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  • 24-hour emergency medical assistance
  • Cover for pre-existing medical conditions wherever possible**
  • Free cover for children under 18***
  • Emergency medical expenses up to £10 million
  • No admin fees to pay if you change your policy
  • Cover for loss of deposit & cancellation charges
Donations to Age UK’s charitable work from Age Co sales are expected to reach £3 million each year

Age Co Over 50s Travel Insurance

Age Co Travel Insurance is designed with the needs of older people in mind and aims to be as inclusive as possible.

We offer specialised cover for the over 50s, with no upper age limits, and provide insurance for pre-existing medical conditions wherever possible**.  

Enjoy your holiday with 5 Star Defaqto rated Travel Insurance from Age Co and choose from either a single or annual multi trip policy.

Additional benefits include:

  • Cover for financial failure of the travel or accommodation provider
  • Cover for medical equipment against loss, theft or damage§
  • Personal belongings cover
  • Free Pre-Travel Line for advice on visas, passports, inoculations, bank opening hours, local holidays, motoring restrictions and other queries
  • Special discounts for groups of ten or more adults travelling within the UK

§ This includes walking frames and wheelchairs, whether owned or on loan.

Your cover options

There are two types of travel insurance policy to choose from:

Single Trip cover - For those who just want to take a one-off trip. Annual Multi-trip cover  - See if you could save money by taking out an annual policy.

Other options available: 

  • Groups – special discounts are available for groups of ten or more adults travelling together in the United Kingdom and insured under the same policy.
  • Winter sports cover – can be added for an extra cost to your premium to a Single Trip policy, and is included automatically up to 17 days under the Annual Multi-trip policy.
  • Do you want to remove the excess? It will add a small extra cost to your premium, but it means you won’t need to pay the first portion of any claim you may make.

Download the Travel Insurance Policy Document

What's covered?

See what is and isn't covered by Age Co Travel Insurance.

In addition to this summary of cover, please refer to the policy document for terms, conditions, limitations and exclusions.

Cover Sum insured++ Event excess‡‡

If your trip is cancelled
Paid excursion (If your trip is cancelled)                      Additional expenses if your carer is taken ill

£5,000                                                                   £200                                                                            £500

£50 or £15 for loss of deposity or for holidays under £100 total cost
If your trip is cut short

£5,000

£50 or £15 for loss of deposity or for holidays under £100 total cost
Missed departure- extra travel and accomodation expenses

£1,000

£50 

Delay (not UK & channel Island trips)

£20 per 8 hours (up to £100)                                               

Does not apply

Medical expenses

UK trip non-medical emergency expenses

£10 million

£10,000

£75 (£150 per family)

£25 (£50 per family)

Hospital benefits§§

£25 per day (up to £500)

Does not apply
Mugging

£250

Does not apply

Personal accident:

Death
Loss of a limb/sight
Permanent disability

 

£15,000                                                                    £25,000                                                                   £25,000

Does not apply

 Personal belongings

Any one item, pair or set Valuables                                                                             Sports equipment                                                        Medical equipment (for any one item, pair or set)

£2,500

£300                                                                                 £600 in total £500                                                                           £1,000 in total (£500)

£50

Temporary loss of belongings ( over 9 hours) £250 Does not apply
Money and documents £1,000 £50
Cash limit £300 £50
Loss of passport £250 Does not apply
Personal liability £2 million £250 for damage to rented holiday accommodation
Travel legal expenses £25,000 Does not apply
End supplier Financial Failure £1,500 Does not apply
Hijack / Kidnap £100 per 24 hours (up to £2,500) Does not apply
Catastrophe £500 Does not apply 

Winter sports cover

Winter sports cover can be added for an extra cost to your premium to a Single Trip policy, and is included automatically up to 17 days under the Annual Multi-trip policy.

Cover Sum insured++ Event excess‡‡

Winter sports equipment

Hired equipment (as part of your trip)

£600

£150

£50
Winter sports equipment hire**** £30 per day (up tp £300) Does not apply
Ski pack £300 (up tp £300) Does not apply
Piste closure £30 per day Does not apply
Avalanche closure £300 Does not apply

Cover for pre-existing medical conditions

As an older person seeking out travel insurance, you may be concerned as to whether you are able to get cover if you have any pre-existing medical conditions. We offer specialised cover for the over 50s, with no upper age limits, and provide insurance for pre-existing medical conditions wherever possible††. 

Many people suffer from pre-existing medical conditions, such as high cholesterol, high blood pressure, diabetes, osteoarthritis or asthma. Pre-existing cover is designed to ensure that your costs will be covered should you fall ill whilst travelling.

Travel insurance for pre-existing medical conditions is specialist cover for older travellers with a history of illness. It’s different to standard travel insurance which only usually covers you against medical emergencies.

Read more about pre-existing medical conditions.

Frequently Asked Questions

Will I get my money back if my travel or accommodation provider goes out of business?

Your policy covers you for the failure of the travel or accommodation provider where there is no other protection or recovery available to you (such as a bond or protection under a credit card).

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I am travelling aboard and suffer from a pre-exisiting medical condition- should I tell anyone when I apply for cover?

Yes, this is very important, whether you’re taking out cover for a Single Trip policy or an Annual Multi-trip policy. If you are travelling outside of the United Kingdom and answer ‘Yes’ to the medical declaration on page 4 of the Policy booklet, you must declare all medical conditions before taking out or renewing your policy. If you have an Annual Multi-trip policy, you must call Ageas on 0345 128 8008‡‡‡ if there is a change in your health during the policy year, and you answered ‘Yes’ to any of the medical declaration questions.

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Will Age UK Travel Insurance accept everyone as a customer?

Some travellers have medical conditions that simply cannot be covered by the standard Age UK Travel Insurance policy. In those cases you may be referred to a broker, P. J. Hayman & Co. Limited, which operates a scheme called ‘Free Spirit’ that may be able to help provide cover for you.

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My friend was coming on holiday with us but has now dropped out. Can they have their premium refunded?

No, cover includes cancellation charges and for that reason it has to start on the date of issue, not on the date the holiday starts. Your friend has already, in effect, used some of their cover when booking the holiday.

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If I take out this travel insurance, will it be like having private medical cover abroad?

No, travel insurance and private medical insurance are different things. Travel cover will look after emergency expenses if you are injured or ill abroad, but not the wide range of treatment expected with medical insurance.

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What if I change my mind?

You may cancel your policy within 14 days and receive a full refund. No refund of premium is available after the 14-day period, or if a claim has been or will be made. A refund of premium is only available for a Single Trip Policy if the period from the date of issue of the policy to your scheduled return date home is greater than 28 days. See the Policy booklet for more details.

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Why buy travel insurance? What are the risks of not buying the right cover?

The Foreign & Commonwealth Office provides essential and very practical advice about travel and travel insurance, it is very clear – ‘Don’t leave home without it’. Surprisingly, many people do, yet the cost of even routine medical treatment abroad can be extremely expensive. Without appropriate travel insurance, medical emergency costs while abroad could be incurred by the traveller.

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I took out European Annual Multi-trip cover but now am planning to travel outside Europe. Do I need a whole new policy?

No, you have the option to upgrade the policy you have to include worldwide cover (subject to terms & conditions and underwriting criteria). You will, of course, need to pay the difference between the premiums for European and Worldwide policies.

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What are the most common claims?

More than seven out of every ten claims are the result of medical issues that either lead to having to cancel a trip, or to needing medical attention abroad, and fewer than one of every ten claims is to do with baggage or money.

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Where can I get more information on any other travel-related questions I might have?

More information can be obtained by contacting the Foreign & Commonwealth Office Website: www.fco.gov.uk

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Why can’t my Annual Multi-trip cover start just before I take my next trip?

Your cover includes loss of deposit and cancellation charges, so it’s essential you already have the cover in place when you book and pay your deposit.

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Get in touch

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Age Co Travel Insurance is administered by Ageas Retail Limited and provided by Ageas Insurance Limited. 

Age UK Enterprises are always committed to providing good customer service. If you buy a product from Age UK Enterprises, you may be contacted by our partners Feefo on our behalf to find out about your buying experience.

*If you call the 0800 number, you may be transferred to an Age UK office or Ageas Retail Limited.

**Subject to medical screening and acceptance by underwriters. Medical exclusions may apply and acceptance is not guaranteed.

***Free cover for children is subject to them being covered under the same policy as an insured adult and subject to underwriting acceptance and policy terms and conditions.

§§Hospital benefit is payable at £25 per day (up to £500). This is increased to £100 per day (up to £2,500) if your treatment is received in a state hospital which accepts your European Health Insurance Card and your treatment is under the reciprocal arrangements that exist in the following countries: Balearics, Canary Islands, Southern Cyprus, Greece, Malta or Spain.

††The sum insured is for each insured person per trip and is the most that you can claim under the section of the policy document. Other lower limits may apply. These are shown under the appropriate sections of the policy

‡‡The event excess is per person.

**** In the event of your own equipment being lost or stolen on the outward journey or stolen during your stay at the ski resort.

Age UK Enterprises Limited trades under the trading name Age Co Insurance Services. Age UK Enterprises Limited is a trading subsidiary company of Age UK (registered charity, no. 1128267) and donates its net profits to Age UK. Products offered by Age Co Insurance Services are arranged by Age UK Enterprises Limited and arranged and administered by Ageas Retail Limited, both of which are authorised and regulated by the Financial Conduct Authority. Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. FS Register number: 312468. Age UK Enterprises Limited Registered office: Tavis House, 1-6 Tavistock Square, London, WC1H 9NA. Registered in England and Wales 3156159. FS Register number: 311438.

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