Travel Insurance

I think that you've now got both your age and the length of your proposed. Is working against you, too.
Most quotes are for 30days and the cost rises quite a bit for more.
Years ago I spent 10weeks in Thailand, having declared breast cancer and other stuff. Back then it was with Norwich Union which then became Aviva and it's been Aviva I've used since. LIke you, my family live in the USA, and the policy is for worldwide travel.
So shop around, OP, and even (shock, but it can be cheaper!) to stay your 30 days, come back, and go again!
Or ask your family for a contribution, can't see anything wrong with that.
You've been cushioned with free insurance through your bank, but for those of us who've never had it, we've taken the hit from the go-get.
So, it depends how much you want to go, if you can afford it, shop around. and take it from there?
Good luck! I'm sure you'll get there.
Ps, you said you've visited a couple of times a year in the past. Did you sign up to the carrier's frequent fliers programme? My last flights, return LHR- RDU with AA cost....nothing!

Try the Macmillan Cancer Support web site there is a list of addresses on there that I give to my patients???

Whatever you do, don't travel without travel insurance. I speak as someone whose husband cannot get insurance and does not leave the country. 10 years ago he developed pneumonia in Montana and was in hospital for a month, 9 days in ICU , with two operations. The bill was over £250000 and we had to employ a big law firm to get the travel insurance to pay out. An appendectomy costs around £35000 for an overnight stay in the USA. 3 stitches in your hand and a tetanus jab cost £150.Shop around and try Saga, Age UK and Cancer charities.

Remember travel insurance will pay to fly you home in a medical plane or for relatives to stay in a motel near the hospital not to mention your medical bills.

I am insured through our Bank but we had to pay extra when DH reached 70 and for all pre existing conditions such as mild arthritis.

Will email friend and ask jaybut think they may be on the said holiday

I too had a problem with existing conditions but after using a comparison website I found All Safe to be a very keenly priced policy.

Can I also say as an ex Holiday Rep, NEVER travel without insurance and ALWAYS tell all about existing conditions. Having had to deal on numerous occasions with guests who found themselves in deep trouble because they did not travel with appropriate insurance it's just not worth the risk. It's quite amazing how many people also think that the British Consul with sort things out for them, believe me they can't.

I don't know whether this is any help, but my family also live in America and when i visited for 60 days, there was no way i could afford insurance.!
My Son paid from his end, through his American bank card.
Could your family possibly do this.?

As an aside, when my granddaughter needed a blood test to look for just one specific infection, the family were forwarded the claim from their insurers fyi. The bill was for over $1000 and itemised. Included such stuff as 'use of the waiting room', 'cost of attending nurse' - so that will be the one preparing the syringe and handing it to the dr.then'. Nothing was missed! Wonder they didn't calculate how much air the child breathed

OP! I wondered before if you could get a free flight paid for on the frequent fliers programme (assuming you use the same carrier each time) as this could offset the amount you'll be paying for your health insurance? And, like others, please check that it's all-inclusive and that you've declared all your pre-existing conditions. It's essential.

I have a few heart problems and am aged 64. I used allclear recently and I had to be flown home from Spain. They were great and everything was covered. I did declare everything.

After hours of searching I found that Holidaysafe offered the best most flexible deal because you can opt to have a lower premium with a higher excess. You declare the pre-existing condition but accept some of the risk yourself, which is fine when it's something that's unlikely to recur. I have a heart condition which is well managed and I wasn't concerned that whilst I was in America I would need treatment for it. But if I had I'd be liable for £700 towards the cost. Everything else is covered with a £50 excess.
A friend of mine says she got affordable cover by excluding her cancer from the policy, again because she's highly unlikely to need treatment for it whilst away. But that's only possible by actually ringing and speaking to the company, she couldn't get it online.

I travelled to Spain a month ago (for 5 days) and tried to obtain insurance through comparison websites, along with TV ad companies for older people. I have kidney failure and the cheapest quote I could get was £247 for the 5 days until I tried Halifax Bank. They charged me £50. I'm not sure how that would compare with cancer but it may be worth a try.

I use insurewith, really good & easy to do & declare everything online but available by phone if necessary

Hope you don't mind me asking but which bank account gives free holiday insurance up to 80?? I would like such an account

Lloyds bank

Friend recommends payingtoomuch.com Comparison website
Theirs is with All Clear Insurance(he really is quite ill and has had to have treatment on holiday abriad)

We had world-wide travel insurance included in my Lloyds Bank Gold card for many years, and this included my husband. We went to America every year over 20 years, as my daughter lives there, as well as to Australia and New Zealand. We are now discovering just how much it has saved us as it stops at 80. I believe NatWest goes up to 85.

Ive just tried Boots but because of my age they only insure for up to 31 days.
My Bank account was Lloyds gold account (i don't think they do it now for new customers)

You could try "allcleartravel.co.uk" my partner uses them and he has multiple conditions.

Travel insurance with banks isn't 'free'. It's paid for within the charge one pays for that particular account.

Regarding OP are either of these comparison sites of any use?

Money Supermarket.
www.moneysupermarket.com/travel-insurance/over-80s/

Martin Lewis MSE
www.moneysavingexpert.com/insurance/over65s-travel-insurance#8085

Many companies will only cover you for 31 days if you are 80 yrs old, my trip is for 50 days - causing problems !!!

Have you tried Staysure, Alpha or Holiday safe? They all offer cover that takes into account your current conditions for which you are under medical,supervision and only charges for other probs like a broken hip etc

There is a firm that specializes in people with these problems, started by someone who encountered similar difficulties. I'll have a search for it. (I know I wrote it down - somewhere.....)

Have you tried Age Concern? They have been very good to me. I was in the States in April when I blacked out for a few seconds. I was taken to hospital with a suspected stroke. It turned out to be just a bladder infection and not serious. Nevertheless I was kept in hospital for a week and had a complete check of everything. It ended up costing several thousand pounds. Had the same thing happened at home, the doctor would have given me some antibiotics and told me to go home for a rest. In the States they really give you the works! Good luck, Bon voyage, but don't travel without insurance.

I suggest trying Insure and Go, Staysure and AllClear. Ensure you tell them about everything you have been investigated or treated for within the period of time they are asking about. Insure and Go (who may be the cheapest) have been known to try not to pay out if someone has been investigated for something they forgot to mention, even though it had nothing whatever to do with that being claimed for ?

As someone else said, don't travel to the US without travel insurance. You will have to provide details of your policy before any treatment commences. Your alternative is providing credit card details where they can authorise the likely cost of treatment. If it's more than a minor problem, this could easily run into $10s of thousands or worse.

WARNING to those relying on bank account insurance. I used to just rely on the insurance with my Lloyds Bank account. Then a few years ago, I read something (can't remember what it was) that got me wondering if I (with my pre-existing medical conditions) was actually covered after all. I looked at the small print. It wasn't clear on that, so I rang them. It turned out it didn't cover a person with pre-existing medical conditions unless they were declared and a supplementary fee (£100 a the time with fewer conditions than I have now) was paid. ?

Please , please on no account think of going without insurance or not declaring even an in-growing toenail! We also have this problem at only 73 years of age and now know that we must factor in the premiums on the cost every holiday.
Insurance companies are ruthless and will take any chance not to pay out unless each condition has been specifically listed on the declaration. Many good posts about different companies to try and to ask your relatives in the USA for a contribution.
Living in France we have used International Travel and Healthcare and we have paid £533 (for the two of us) for 16 days Premium in Thailand with one of us having had a heart attack and heart / high blood pressure problems and the other a minor heart operation and several minor conditions: asthma and arthritis.
Worth speaking to the various companies and if you preclude the cancer the premiums should drop..

Best wishes and hope you find an acceptable quote and have a lovely holiday,