Annual travel Insurance USA and worldwide
When requesting quotes for annual travel insurance premiums to
include the USA are the highest due to the extra cost of medical care. Our travel insurance quotation system
caters for insurance to the USA (any of the 50 states in the USA are covered automatically and
we have just launched a new travel insurance policy which is extremely competitive for USA
Features of new travel insurance policy covering the USA
Available for travellers including the over 65 and 70 up to
the age of 74 wanting to visit the USA.
Trips to the USA can be covered for either 31, 45, 61 or 93
days a trip.
Suitable for business travel to the USA - business
equipment cover can be included - with many additional features.
The policy is suitable for winter sports in the USA as a
wide range of activities can be automatically included.
Premiums for trips to the USA range from £33.21 (excluding
baggage/ cancellation, £100 excess for someone under 50) to £501.70! (93 days a trip,
gold cover, age of traveller is 74)
Should business cover be required to travel to the USA then
a reasonable policy is available for £77.57 (Silver cover - £50 excess including
Travel dispute cover is an optional extra - this extends
the traditional legal expenses section to cover legal disputes with carriers such as
airlines, tour operators etc.
Quote for Redwood Travel
Insurance including annual USA
online quotation system is available. Immediate quotes can be obtained.
Rating Factors affecting annual travel insurance and their impact
Age of travellers: Whilst quotes are available for annual
travel insurance up to 85 through our quotation system, (74 on the Redwood policy)
premiums do increase with age. In particular the common age bands seem to be : (0-49) (40
- 64) (65 - 74) (75 - 80) (81 - 85). Annual travel insurance for the over 65 is very
rarely found on price comparison websites and we are therefore pleased to be able to offer
Is baggage cover needed? Discounts are available for
travelling light - these are usually 10% - 15%. Please remember that the baggage section
is not on a 'new for old' basis and has a relatively low single article limits so in many
cases it would be best were valuables to be covered under a home insurance policy.
Is cancellation cover needed? If cancellation cover is not
a requirement then savings of up to 20% can be made - this is usually omitted on single
trips booked at short notice rather than annual travel insurance where trips can be, and
frequently are, booked months in advance.
How long is the maximum trip? Again there seem to be set
ranges, although the exact length can vary between policies: 31, 45, 61 and 93 are usual,
some cheaper policies provide cover for only 21 days a trip whilst others may have a
maximum length of 90 days instead.
What excess is wanted (various policies
quote with difference excesses and for some the excess can be deleted). Our Redwood policy
has three levels of cover with optional discounts for £100, £50 and £25 excesses. When
comparing travel insurance online the excess is the important factor. There hasn't been a
medical expenses claim exceeding £1,000,00 yet so offering £10,000,000 cover is merely
window dressing - sucker bait. Everyone has to pay the excess though.
What limits on cover are wanted. (As a
range of policies are quoted different benefits are provided). The Redwood bronze contract
for instance provides £1,000 cancellation cover and £500 baggage cover whereas the Gold
contract provides £10,000 cancellation and £2,500 baggage cover.
Location where travelling. This page has information for
annual travel insurance including the USA, Canada and the Caribbean. Policies excluding
these areas are approximately 10% cheaper whereas those restricting travel to Europe are
typically half the price.
Terrorism - is it included
Unlike many on-line insurers, most of our
policies will provide medical cover in the event of a terrorist attack. We
remind you to check on the FCO website to ensure that up to date
information is provided and also that insurers tend to exclude cover if
you are travelling against FCO advice.
Advice - available if you call.
If you want advice then please call us on 01207 509446.
Our staff are only too pleased to discuss your requirements.
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