Holiday Insurance for Over 80S with Epilepsy

Why specialist cover matters for over 80s with epilepsy

For travellers over the age of 80, the combination of age and a neurological condition like epilepsy often places them outside the 'standard risk' profile of high street insurers. Without specific cover, a seizure abroad could lead to devastating medical bills, especially in countries like the USA or Spain where private healthcare costs are high. Specialist insurers use a medical screening process to assess the frequency and type of your seizures, allowing them to offer a policy that actually protects you. Failing to declare epilepsy is a common reason for claims being rejected, leaving the traveller responsible for all costs including air ambulance services back to the UK.

• Ensures emergency medical expenses are covered if a seizure occurs.
• Provides 24-hour medical assistance lines for immediate support.
• Covers the cost of repatriation to the UK if you are unfit to fly on a standard ticket.
• Protects your holiday investment if you need to cancel due to a change in your condition.
• Includes cover for lost or damaged anti-epileptic medication.

What is typically covered in a senior epilepsy policy

A robust policy for those over 80 will focus heavily on medical risks. It should include at least £5 million in medical cover, though many specialist UK providers offer up to £10 million. Beyond the medical expenses, the policy covers cancellation and curtailment if you or a travelling companion fall ill. It also includes personal liability and baggage cover. Crucially, for those with epilepsy, the policy covers the cost of a medical escort if a doctor deems it necessary for your return journey to the UK after a hospital stay.

• Emergency hospital treatment and diagnostic tests.
• Prescription medication replacement if lost or stolen.
• Additional accommodation costs for a companion to stay with you.
• Cover for seizures even if they are a known pre-existing condition.
• Cancellation cover if your doctor advises against travel shortly before departure.

Common exclusions and limitations to watch for

Even the best holiday insurance over 80s epilepsy policies have limits. Most will not cover claims if you travel against the advice of your GP or the FCDO. There is often an exclusion for claims arising from changing your medication dosage without medical supervision shortly before travel. Furthermore, if you are awaiting a new diagnosis or are on a waiting list for surgery or specialist consultations, many insurers will decline cover until the investigations are complete. Always check the excess amount, as policies for those over 80 often have higher compulsory excesses than those for younger travellers.

• Travel against FCDO or medical professional advice.
• Undiagnosed symptoms that have not been declared.
• Seizures resulting from the use of non-prescribed drugs or excessive alcohol.
• Private healthcare costs when public facilities were available and adequate.
• Non-medical claims like theft of unattended items.

Factors affecting the cost of insurance for over 80s

The premium for holiday insurance over 80s epilepsy is influenced by several variables. Age is the primary factor, as statistical risk increases for those over 80. Your destination also plays a major role; the USA, Canada, and the Caribbean are the most expensive due to high healthcare costs. Within Europe, countries like Spain and Greece are slightly more expensive than France. The 'stability' of your epilepsy is also assessed - if you have been seizure-free for several years, your premium will likely be lower than if you have had a recent hospital admission.

Navigating the medical screening process

When applying for cover, you will undergo a medical screening. This is a series of questions designed by the insurer to understand your specific risk. You will be asked the date of your last seizure, how many medications you take, and if you have ever been admitted to an intensive care unit for your epilepsy. Accuracy is vital. Even a minor error in the number of years since your last seizure can invalidate the entire policy. It is helpful to have your latest prescription and GP notes to hand when completing the online form or speaking to an agent.

The role of the GHIC and FCDO advice

The Global Health Insurance Card (GHIC) is a valuable tool for UK residents travelling to the EU, but it is not a substitute for travel insurance. It provides access to state-provided healthcare at the same cost as a local, but it does not cover mountain rescue, private care, or repatriation. For those over 80, medical complications can quickly exceed what the GHIC covers. Additionally, always check the FCDO website for your destination. If the FCDO advises against all travel or all but essential travel, your insurance policy will likely be void if you choose to go anyway.

How to make a valid claim while abroad

If you have a seizure or medical emergency while on holiday, the first step is to contact your insurer's 24-hour emergency assistance number. This number is usually found on your policy schedule. They can liaise with the hospital to guarantee payment and manage your care. You must keep all receipts for any medications or transport costs you pay out of pocket. If you are hospitalised, ensure the facility provides a medical report detailing the treatment received and the reason for admission. This documentation is essential for the claims team at the Financial Ombudsman Service (FOS) standards of evidence.

Practical checklist for senior travellers with epilepsy

Preparation is key to a safe trip. Beyond securing the right insurance, you should ensure you have an ample supply of medication in your hand luggage, along with a copy of your prescription. Many travellers find it useful to carry a medical ID bracelet or a card in the local language explaining their condition. Inform your airline if you have specific needs, and always ensure your travelling companions know where your insurance documents and emergency contact details are kept.