What are the best travel insurance options for expats in Thailand over 70?

Nov 11, 2024
2 days ago
Mike ********
ORIGINAL POSTER
Just had a quote off Staysure travel insurance for 184 (maximum) days cover for 70 y/o in thailand,£809,.price was including a 20% discount for the basic cover and with no medical conditions,.£4 p/day for peace of mind not to bad.
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TLDR : Answer Summary
A user received a quote for travel insurance from Staysure for £809 covering 184 days for a 70-year-old in Thailand. The price includes a 20% discount and excludes any medical conditions. Discussion in the comments centers around comparisons with other insurance options, user experiences, and concerns regarding claims handling and coverage limits. Other mentioned insurance providers include Qantas, Sainsbury's, Nationwide, and Admiral, with insights into the importance of understanding claim processes over just cost.
Mike ********
ORIGINAL POSTER
It seems that a maximum cover is 184 days with renewal only available if your in uk, but I found one that you can renew again while in thailand, but not found a complete end to end 12 month cover yet,.anyone got 12 months cover for a reasonable price for a 70 y/o with no medical conditions that they can recommend ?
Myles ********
Hang dying legacy gym
Nick *******
Try their sister company called Avanti. They provide the same cover for a reduced fee for some reason. They also allow you to extend your cover while abroad if you decide to stay for longer.
Pat *********
Have used loads of travel insurances.

Sainsburys platinum paid out a 26k (gbp) claim. Took me 73 emails and a lot of work.

Last year I fell and broke my back.

The cost was 3k in hospital and 4k lost flights and accommodations, virgin didn't pay out. Reason was that prior to leaving the UK my doctor put me on presidonal tablets. Virgin claimed that the pills made bones brittle and no amount of arguing would change their minds.

So.... I can't speak for all insurers but sainsburys platinum and insure and go pay out and Virgin became difficult.

Seems to be a 3k limit. Hospitals have told us that having 2 insurances is helpful for them as they can spread the cost.

Worth pointing out at this point that if the claimant had been drinking over the last few days, this is a problem and they were even querying what my wife has to drink at Christmas when her admission was end January.
Mike ********
ORIGINAL POSTER
@Pat ********
I’ve heard that the uk post office insurance is worth a look, recently a uk you tuber “steady Eddie”had a brain opp and hospitalisation in pattaya and it cost a small fortune and post office covered it,.
David ***********
Indeed. You might have found it cheaper in Thailand ?
David ********
Most travel travel or health insurance worldwide have anywhere between 70 and 90 pages of fine print conditions, they are nearly all the same. When you take out a policy you do not have to state what your health conditions are, the insurance companies will accept the risk SUBJECT THE CONDITIONS IN THE FINE PRINT. When it comes to making a claim, the accident part of your policy will be likely paid but the medical part now will often reveal if your illness is pre-existing when you get treatment. I do not know of any health insurance company world wide that will include any pre-existing coverage for a client with any serious health conditions. I was in the business some years ago selling the stuff for a large Australian insurance company and processing claims. Those who did or do have complete indemnity and unconditional cover have likely gone broke.
Joe **********
Just hope you don't havve high blood pressure they use that to invalidate most claims!
Ricky ******
Sounds good. Lots of people think 'travel insurance' is all the same. Most only read the actual cover when they need to claim. On a recent trip after reading the daily hospital cover as something minimal, so bought a dearer policy.
Sheen ************
The most important thing is not the cost but how a company handles claims particularly medical issues. Nobody ever seems to talk about their experiences. Cost of policy is not the first thing to consider
Nick *******
@Sheen ***********
EXACTLY! So many recommend a company just because it was all roses when they signed up with them. You can only know if you are with a good insurer when it comes to making a claim. I never take recommendations from anyone who’s never had to claim with said company.
Terry ******
@Sheen ***********
Thought l was covered when booking with bank Visa card . Ran into a bit of medical problem needed surgery . Got knocked back no insurance for anything Please read the fine print. Total cost to me 37.500 $
Anna ********************
Admiral annual travel insurance worldwide £79
Steve *******
@Anna *******************
Only covers up to 30 consecutive days out of the UK.
Peter *******
@Anna *******************
depends on age !!!
George *******
@Peter ******
Exactly, insurance companies want to insure younger customers with attractive premiums because less chance of them making a claim. The older you are and especially if you have underlying health issues, then be prepared if you want peace of mind to pay extortionate premiums. Better to maybe look at self insure. Or if your from the UK or any country that has universal health for their Nationals, stay in your own country if you don't want to risk having no insurance.
Bob ********
Apply for a qantas premier credit card, with $6000 limit (thats that smallest amount) It includes Travel insurance, also Macquarie Platinum. As long as you pay for your tickets on the card you have Insurance.
Shooter *****
@Bob *******
he’s based in the UK so it’s unlikely that Qantas or Macquarie would approve a credit card for a non resident.
Billy ******
Have a look at Luma Health. Bangkok based company
Nick *******
@Billy *****
Have you ever maid a claim with them?
Billy ******
@Nick ******
no I haven’t ever needed to, but my research showed that they are reliable, so I’ve used them for a few years, hopefully I’ll never need to make a claim 😊
Nick *******
@Billy *****
unfortunately, making a claim is the only time when you really know if they’re any good.
Brian ********
I joined Nationwide flexplus account and I got their travel insurance there's no age limits worth while getting a quote
Paul *********
@Brian *******
30 days only though
Brian ********
@Paul ********
not true I've just extended my 30 days to 90 days for £340. I was with Sainsbury's who charged me £650 and only get 63 days
Paul *********
@Brian *******
it is true 30 days. Or pay more to extend. It was cheaper for me to go on comparison sites.
Terry ********
@Brian *******
yes you can change to worldwide and extend nationwide insurance to 180 days. I have done this before
Brian ********
@Terry *******
it was impossible to do with Sainsbury’s travel insurance
Julian *******
Have you tried saga
Alan *************
I’ve been quoted £450.14 by flexicover insurance. 69 years old 3 months in Thailand and Laos.
Alan *************
It’s with Collinson insurance. Just been looking at reviews and they are awful so forget that.
G.R. *********
I use Sainsbury's bank travel insurance
Adrian *****************
It won’t be worth the paper it’s printed on for that price,.too good to be true research more
Sylvia ********
@Adrian ****************
I'd disagree, with NO medical issues that's an average cost
Philip *******
Qantas travel insurance 180 days $807 aud
Stephen ********
So about 135 quid/6k bht pm. Is inpatient cover generous?
Mike ********
ORIGINAL POSTER
@Stephen *******
I think it was the basic cover out of the silver/gold/platinum range,. I can’t find the quote but it was a decent amount for hospitalisation ,.
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