Longstay Travel Insurance for Retiring in Thailand
If you are planning to spend your golden years in the sunshine of Thailand, you likely have a to-do list as long as the trip itself. Getting travel insurance is probably on it and we are here to help make choosing the right cover as easy as possible.
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Worried you are too old to get travel insurance?
Many providers don’t offer longstay travel insurance to people over 65 due to increased risks associated with (dare we say) getting older, but forward thinking providers are much more open to providing cover for adventurers in their 70s, 80s and beyond!
Most of our policies cover travellers up to 74yrs, but we have specialist travel policies available with no age restrictions at all. We can cover many pre-existing medical conditions, including long-term stable conditions and ones which have been only recently diagnosed and treated.
Concerned that premiums are high for older travellers?
With higher risk comes higher premiums, especially with a “straight out of the box” type of travel insurance. What you should be looking for is Longstay Travel Insurance for older travellers that can be tailored to meet your needs and your budget.
Can having a serious illness affect getting travel insurance?
With some providers, absolutely it can, but at the risk of blowing our own trumpet, this is where we excel. We even have specialist policies to cover a range of serious illnesses such as cancer, heart conditions, diabetes, and renal failure.
Top Tip: The Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help!
How easy is it to make a claim if I’m on a longstay break and not in the UK?
The short answer is: VERY! Claims with most insurers are handled by telephone and online. Uploading the required documents to an online portal is easy and means the claim can be handled whatever timezone you are in.
All of our policies are backed by a 24/7 multilingual helpline, perfect if you are 7 hours ahead in Thailand! Even if everyone else in the UK is asleep, someone will still be on the end of the line when you need them.
Worst case scenario – what if you die in Thailand?
Whether it is due to an accident or natural causes, this is a topic that is at the forefront of many people who retire overseas. Any good travel insurance will include repatriation back to the UK, the limit of the costs that are covered however will vary. You might also need to consider finding an insurer that offers support for any family members that need to travel in these very difficult circumstances.
Can you switch to Thai local insurance after arriving?
Yes you can, and depending on the length of your stay it might be a legal requirement to do so. Bear in mind that is essential to have an adequate existing travel insurance policy in place already to be able to switch to an approved Thai Insurance provider. You will need to have local insurance in place to meet the extended vis requirements.
Insider Insights: Thai local insurance will cover medical care and access to hospitals but only in Thailand, and the insurance may not cover more complex medical needs or access to specialised hospitals. In short, it won’t cover you if you travel elsewhere and need medical care and it certainly won’t provide cover for the things that come as standard with Longstay Travel Insurance such as cancellations, lost or stolen belongings, missed connections etc. For full protection while away you’ll need longstay travel insurance as well as a local Thai Insurance.
Get the travel insurance you need for total peace of mind!
Give our team a call (+44) 01892 833338 or visit our website to get the information you need to make the right decision about longstay travel insurance. We offer specialised insurance policies that can be tailored to your unique needs, even if you have pre existing medical conditions!
