It does not matter if you want travel insurance over 65. As brokers we have a wide range of cheap policies available that cover people even older. No upper age limit on single trip policies, an age limit of 85 on annual policies.
Single trip, backpacker insurance and long stay travel insurance policies mostly commence 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 select the 'medical travel insurance' only button above then all additional options will be removed - other than extending cover for winter sports.
Our online travel insurance is a non-advised service so it will be up to you to decide whether the policy meets your requirements - but 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 confirm premium and terms to met your requirements.
Single trip insurance is available for any UK resident, for people (up to the age of 99) and annual quotes for people up to the age of 85. Subject to age, quotes are available for up to 18 months cover. If you request a single trip policy and you meet the criteria for an annual policy, the annual policy will quote as an option.
Medical: The largest insurance claims made are for medical conditions. We therefore urge people to use the medical screening facilities shown on the results page to ensure that they will be covered in the event of a medical emergency. May we also remind you that ,if you are buying this policy 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 policy they want. All we can do is to point this fact out.
The second mistake that many people make when arranging insurance is to forget that there may be elderly relatives or business colleagues at home whose death could result in the holiday being cancelled. This is not mentioned on many proposal forms but is included in the terms and conditions of the policy.
Is anyone needing travel insurance pregnant? Being pregnant, especially if a multiple birth is forecast, often means that the 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 want your travel insurance to cover ski-ing or other winter sports, 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. This leads us on to:
All travel insurance has limitations on the activities that are covered. Whilst many backpacker policies 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 policy to cover such hazardous activities for the length of the trip.
If you are a backpacker or student and intend to travel back mid-way through your long stay then you should check that the policy 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.
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
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We hope you like our travel insurance and get a cheap deal for annual travel insurance or single trip travel insurance online. It provides great rates for the elderly, compares single trip and annual policies If you need help please call us on 01207 509446 - during normal office hours (after 10am on Tuesday's) - we can be very busy during the lunch period.