with whom?
Jay, We are still negotiating a travel policy specifically for over 65s, we have a few good options and are working out the best one. We have completed negotiated a 12.5% discount on a Free Spirit policy designed for those with a pre-existing medical condition. However this policy has no upper age limit, so if you do need a policy before we have concluded negotiations specifically for this group it might be worth a phone call to them. Free Spirit are on 0845 230 5000, if you say you are a member of Bought By Many and they will give you the discount. We will send out an email as soon as we have a policy specifically for the over-65s. Best Wishes, Guy
Hello. Having just hit 67, and finding out first hand now the way we are being treated just because of this thing called age, ( recently visited my brother in USA for one month, to find the insurance almost as much as the flight ) I had radical prostatectomy 6 yrs ago, and less than 0,01 PSA since, so why am i charged extra for this, as its gone ! Also i have Emphysema and am stable, and offered to have this as an exclusion on the policy, as i would surely fly home if there was any problem !, but no, once again i was charged very heavily for this. With no explanation !! If you can acheive reasonable rates it would be great, also we motorhome in europe as well as UK, and once again the age thing rears its ugly head. Its all very frustrating, condesending, and plain annoying, as we know we are being unfairly treated, and lining the insurance companies pockets. Most of us are NOT "one foot in the grave" Annual seems a good way to go for many of us, as we do have the time to travel, and are not restricted to certain times. I'm sure you will find this exercise rewarding in more ways than one, as there are a lot of us wrinklies out there now. Thanks for listening, Geoff Blyth
Geoff, many thanks for your post - it's really helpful to get these sort of insights into the sort of issues people are facing when trying to arrange travel insurance. Several other members of the group (including John in the thread below) are of the same view as you, and feel it would make much more sense if there was a way of buying travel insurance without medical cover (or with the option to include or exclude any pre existing medical conditions). Our CEO Steven is exploring the idea of creating a new policy like this with travel insurance companies at the moment - one that would include cancellation, protection in case of lost baggage and theft, and emergency repatriation - but make medical cover optional. This is likely to take some time to reach a conclusion, but we're committed to moving it foward. In the nearer term, I'm optimistic we'll be able to agree an offer which at least helps get better prices on both single-trip and annual travel insurance over 65. Best wishes, Sam
I think it would be good to cover ski insurance in this. Some of us "oldies" still like a gentle whirl on the pistes and are still fit enough. It Is very difficult to get anyone to even cover this let alone at a decent price.
That's a great point Juliet. We are looking for a travel insurance company who can provide members of this group with skiing insurance over 65 as an option with their travel insurance offering. It's possible this approach will be cheaper than buying separate "winter sports cover" (the industry jargon for skiing insurance), if higher-risk activities like glacier skiing and stunt skiing are excluded.
H Juliet - just to let you know that the offer we agreed for the group with Travel Adder does include an option for ski insurance over 65. It would be great to hear your feedback if and when you get a quote.
Many over 65s travel several times each year but can get only per-trip insurance. This is not only very expensive but it means having to explain medical histories each time. Annual cover or even half-yearly would be less hassle.
I think whatever youre medical history the parameter should be "are you taking medication?" and if not why bother with the history thing , if you were sick would you be travelling? after all people come to england for their medical needs!
Many thanks for your comments John and Erika. It's really helpful to understand the process-related (as well as cost-related) issues people face when trying to buy travel insurance. We will certainly try and negotiate an offer for annual travel insurance over 65, as well as single-trip.
Hi John, Hi Erika - I would love to hear your feedback on the offer we've managed to agree with Travel Adder (7.2% discount on Travel Insurance for Over 65s, with the option to include or exclude per existing medical conditions). How well does it match your requirements? Best wishes, Sam
Thanks, Sam, for your reply. Excellent that we now have well over the 100 needed. Two further points: (1) Nearly all policies exclude those in their eighties although there is at least one company willing to cover -- at a price! - up to age 90. Many active people in their nineties would travel if they could get sufficient insurance to satisfy the travel company. Age by itself should not rule out eligibility for insurance cover. Please try to negotiate non-ageism. (2) Policies should offer inclusion or exclusion of declared medical conditions with premiums to match. The insuree can then weigh up the risk and choose accordingly. John
Two great points there John - thank you. On the first one, we will do our very best to find a company who can offer insurance with no upper age limit, as we're very conscious that travel insurance over 80 is so difficult to find, and that difficulty getting insurance can put a real constraint on older people's ability to travel. And I really like your idea of a new type of travel insurance policy that would enable someone to declare a pre-existing medical condition, but then choose whether or not they wanted it to be covered by their travel insurance - we will certainly explore whether we can work with insurance companies to create this type of policy.
Hello,its about time that these insurance companies accept that we have still got life in us!!I go to Gambia 2/3 times a yr.I met my husband to be 3 yrs ago,we had a muslim marriage Jan 1st 2012 the English service will be in May this year,so i try and go as often as possible,but sometimes the insurance is almost as much as the flight!!So i will be looking every day to read what youve found out.Well done!!
Welcome to the group Carol & many thanks for your kind feedback!
A group for people with Type 1 and Type 2 diabetes that gives back to a diabetes charity
A group for people Over 70 to club together and save money on travel insurance