Travel Insurance for Over 70's

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It will be very interesting when humans travel to Mars. 1 Martian year =1.88 Earth years . Picture the scene : decrepit old geezer staggers off the Musk 1 Mars transporter, collapses in heap and gets carted off to hospital. He (she) declares "I got my insurance and I'm only 45 years old". Does the insurer reply "not so fast laddie, here on Earth you are now 84.6 years old. Your travel insurance is now null and void. Oh the joys of space travel. I'm feeling younger already!
 
Chubb has our staff covered to 85. Our premium to cover about 15 is around $2500. Our insurance broker handles it. we paid the premium today.
 
cove said:
Chubb has our staff covered to 85. Our premium to cover about 15 is around $2500. Our insurance broker handles it. we paid the premium today.
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Just checked Chubb - hey will only insure us great unwashed up to age 69.
 
Yes Chubb is for businesses I think and they would not do one or two private folks. Our insurance broker Cowden handle it.
Now codash1099 there probably is more fun running up points and miles and of course you could pay the travel insurance on a favourite credit card.
I doubt being unwashed will keep you from getting travel insurance which I consider to be a necessity. Just shop around for your best deal.
 
cove said:
Yes Chubb is for businesses I think and they would not do one or two private folks. Our insurance broker Cowden handle it.
Now codash1099 there probably is more fun running up points and miles and of course you could pay the travel insurance on a favourite credit card.
I doubt being unwashed will keep you from getting travel insurance which I consider to be a necessity. Just shop around for your best deal.
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I'm pushing 80 with a couple of pre-existing conditions, so not a lot of options. 1cover looked good but would not cover the pre-existings. The only one I've found that ticks all the boxes for me is HBF. They accepted without any premium penalty, but their top level cover is fairly pricey.
 
Medibank will cover us for the trip (20% discount on basic rate due to medical insurance status) though the ++ for existing conditions is on a per person basis, so there is a moderate plus for me and an almost 100% add on for Mrs WF. And since they have quoted the pre-existing bits, it would now be very risky to "un-insure" those bits. The call being that we would need to show that a normal person would have similar expenses / treatments when compared to our expenditures if we needed to make a claim (theoretically for accidents as well)

The real issue is that the coverage is (theoretically) required to be from home departure to home arrival, though commencing with the first flight, we have a week in Australia and the last 4 days before the last flight back to Perth are in Australia. Leading to these portions to be charged at the Asia (HKG) rate (a seriously more expensive overseas location since Australia has almost no medical calculated in).

In the end we will risk the WA road trip parts (five days out / five hours back) and state we are departing / arriving back from our son's "house" in Perth (if pushed)

Just wandering
Fred
 
Yes Fred we always leave and depart from our son's house in Sydney. :D
 
mrsterryn said:
Considering how expensive husband's insurance is now at 62 he has already decided that at 70 he will have ceased travelling.
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Don't believe him. I thought the same thing when TID really jacked up our annual policy at 70.

Just shop around as there are still some reasonable policies available for over 70's
 
Yes I hear that at the hydrotherapy pool I walk in from folks who are approaching seventy. Just tell them to shop around. Stopping travel could make them old before they really are. There are choices.
We have decided to only travel to places that have first class medical recovery.
@JohnM is travelling to places we would not go and he enjoys roughing it whereas we are fine with staying on the beaten track and flying over quite a few places. JohnM is just a little older and we were in the same primary school class so I read his trip reports.
 
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mrsterryn said:
Considering how expensive husband's insurance is now at 62 he has already decided that at 70 he will have ceased travelling.
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I reviewed the T&Cs on my ANZ FF Black Card and my Diners FF card and decided I am not buying additional travel insurance any more.

Your circumstances may be different.
 
Thanks all :) my husband has a brain tumour. The remaining tumour is not operable.
Having said all that the only impact is some loss ,minimal , loss on occasions of mobility for which he uses a cane
He has no other health issues at all. Not on any medication.
His insurance is very expensive yet mine with all the fat associated issues is less than half of his
 
I have just done a quote from insureandgo for a 13 day trip including a 8 day cruise in Australian waters and the rest in Melbourne. The basic cost was $292 plus a medical premium for me of an eye watering $1284. No excess for Mr.s. Now I'm not sure whether to look around or just wear the cost. We have two more cruises booked in the next 12 months, but an annual policy won't cover domestic only cruises.
 

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they cover every pre-existing illness and aged traveler at a slightly increased price.
 
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an annual policy won't cover domestic only cruises.

r u sure ?

Check out Allianz
 
tgh said:
an annual policy won't cover domestic only cruises.

r u sure ?

Check out Allianz
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That's what the person on the phone at insureandgo told me this morning. I think you have to visit at least one foreign port to have annual cruise insurance.
 
I stand (well sit aksherley) corrected..
Our Allianz annual policy with the cruise pack does not cover cruises within au. (full stop).. tch tch….
It does cover au travel activities ( home +250km) , just not cruises.. pretty silly piece of policy really
It also says not for sale to over 75's.. hmmm well it's due for renewal soon and the magic time number is not achieved.
Need to give some thought to 2020 travel plans asap…..
 
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