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Braintreegirl Sep 3rd 2009 1:13 pm

travel insurance coverage
 
Hi guys,

My mum and dad are planning to come over to visit in October and are aged 81 and 82. They have no pre-existing conditions but the travel insurance they managed to get only gave them cover for up to £800 per day if they had to go into hospital for any reason. I didn't think this was enough. Has anybody got any idea of what the suitable coverage limits should be for this type of thing. Did anyone check the level of coverage on their parents policy before they came over and if so what did you consider was enough money wise?

Thanks for your help

Bob Sep 3rd 2009 2:21 pm

Re: travel insurance coverage
 
Have a search on BE....there's been a few threads, not new, but with info.

My mother got cheap insurance from Barclays that had a $1M limit that cost her £20 or so, but then she's 71.

You might just not be able to get any insurance coverage and you'd want it to be substantial which would be around $1K a week I'd have thought.

Your folks take a tumble down some steps and break a hip, won't be able to travel for a while, repatriation costs could easily be $30K alone.

Braintreegirl Sep 3rd 2009 2:25 pm

Re: travel insurance coverage
 

Originally Posted by Bob (Post 7900637)
Have a search on BE....there's been a few threads, not new, but with info.

My mother got cheap insurance from Barclays that had a $1M limit that cost her £20 or so, but then she's 71.

You might just not be able to get any insurance coverage and you'd want it to be substantial which would be around $1K a week I'd have thought.

Your folks take a tumble down some steps and break a hip, won't be able to travel for a while, repatriation costs could easily be $30K alone.

I know its quite scary isn't it?

Jerseygirl Sep 3rd 2009 3:27 pm

Re: travel insurance coverage
 

Originally Posted by Braintreegirl (Post 7900441)
Hi guys,

My mum and dad are planning to come over to visit in October and are aged 81 and 82. They have no pre-existing conditions but the travel insurance they managed to get only gave them cover for up to £800 per day if they had to go into hospital for any reason. I didn't think this was enough. Has anybody got any idea of what the suitable coverage limits should be for this type of thing. Did anyone check the level of coverage on their parents policy before they came over and if so what did you consider was enough money wise?

Thanks for your help

I'm trying to arrange for my MIL to come over at Christmas she is 83 with health issues. I'm going to use Age Concern the premium is approx 1,000 GBP...I will ask them about the daily limit. Thanks for mentioning it. :)

http://www.ageconcern.org.uk/AgeConc...ce-summary.asp

Braintreegirl Sep 3rd 2009 3:41 pm

Re: travel insurance coverage
 

Originally Posted by Jerseygirl (Post 7900855)
I'm trying to arrange for my MIL to come over at Christmas she is 83 with health issues. I'm going to use Age Concern the premium is approx 1,000 GBP...I will ask them about the daily limit. Thanks for mentioning it. :)

http://www.ageconcern.org.uk/AgeConc...ce-summary.asp

Saga did quite a good quote for £412, my mum has 3 pre-existing conditions and they still didn't require a medical. This one gave coverage of £10,000,000 which is more like it!

Mummy in the foothills Sep 3rd 2009 4:18 pm

Re: travel insurance coverage
 
I emailed my Mum to ask, she'll be here in October and I remember her saying something about it all, so I'll give the name of who's insuring her this time when she gets back to me. It's good to look at all the options

Jerseygirl Sep 3rd 2009 4:44 pm

Re: travel insurance coverage
 

Originally Posted by Mummy in the foothills (Post 7901091)
I emailed my Mum to ask, she'll be here in October and I remember her saying something about it all, so I'll give the name of who's insuring her this time when she gets back to me. It's good to look at all the options

I think you begin to hit problems once the person reaches 80...especially if they have medical conditions. Many of the normal companies won't insure those 80+.

Mummy in the foothills Sep 3rd 2009 5:19 pm

Re: travel insurance coverage
 
She said before age 70 the bank had the best deal, she turns 70 this winter and has some pre existing conditions. so now she is looking at age concern

Braintreegirl Sep 3rd 2009 6:18 pm

Re: travel insurance coverage
 

Originally Posted by Mummy in the foothills (Post 7901091)
I emailed my Mum to ask, she'll be here in October and I remember her saying something about it all, so I'll give the name of who's insuring her this time when she gets back to me. It's good to look at all the options

Thanks

Ozzidoc Sep 3rd 2009 6:23 pm

Re: travel insurance coverage
 
I recall reading that the "best" travel insurance for British Oldies is/was available through these guys:
http://www.thebmc.co.uk/modules/insu...es.aspx#travel


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