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Travel Insurance For Elderly Parents From UK

Travel Insurance For Elderly Parents From UK

Old Mar 26th 2019, 10:07 pm
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Default Travel Insurance For Elderly Parents From UK

Looking for help - again!
My parents, both in mid-seventies, will be visiting here from UK next month. They’re having a lot of trouble finding reasonably priced, reputable travel insurance for their two week visit.
Both have pre-existing conditions controlled by medications. (COPD and vascular condition requiring blood thinner). So far they are being quoted well over a thousand quid for the pair of them.
Any recommendations? The companies I use are US based and don’t cover foreign nationals coming into the US.
All advice appreciated.
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Old Mar 26th 2019, 10:19 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Not entirely relevant but you may be interested in reading this.
https://britishexpats.com/forum/usa-...nts-us-923571/

AlI I can suggest is to shop around.

(When my mum visited me at 80 years old I don't think there was much difficulty in getting insurance.)
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Old Mar 26th 2019, 10:30 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by Hotscot View Post
…. (When my mum visited me at 80 years old I don't think there was much difficulty in getting insurance.)
Age 80 is usually considered to be the cut off for any remotely reasonable insurance, that said, I think £500+ per person for people with a potentially serious preexisting condition sounds reasonable. A couple of days in IC with a heart-related "episode" could easily cost $50,000/£40,000, and 80:1 sounds like pretty good odds to me.

Last edited by Pulaski; Mar 26th 2019 at 10:32 pm.
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Old Mar 26th 2019, 10:34 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Actually she arrived at 79 left at 80
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Old Mar 26th 2019, 10:41 pm
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Default Re: Travel Insurance For Elderly Parents From UK

I'm pretty sure this has come up before...have you tried https://www.saga.co.uk/insurance?

Be very careful, most travel insurances are not going to cover pre-existing conditions.
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Old Mar 26th 2019, 10:42 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by Pulaski View Post
Age 80 is usually considered to be the cut off for any remotely reasonable insurance, that said, I think £500+ per person for people with a potentially serious preexisting condition sounds reasonable. A couple of days in IC with a heart-related "episode" could easily cost $50,000/£40,000, and 80:1 sounds like pretty good odds to me.
i agree with the principle that insurance is worth every penny when you have to use it. However about 1100 quid for two weeks coverage (more than the cost of airfare) is becoming a bit of a deal breaker.
Hoping someone has a wonderful recommendation that they’ve used themselves or something. Not overly hopeful but people on here have a wealth of experience and knowledge.
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Old Mar 26th 2019, 10:45 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by Brit In TN View Post
Not overly hopeful but people on here have a wealth of experience and knowledge.

Do you have any tax questions?
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Old Mar 26th 2019, 10:48 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by Brit In TN View Post
Looking for help - again!
My parents, both in mid-seventies, will be visiting here from UK next month. They’re having a lot of trouble finding reasonably priced, reputable travel insurance for their two week visit.
Both have pre-existing conditions controlled by medications. (COPD and vascular condition requiring blood thinner). So far they are being quoted well over a thousand quid for the pair of them.
Any recommendations? The companies I use are US based and don’t cover foreign nationals coming into the US.
All advice appreciated.
French friends, same age bracket use their credit card insurance, the cover is 250,000 euros I think.

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Old Mar 26th 2019, 10:54 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by audio View Post
French friends, same age bracket use their credit card insurance, the cover is 250,000 euros I think.
But as PF said, that sort of "standard cover" isn't going to cover anything that is derivative of a diagnosed, medicated pre-existing condition, such as a heart attack if the traveler has high blood pressure, and/or heart disease. Unfortunately some people won't find out that until they try to claim on it.

And for completeness I will disclose that my mother looked into what the travel insurance linked to her credit card actually covers when she is travelling, and as someone who had a heart attack and has a pacemaker, the credit card coverage was pretty much useless to her.
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Old Mar 26th 2019, 11:01 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by audio View Post
French friends, same age bracket use their credit card insurance, the cover is 250,000 euros I think.
Be very careful. credit card insurance doesn't usually include repatriation in an extreme case.
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Old Mar 26th 2019, 11:09 pm
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Default Re: Travel Insurance For Elderly Parents From UK

My rule of thumb was about the price of the airfare so seems about right. And Insurance costs have gone up a lot more than airfares.

My Mother had to find a different Insurer every year, as others have said will need to be individually underwritten.

I remember Saga worked for her first trip but not her second.
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Old Mar 26th 2019, 11:11 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by Boiler View Post
My rule of thumb was about the price of the airfare so seems about right. ….
Mine too.
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Old Mar 26th 2019, 11:15 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Originally Posted by petitefrancaise View Post
I'm pretty sure this has come up before...have you tried https://www.saga.co.uk/insurance?

Be very careful, most travel insurances are not going to cover pre-existing conditions.
Not very recent, but my mother used Saga.
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Old Mar 26th 2019, 11:22 pm
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Default Re: Travel Insurance For Elderly Parents From UK

Our family health insurance is about $1000 per month and the deductible is way more than your parents are paying for 2 weeks. Considering their health issues, I think the cost is OK. BUT, I would double check that their insurance covers pre-existing conditions
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Old Mar 27th 2019, 12:04 am
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Default Re: Travel Insurance For Elderly Parents From UK

Last time my father came over, we used this company https://www.geobluetravelinsurance.c...te-results.cfm He's 84 with minor pre-exisiting conditions and it cost around 150 UKPounds for over a week. We have also used this company https://www.allcleartravel.co.uk/ several times, but having never had to claim, I can't tell you if either of these insurers are any good.
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