| Over 65 travel Insurance | Over 70 travel insurance | Annual Travel Insurance | Over 75 travel insurance | Backpacker Travel Insurance | Senior Citizen Travel Insurance | Over 75 annual travel insurance | Long Stay Travel Insurance | Winter Sports Travel Insurance |
Unlike many providers of travel insurance, it does not matter if you are over 65. For the senior citizen travel insurance is available for up to 154 days and, unless you are over 85, annual travel (90 days a trip) can be covered..
We can extend your travel insurance if you intend to hire a car to provide holiday car hire excess insurance. Holiday car hire excess insurance pays certain expenses that may arise due to hiring a car e.g. fly-drive.
Cost : £39.99 for EU/EEA including Ireland, Iceland, Mediterranean Islands, Morocco, Tunisia, Turkey, Canary Islands, Madeira and the Azores
Cost £59.99 worldwide - excluding Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Mayanmar, Sudan and Zimbabwe and US/Canada residents in their own country.
Insurance covers : Excess - to £2,000, lock-out (£100), road rage & car jacking (£1000), hotel expenses (£150), travel expenses (£50), restitution (£25 per day) due to medical conditions and drop off (£300) if hospitalised.
If you ask for travel insurance for more than 60 days or to one of the excluded areas the policy will not be offered.
Click Here for the Key facts/ Policy Summary
Click Here for the full policy wording
Travel insurance provides many benefits.
For backpacker travel, long stay travel, and single trip travel, the travel insurance policy starts when the trip commences BUT cancellation cover starts immediately. For annual travel insurance, the cover is renewable but cancellation cover starts on the day the policy commences. So for an annual policy we recommend that cover commences as soon as possible even if you do not intend to travel for some time. Medical conditions are discussed below. Please note that if you go for the 'medical travel insurance' only button above then all additional options will be removed - other than extending cover for winter sports.
Travel insurance is offered online on a non-advised service. It will be for you to decide whether the travel insurance meets your requirements. Full information is provided to help so we ask more questions than most. A discount may be given to make the policy cheaper but these only apply at the time the quote is given. Please note that the premium which will be quoted is for the whole Party (Single, Couple, two unrelated, family, or single parent family). If you want a quote for a larger party e.g. 4 adults, please call us on 01207 509446 and we'll provide you with a bespoke quote for your travel insurance..
The largest travel insurance claims made are for medical conditions. When buying travel insurance, we therefore urge people to use the medical screening facilities shown on the results page to ensure you can make a claim for medical conditions. May we also remind you that ,if you are buying travel insurance purely because you need cover for an elderly member of the party, it is possible that your own policy may not cover your additional expenses arising out of an incident involving the senior member of the party. This, we find, is one of the most common mistakes that people make when selecting the travel insurance they want. All we can do is to point this fact out.
Another point: most travel insurance policies will not pay out if the policy must be cancelled due to death or serious illness of elderly relatives or business colleagues at home. This is not mentioned on many travel insurance proposal forms but is included in the terms and conditions.
Is anyone needing travel insurance for pregnancy? Being pregnant, especially if a multiple birth is forecast, often means that the cheap insurance policy may not cover you if you are close to term when you return. Here is a link for general advice about being pregnant and air travel. As brokers we have access to several cheap policies and, uniquely, ask about the status of your pregnancy before quoting those insurance policies that will not exclude your pregnancy.
If you enjoy winter sports travel and you want travel insurance, it is important that you look to ensure that the specific types of winter sports are covered. Whilst on-piste ski-ing is pretty well sure to be covered, off piste, cross-country may not be. Similarly ice skating, luge or bobsleigh may not be covered. We provide full details before you take out your quote but if in doubt please call us and we'll check the winter sports you intend to so are covered under the travel insurance. This leads us on to:
If you intend doing any hazardous activities check that your travel insurance covers them. All travel insurance policies have limitations on the hazardous activities that are covered. Whilst with backpacker travel, the travel insurances specifically include many hazardous activities the traveler should always check the policy. Please note we can arrange bespoke cover for one-off hazardous activities - or even create a travel insurance to cover such hazardous activities for the length of the trip.
We can quote for scuba diving to be included in the cheap travel insurance quote. Whilst the companies we quote for scuba diving are based on information in the insurance policies we recommend you check to ensure that scuba diving is covered for your experience/ qualifications and depth. Scuba diving may not be covered within 24 hours of arrival at the destination with some travel insurance.
If you intend backpacker travel or student gap year travel and intend to travel back mid-way through your long stay then you should check that the travel insurance you take out will cover such an eventuality. This often happens if e.g. you are going to America for a year and will return during the break - so check the travel insurance..
As we are travel insurance brokers we offer deals on many policies - depending on whether you want annual, single trip, backpacker or long stay. Thus the policy limits vary - full details are provided in the policy summaries but below are some examples:
Cancellation: £5,000 - some companies allow this to be extended to £10,000 - long stay/ backpacker may be £1,000.
Typical excess: £35 to £65.00 - which may be deleted
Luggage : £1,000 - £2,000 - watch out for single article limits - typically £200. This section may be excluded to save money and lower limits apply on backpacker/ long stay
Typical excess: £35 to £65.00 - which may be deleted
Please note that this is NOT new for old cover. Insure expensive items on your house insurance
Money - £200 - £500 (cash limit is half this) - and this section often covers loss of passport.
Medical expenses: £2,000,000 or £5,000,000 - again may be lower (£1,000,000) for backpacker policies. Some companies offer £10,000,000 but there has never been call for such a large claim
Typical excess: £35.00 to £65 - may be higher for the elderly on some policies - which may be deleted
Medical cover only is an option - just to cover medical expenses - save up to 50%
Liability - may be £1,000,000 or £2,000,000.
Usually an excess applies to property damage - could be as high as £250.00.
These are the major sections of cover. Others include: personal accident, legal expenses, delayed baggage, missed departure or curtailment etc
Our home page is about buy to let insurance - click (Buy to let Insurance) as well as other types of insurance