When you reach 80 you have the time to kick back and relax and you’re free to go and explore. Perhaps you’d like to revisit some of your favourite holidays from over the years, or maybe you’re just in search of a bit of sunshine.
Whether you’re a regular traveller, or making a single trip, it’s important that you take out travel insurance that’s right for you, but this is often harder for older travellers.
Many insurers charge a premium for older travellers and some have an upper age limit of 79. The reason for this is that travel insurance is calculated based on your level of risk, which largely revolves around your health. As we age, we are more likely to have a history of medical problems and therefore our risk is higher.
However, we believe that age is not a reason to restrict or refuse cover. That’s why Age Co Travel Insurance has been designed with the needs of older people in mind, with no upper age limit and insurance for pre-existing medical conditions wherever possible†.
†Subject to medical screening and acceptance by underwriters. Medical exclusions may apply and acceptance is not guaranteed. Terms, conditions and exclusions apply to this insurance.
Many people suffer from pre-existing medical conditions, such as high cholesterol, high blood pressure and diabetes, and as we get older the chances of these issues increase.
It's important to declare any pre-existing medical conditions to ensure that you are protected against any eventuality.
It’s unlikely anything will happen to you on your travels, and we hope it doesn’t, but if you don’t take out specialist cover you could be left to deal with a difficult and expensive situation, should something happen.
Find out more about travel insurance with pre-existing medical conditions.
There are different options available to you when it comes to travel insurance. You should take the time to consider how often you plan to travel. If you’re planning to make regular trips, it could be better value for money to take out an annual multi-trip policy. Or you might be planning just the one trip, in which case you should consider a single trip policy.
Your destination also affects the cost of your cover, as where in the world you’re travelling to also changes your risk factor.
Finally, if you’re going away with family, an Age Co Travel Insurance policy will provide free cover for children under 18**, providing they are named on the policy. So make sure to read the details in case you’re bringing grandchildren along.
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. |
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 |
£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) |
£100 / £20 per 8 hours |
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 tp £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 |
Age Co also offers Travel Insurance for those with medical conditions.
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.
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.
Read more about pre-existing medical conditions.
0800 389 4852* 0800 389 4852*
Lines open Mon-Fri: 9am to 5pm.
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.
††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.
§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.
*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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