Over 65s Travel Insurance
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Over 65s Travel Insurance
Compare Over 65s Travel Insurance Deals
Retirement can offer the chance to expand your horizons by visiting all those far-flung places you’ve dreamed of – but unfortunately, travel insurance does get more expensive once you’re over the age of 65. However, our FREE table allows you to compare leading offers from specialist over 65s travel insurance providers using our quick and easy travel insurance comparison service.
What to look for when comparing over 65s travel insurance
Points to bear in mind when choosing over 65s travel insurance include:
- Online discounts and special offers
- The level of medical expenses covered
- Whether you will be covered for scheduled airline failure
Finding the best over 65s travel insurance rates
Over 65s travel insurance tends to be a bit more expensive than regular travel insurance due to increased risk, similar to pre-existing medical condition travel insurance. However, over 65s travel insurance is relatively easy to find, and some insurers provide cover specifically for the over 65s – in fact, some travel insurance providers have no upper age limit at all, so you can continue travelling long into your retirement. Our free comparison table above allows you to find the best over 65s travel insurance deals. Compare the policies on offer or click on the links for a more detailed comparison and to find out more
Features of over 65s travel insurance
Depending on which travel insurance provider you choose, over 65s travel insurance could include some of the following benefits:
- Scheduled Airline Failure as standard
- 24 hour medical emergency helpline
- Medical expenses
- Cancellation cover
- Golf equipment cover
- Personal belongings cover
- Passport replacement service – get instant assistance if your passport is lost or stolen while you are on holiday
- Children and Grandchildren under the age of 18 can be insured for free when travelling with an adult aged over 21, who is named on the travel insurance policy
- Winter sports cover – get the right cover for you if you plan on going skiing or snowboarding during your trip. This may include hired ski equipment cover, avalanche cover and piste closure.
- Cover for cancellation of paid excursions during your trip
- Cover if your travel or accommodation provider goes out of business
How to get the best over 65s travel insurance deals
Travel insurance for people over 65 tends to incur higher premiums. This is because insurers view older people as being at a higher risk than younger travellers of suffering health problems while on holiday. However it’s not worth taking the risk of travelling uninsured. Instead, use the following tips in conjunction with out FREE travel insurance comparison table above to compare the best travel insurance deals for over 65s:
- Shop around – compare several different over 50s travel insurance providers to find the best rates for you
- Budget for specialist cover – remember to add extras such as winter sports cover into your total travel insurance costs when comparing the best deals
- Compare single and annul travel insurance – depending on how often you travel you may want to consider a multi-trip travel policy as this could work out cheaper.
- If you’re taking a cruise, bear in mind that you may require specialist cruise insurance to cover the potentially higher costs of medical evacuation and repatriation if you fall ill at sea.
- Do your research – look for specialists in travel insurance for older people
- Be honest – if you have any pre-existing medical conditions, it’s best to declare them upfront. Many specialist insurers will work with over 65s to help them find the cheapest travel insurance deal for their medical background, age, and circumstances.
Why do I need travel insurance?
Why do I need travel insurance?
It’s very easy to get so caught up in planning your trip that you neglect to buy travel insurance – or just buy the first no-frills policy you can find, which isn’t much better. After all, none of us like to think about something going wrong on our travels. But here are few good reasons why you should always take the time to buy an appropriate travel insurance policy before you set foot on a plane:
- Your flights could be delayed or cancelled: This may not be a life-or-death situation, but it’s still a major irritation – no one wants to have to hang around an airport for longer than is absolutely necessary. Many policies will compensate you if your flight is delayed for a certain length of time, or if it’s cancelled altogether.
- You could become ill and need to go to hospital: Living in the UK with the benefit of NHS treatment, it’s easy to forget that much of the world’s healthcare systems operate on a pay-as-you-go premise – so if you need hospital treatment while on holiday and you don’t have adequate travel insurance, you could find yourself being discharged with a very large bill to pay. For example, if you break your leg while on holiday in the USA, your treatment could cost you a small fortune.
- You could have an accident: If you’re planning on going skiing, snorkelling or skydiving, remember that many standard insurance policies won’t pay out for accidents that occur while taking part in ‘high-risk’ activities like those mentioned above. You will usually need to buy extra cover for these kinds of activities.
- You might need to cancel your trip at short notice: If a family emergency or illness arises just before you’re scheduled to depart, you could stand to lose a lot of money if you need to cancel or postpone your journey. Check that your insurance provider covers you for as wide a range of cancellation reasons as possible.
- Your possessions might get stolen: From major thefts to pickpockets in tourist hotspots, the risk of your money or belongings getting taken is a very good reason to ensure you’ve got the cover you need before you leave.
- Your baggage might get lost or damaged in transit: Bags ended up in Tunisia rather than Toronto? Or has your suitcase arrived off the plane looking decidedly worse for wear thanks to careless handling in transit? A comprehensive travel insurance policy may mean you’ll be covered for these situations.
What’s covered by travel insurance?
What’s covered by travel insurance?
The Foreign Travel Commission advises taking out a travel insurance policy that offers:
- Medical and health cover for an injury or sudden illness abroad – with a minimum of £2m
- 24-hour emergency service and assistance – useful if you get stranded
- Personal liability cover – in case you damage something or injure someone and are sued
- Lost/stolen possessions cover – look for a policy that covers both scenarios
- Cancellation and curtailment cover – essential if you need to cancel or cut short your trip due to an unforeseen emergency at home
- Terrorism – this is now covered by the majority of travel insurance policies, but check before you buy
What’s not usually covered by travel insurance?
What’s not usually covered by travel insurance?
The following are usually excluded from standard travel insurance policies:
- Incidents related to drink or drugs
- Incidents in which you have not taken reasonable care of your belongings – in the eyes of the insurance provider, you have a responsibility to do your best to ensure the security of your possessions or you won’t be covered
Types of travel insurance
Types of travel insurance
- Single trip – This will cover you for one trip, and is most cost-effective if you’re only planning on going away less than 2-3 times in a year.
- Annual multi-trip – If you’re a frequent traveller, annual cover may be more cost-effective. This will usually cover you for an unlimited number of trips in a year, up to a maximum duration per trip (usually around a month)
- Gap year/backpacker travel insurance – If you’re travelling for between three months and a year, you are likely to need specialist backpacker or gap year insurance, which is offered by many providers.
- Winter Sports/Hazardous activities cover – You’ll need to take out extra cover for activities that are commonly excluded from standard policies – if you’re going skiing, bungee jumping or mountaineering, look for a policy that covers hazardous activities.
- Specialist cover – if you have a pre-existing medical condition or are over a certain age, you’ll often need to find a specialist travel insurance provider. Cover may be more expensive than standard because you’re deemed a higher risk by the insurance company.