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Travel insurance for Over 70s

Nothing is better than a good holiday in retirement. The 9-5 routine is gone, and it’s time to explore.

Donations to Age UK's charitable work from Age Co sales are expected to reach £3 million each year

  • 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

Perhaps you have a travel bucket list you want to get started on, or you just want to return to some of your favourite places across the globe. You might even want to dive in and take the grandchildren on a trip to Disney World. Plus, there are benefits to being an older traveller – you’re not tied to a holiday calendar and many destinations across Europe provide discounted access, so it’s time to make the most of it. 

Wherever you decide to go, it’s important to make sure you take out travel insurance that’s right for you, but older travellers often find it harder to obtain the cover they need. 

 

Can I get insured? 

For travellers over 70, many insurers charge a premium and some even stipulate an age limit. This is because travel insurance is calculated based on your level of risk, which largely depends on your health. As we get older we are more likely to have health problems and therefore our risk is higher.

However, age is not a reason to penalise or refuse cover. That's why Age Co Travel Insurance has no upper age limit and provides cover for pre-existing medical conditions wherever possible**.

What if I have pre-existing medical conditions?

It’s quite likely that you will have pre-existing medical conditions and many people suffer from them. Common conditions include high cholesterol, high blood pressure and diabetes. 

Many people suffer from pre-existing medical conditions, such as high cholesterol, high blood pressure and diabetes. While it’s quite unlikely that anything will happen to you on your travels, it's important to declare any pre-existing medical conditions to ensure that you are protected against any eventuality. Plus, if you take out travel insurance at the point of booking, in most cases it’ll also cover against cancellation should your circumstances change.

Find out more about travel insurance with pre-existing medical conditions.

Things to consider 

Before you buy, it’s worth thinking about how often you plan to travel. For instance, if you’re planning to make regular trips, you might be better suited to an annual multi-trip policy. Alternatively, you could consider a single trip policy. 

You should also think about where in the world you’re travelling to as it will also change your level of risk. 

Lastly, if you’re planning to travel with family, an Age Co Travel Insurance policy will provide free cover for children under 18*, providing they are named on the policy. So ensure you familiarise yourself with the details before unnecessarily adding to your costs.

Your cover options

There are two types of travel insurance policies 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 for 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 deposit or for holidays under £100 total cost
If your trip is cut short

£5,000

£50 or £15 for loss of deposit 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 tp £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 £500) Does not apply
Catastrophe £500 Does not apply 

Cover for pre-existing medical conditions

Age Co Travel Insurance can also cover pre-existing medical conditions, so there in no need for specialist cover**.

People suffer from pre-existing medical conditions, such as high cholesterol, high blood pressure, diabetes, osteoarthritis or asthma.  Age Co Travel Insurance is designed to ensure that your costs will be covered should you fall ill whilst travelling.

Read more about pre-existing medical conditions.

Get in touch today

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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.

**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. If a child requires medical screening they will attract a premium in respect of this.

§§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.

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

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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