Holiday Insurance for Over 70S with Epilepsy

Why specialist cover matters for seniors with epilepsy

As you enter your 70s, travel insurance providers often view age and epilepsy as a combined risk factor. Standard policies may exclude any claims related to your epilepsy if it is not declared or if the insurer does not have the appetite for senior neurological risks. Securing a specialist policy ensures that if you require emergency hospitalisation or a change in travel plans due to a seizure, the financial burden is covered by the insurer rather than your personal savings.

• Protects against the high cost of emergency medical treatment abroad
• Covers repatriation to the UK if you are unfit to fly on a standard commercial flight
• Ensures your policy is not voided due to non-disclosure of a chronic condition
• Provides access to 24-hour medical assistance helplines
• Offers peace of mind for both the traveller and their family members

What is typically covered in an over 70s epilepsy policy

A comprehensive policy for a traveller over 70 will include standard travel protections alongside specific medical enhancements. The primary focus is on emergency medical expenses, which can reach tens of thousands of pounds in countries like the USA or Spain. Additionally, the policy should cover cancellation or curtailment if your doctor advises you not to travel due to a change in your epilepsy management or a recent seizure.

• Emergency medical and hospital expenses up to a high limit (e.g. £5 million to £10 million)
• Cancellation cover if a seizure occurs before your departure date
• Cover for lost or stolen medication including anti-epileptic drugs (AEDs)
• Curtailment cover if you need to return home early for medical reasons
• Hospital benefit providing a daily allowance for incidental costs during a stay

Common exclusions and what is not covered

Even specialist policies have limitations that travellers must understand before purchasing. Most insurers will not cover you if you travel against the advice of your GP or a specialist consultant. Furthermore, if you are awaiting a new diagnosis or are currently undergoing investigations for unexplained seizures, many insurers will defer cover until a definitive diagnosis and stable treatment plan are established. Always check the specific wording regarding 'stable' periods required by the insurer.

• Claims arising from seizures while travelling against medical advice
• Treatment that is not deemed an emergency or can wait until your return to the UK
• Incidents occurring while the traveller is under the influence of non-prescribed drugs or alcohol
• Travel to destinations where the FCDO has advised against all or all but essential travel
• Private healthcare costs that were not pre-authorised by the insurer's medical team

Pricing factors and typical costs for over 70s

The cost of holiday insurance over 70s epilepsy cover is influenced by several variables beyond just your age. Insurers look at the 'stability' of your condition, typically defined by how long it has been since your last seizure and whether your medication has changed recently. Your destination is also a major factor; countries with high healthcare costs, such as the USA, Canada, and the Caribbean, will see significantly higher premiums compared to European destinations.

The medical screening process for epilepsy

When applying for cover, you will undergo a medical screening process, often via an online questionnaire or a phone call. You must be honest and accurate about your medical history. Common questions include how many seizures you have had in a specific period (usually 12 to 24 months), the type of seizures you experience, and the number of medications you take to manage the condition. Failure to disclose these details accurately can lead to a rejected claim.

Claims and evidence requirements

If you need to make a claim related to your epilepsy while abroad, you will need to provide supporting evidence. This typically includes medical reports from the treating physician overseas and potentially a statement from your UK GP. Keep all receipts for out-of-pocket expenses, such as taxi fares to the hospital or emergency medication purchases. Contacting your insurer's 24-hour emergency line as soon as possible is vital to ensure they approve the costs of your care.

Regulatory context: GHIC, FCDO, and the FCA

UK travellers to the EU should carry a Global Health Insurance Card (GHIC), which provides access to state-provided healthcare at a reduced cost or for free. However, the GHIC is not a substitute for travel insurance as it does not cover repatriation or private care. The Financial Conduct Authority (FCA) regulates insurance providers in the UK, ensuring they treat customers fairly. Travellers should also monitor FCDO advice for their destination to ensure their policy remains valid.

Practical checklist for senior travellers with epilepsy

Before you depart, ensure you have taken all necessary steps to manage your health and your insurance. Having a well-organised travel pack can make a significant difference if an emergency occurs. Ensure your travel companions are aware of your condition and know where your insurance documents and medical ID are kept.

• Carry a copy of your insurance certificate and the 24-hour emergency number
• Pack extra medication in your hand luggage in case of suitcase delays
• Bring a copy of your prescription and a letter from your GP explaining your condition
• Check that your GHIC is in date if travelling to Europe
• Wear a medical alert bracelet or carry a card detailing your epilepsy type and meds