Travel Insurance

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Get your travel insurance quote today

Lines are open Mon - Fri 9am to 5pm. Calls may be recorded.
Age UK Travel Insurance is provided by Ageas Insurance Limited.

Enjoy your holiday with the peace of mind that you have chosen the right cover with either a single trip or annual multi trip policy.

It has been bad enough dealing with a wrist fracture and operation, so I have appreciated not having any “hassle” about my travel insurance claim
Mrs Elizabeth B - Travel Insurance customer | London

Age is not a barrier with Age UK Travel Insurance. Over 65 year old customers can be covered and we provide travel insurance for over 70 years and even travel insurance for over 80 years.

Age UK Travel Insurance benefits:

  • Travel insurance for pre-existing medical conditions wherever possible**
  • 24-hour emergency medical assistance
  • Emergency medical expenses up to £10 million incurred outside the UK
  • Cover for medical equipment  against loss theft or damage†
  • Personal belongings cover
  • Cover for loss of deposit and cancellation charges.

 

 

Your policy also includes:

  • Winter sports cover up to 17 days included with Annual Multi-trip policies
  • Cover for financial failure of the travel or accommodation provider
  • Free Pre-Travel Line for advice on visas, passports, inoculations, bank opening hours, local holidays, motoring restrictions and other queries 
  • Free cover for children under 18^
  • Special discounts for groups of ten or more adults travelling within the UK
  • No administration charge for amending policy

Summary of cover

Age UK Travel Insurance includes the following features and benefits, which are explained in detail in your policy booklet.

Remember there is no upper age limit and you can cover your pre-existing medical conditions wherever possible.**

Cover

Sum insured †

Event excess

If your trip is cancelled £5,000 £50/ £15 for loss of deposit or for holidays under £100 total cost
Paid excursions £200 As above
Additional expenses if your carer is taken ill £500 As above
If your trip is cut short £5,000 £50 or £15 for holidays under £100 total cost
Missed departure - extra travel and accommodation expenses £1,000 £50
Delay (not UK & Channel Island trips)

£100/£20 per 8 hours
£5000 for cancellation

Does not apply / 
£50

Medical expenses £10 million £75 (£150 per family)
UK trip non-medical emergency expenses £10,000 £25 (£50 per family)
Hospital benefit ^ £500/£25 per day Does not apply
Personal accident - death £15,000 Does not apply
Personal accident - loss of a limb/sight £25,000 Does not apply
Personal accident - permanent disability £25,000 Does not apply
Mugging £250 Does not apply
Personal belongings (unless you have removed this cover) £2,500 £50
Any one item, pair or set £300 £50
Valuables £600 in total £50
Sports equipment £500 £50
Medical equipment (for any one item, pair or set)

£1,000 in total  (£500)

£50
Temporary loss of belongs (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 £2,500/£100 per 24 hours Does not apply
Catastrophe £500 Does not apply

Winter sports
(If shown on your statement of Fact/Policy schedule )

Sum insured

Event excess

Winter sports equipment £600 £50
Hired equipment £150 £50
Winter sports equipment hire £300/£30 per day Does not apply
Ski pack £300 Does not apply
Piste closure £300/£30 per day Does not apply
Avalanche closure £300 Does not apply

Please download our Policy document below to see full terms & conditions.

Winter sports – within the policy, for example, under Section 5 of the policy booklet (‘Medical and other expenses’), you are not covered for claims caused by you taking part in winter sports (unless you have paid the additional winter sports premium for a Single Trip policy or if you have chosen the Annual Multi-trip policy which automatically provides you with 17 days winter sports cover within the period of insurance).

† 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.

^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.

Note:

  • Only one excess will apply per claim event and no more than two excesses per couple

Download the Travel Insurance Policy booklet (PDF 807 KB)

Before you buy

To buy Age UK Travel Insurance, just follow these simple steps:

Woman on the phoneRemember there is no upper age limit and you can cover your pre existing medical conditions wherever possible**.

  • Decide if you would like Single Trip or Annual Multi–trip cover.
  • Check if you already have personal possessions cover on your home insurance. You could save up to 5% by excluding personal possessions cover from your Travel Insurance policy. 
  • Decide if you want to remove the excess amounts. It will add an extra cost to your premium, but then you won’t need to pay the excess of any claim that you make.  
  • Let us know which countries you are travelling to for Single Trip cover, or the countries/regions you expect to be travelling to for an Annual Multi-trip policy.
  • You will need to answer questions regarding the health of all travellers to be insured. Pre-existing medical conditions are covered subject to medical screening and acceptance by underwriters.

opens link in new window Download the Travel Insurance Policy Booklet - PDF (807KB)

FAQs

Below are a few of the questions customers often ask about Age UK Travel Insurance – we hope the answers will be helpful for you.

Q. Will I get my money back if my travel or accommodation provider goes out of business?
Q. I am travelling abroad and suffer from a pre-existing medical condition – should I tell anyone when I apply for cover?
Q. Will Age UK Travel Insurance accept everyone as a customer?
Q. My friend was coming on holiday with us but has now dropped out. Can they have their premium refunded?
Q. If I take out this travel insurance, will it be like having private medical cover abroad?
Q. What if I change my mind?
Q. I took out European Annual Multi-trip cover but now am planning to travel outside Europe. Do I need a whole new policy?
Q. Why can’t my Annual Multi-trip cover start just before I take my next trip?
Q. Why buy travel insurance? What are the risks of not buying the right cover?
Q. What are the most common claims?
Q. Where can I get more information on any other travel-related questions I might have?

Happy lady swimming Q. Will I get my money back if my travel or accommodation provider goes out of business?

A. Your policy covers you for the failure of the travel or accommodation provider where there is no other protection or recovery available to you (such as a bond or protection under a credit card).

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Q. I am travelling abroad and suffer from a pre-existing medical condition – should I tell anyone when I apply for cover?

A. Yes, this is very important, whether you’re taking out cover for a Single Trip policy or an Annual Multi-trip policy. If you are travelling outside of the United Kingdom and answer ‘Yes’ to the medical declaration on page 4 of the Policy booklet, you must declare all medical conditions before taking out or renewing your policy. If you have an Annual Multi-trip policy, you must call Ageas on 0845 128 8008 if there is a change in your health during the policy year, which means that you answer ‘Yes’ to any of the medical declaration questions.

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Q. Will Age UK Travel Insurance accept everyone as a customer?

A. Some travellers have medical conditions that simply cannot be covered by the standard Age UK Travel Insurance policy. In those cases you may be referred to a broker, P. J. Hayman & Co. Limited, which operates a scheme called ‘Free Spirit’ that may be able to help provide cover for you.

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Q. My friend was coming on holiday with us but has now dropped out. Can they have their premium refunded?

A. No, cover includes cancellation charges and for that reason it has to start on the date of issue, not on the date the holiday starts. Your friend has already in effect used some of their cover when booking the holiday.

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Q. If I take out this travel insurance, will it be like having private medical cover abroad?

A. No, travel insurance and private medical insurance are different things. Travel cover will look after emergency expenses if you are injured or ill abroad, but not the wide range of treatment expected with medical insurance.

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Q. What if I change my mind?

A. You may cancel your policy within 14 days and receive a full refund. No refund of premium is available after the 14-day period, or if a claim has or will be made. A refund of premium is only available for a Single Trip Policy if the period from the date of issue of the policy to your scheduled return date home is greater than 28 days. See the Policy booklet for more details.

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Q. I took out European Annual Multi-trip cover but now am planning to travel outside Europe. Do I need a whole new policy?

A. No, but you have the option to upgrade the policy you have to include worldwide cover (subject to terms & conditions and underwriting criteria). You will of course need to pay the difference between the premiums for European and Worldwide policies.

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Q. Why can’t my Annual Multi-trip cover start just before I take my next trip?

A. Your cover includes loss of deposit and cancellation charges, so it’s essential you already have the cover in place when you book and pay your deposit.

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Q. Why buy travel insurance? What are the risks of not buying the right cover?

A. The Foreign & Commonwealth Office provides essential and very practical advice about travel and travel insurance, it is very clear – ‘Don’t leave home without it’. Surprisingly, many people do, yet the cost of even routine medical treatment abroad can be extremely expensive. Without appropriate travel insurance, medical emergency costs while abroad could be incurred by the traveller.

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Q. What are the most common claims?

A. More than seven out of ten claims made under Age UK Travel Insurance are the result of medical emergencies. Two out of ten claims relate to cancellation and fewer than one out of ten claims are to do with baggage or money.

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Q. Where can I get more information on any other travel-related questions I might have?

A. More information can be obtained by contacting the Foreign & Commonwealth Office: Website: opens link in new window www.fco.gov.uk
Telephone: 0845 850 2829
Useful guides:
Travel Safe (FCO & Lonely Planet), World Wise (FCO & Lonely Planet), Checklist for Travellers (FCO)

**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.

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Travel insurance tips

No one wants a bad holiday experience. Read our useful tips on how to prepare for your holiday and keep safe and healthy on your break.

  • Older couple outsideBefore going away, research your destination for any pre-departure vaccinations you may need.
  • Remember to pack any medication for pre-existing medical conditions in your hand luggage.
  • To avoid getting deep vein thrombosis (DVT), wear DVT socks during long flights, move your feet around, take walks if possible and stay hydrated by drinking plenty of non-alcoholic drinks.
  • Make sure that any meat and seafood you eat has been properly cooked and avoid food from places where the dishes may have been in the sun all day.
  • Don't drink the tap water without checking first that it is safe. Ice is often made from tap water too, so ask for your cold drinks without ice.
  • Avoid extended periods of sunbathing especially during the hottest hours of the day. Always use a high factor sun block and drink plenty of fluids to avoid dehydration. 
  • Always take a small but comprehensive first aid kit on holiday in case of minor emergencies. 
  • Take details of your travel insurance policy with you on your trip, including the emergency helpline number in case you need to claim.

Medical exclusions may apply and acceptance is not guaranteed. Terms, conditions and exclusions apply to this insurance. 

** Subject to medical screening and acceptance by underwriters.

Medical Conditions

Age UK also offers Travel Insurance with medical conditions. Please click here for more information.

For more information

Get a quote today

0800 389 4852*

Lines open Mon - Fri 9am-5pm. Calls may be recorded.

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Find out more about Age UK Travel Insurance

Visit your local Age UK/Concern office

Not all Age UK/Concerns offer all products. Please chack before arranging a visit

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Age UK Travel Insurance is provided by Ageas Insurance Limited.

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited. Calls are normally free from a landline but charges may apply from mobiles.

** 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.

† This includes walking frames and wheelchairs, whether owned or on loan. 

^ 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.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered address: Age UK Enterprises Limited, Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

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