No. You can buy travel insurance whatever your age. Just understand that the older you are, the more expensive travel insurance can be (because more things can go wrong the older you get). Trips to the USA/ Caribbean can be very expensive to insure, simply because of USA medical costs.

Not if you buy a decent policy with all material facts disclosed. We have successfully dealt with hundreds of travel insurance claims in the past few years, There was a client of ours who cut his throat open whilst eating a crab sandwich in Florida (cost $25,000), another client who had to cancel their family skiing holiday when their daughter broke her leg 2 weeks before going (cost £10,000), and a client whose mother died unexpectedly whilst they were on holiday cruising around the Mediterranean (cost to get emergency transport home £5,000).

If it’s a medical emergency, call the number contained within your policy documents. We can help obviously, but if you’ve broken your leg in Outer Mongolia you probably need someone who can get you to a private hospital and/or fly you home quickly, so that’s why you should speak to them. If it’s more of a routine claim once you get home, then yes, please call us, we are here to help.

At Prizm, we primarily deal with several specialist underwriters who you probably haven’t heard of including Aneevo, David Oliver, Jackson Lee, PJ Hayman, Accident and Health but we use them because they are good and pay claims.