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Over 70s Travel Insurance
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According to a number of recent studies, people over the age of 70 enjoy an average of three holidays each year, while those over 75 are more likely to travel solo, proving that age is no barrier to adventure.
But rediscovering your wanderlust after retirement doesn’t mean you should take any unnecessary risks, which is why having the right travel insurance in place before you take to the skies can prove invaluable.
Why do I need travel insurance?
Unlike some other forms of insurance, travel insurance isn’t a legal requirement. But although it’s optional, it can prove invaluable if something goes wrong while you’re on vacation. Policies can help to cover the cost if your luggage is lost or stolen, or your flights are cancelled and you have to make alternative arrangements.
Holiday insurance can also cover the cost of medical treatment if you have an accident or are taken ill while you’re away. It’s vital not to underestimate the cost of medical care abroad, which can spiral into the tens of thousands in some countries.
Do I have to buy over 70s travel insurance?
Just because you’re over the age of 70 doesn’t mean you necessarily have to opt for a travel insurance provider that specialises in insurance for older travellers. However, it is worth bearing in mind that some insurers do impose upper age limits on their travel insurance policies, so your range of available providers may be smaller.
By using Quotezone.co.uk’s travel insurance comparison service you’ll be able to compare quotes and policy features from a range of providers, making it more likely you’ll find suitable cover at a fair price.
What does holiday insurance for over 70s cover?
Different insurance providers include different policy features and exclusions, but a good over 70s holiday insurance policy should cover you for:
- Medical expenses – covers the cost of any medical care you might need abroad.
- Repatriation – pays to bring you back home in an emergency.
- Cancellation or curtailment – compensates you if you have to cut short or cancel your holiday through no fault of your own.
- Lost or damaged luggage – pays to replace any accidently lost, stolen or damaged luggage.
- Personal liability – pays legal fees and compensation if you have an accident and someone blames you for their injuries or damage to their property.
Before you jet off or sail away, it’s important to check any exclusions set out by your insurer. If you have an accident while taking part in activities that are excluded, your insurer can refuse to pay out if you make a claim.
With that in mind, you can add on extra features to your policy to ensure you get the protection you need, for example:
- Cruise insurance – compensates you for events like missed port stops or cabin confinement.
- Golf insurance – covers clubs and accessories such as bags and shoes against damage or theft, some policies will also cover cancellation fees if your game is rained off.
- Sports activities – standard travel insurance doesn’t always cover sports activities, for instance: skiing, hiking or cycling. If you do intend to take part in any sports like this, check your policy carefully and add on cover if necessary.
What are the benefits of over 70s travel insurance?
If you do opt for a specialist over 70s travel insurance policy you will sometimes find that it includes a number of features that have been tailormade for older travellers, such as:
- 24-hour emergency medical care
- Cover for lost medication up to an agreed value
- No admin fees if you need to change or amend your policy.
Can I buy over 70s travel insurance with a pre-existing medical condition?
Another big advantage that some over 70s policies offer is an agreed level of cover for certain pre-existing medical conditions such as diabetes or high blood pressure.
However, there are still a wide range of pre-existing conditions that may be excluded from cover no matter which policy you opt for, so it’s always important to double check this in the policy documents before you sign on the dotted line.
Can I buy annual travel insurance if I’m over 70?
If you’re lucky enough to go away twice or more in a 12-month period then annual (or multi trip) insurance is likely to be the most cost-effective policy in the long run. Single trip policies, on the other hand, are best for travellers who only go away once each year.
Whether you buy a single trip or annual policy, it’s worth noting that insurers usually limit the amount of time each holiday can last – typically this is 31 days.
If you have an annual policy you can still go away several times a year, but each holiday can’t be for more than the limit set.
If you’re planning on going away for a few months you’ll need to ask your insurer to extend your policy to cover the time you’ll be on holiday for.
Do I need over 70s travel insurance for UK holidays?
If you’re holidaying in the UK you won’t need to worry about paying for medical care, but if you do have an accident or need to go into hospital a travel insurance policy could prove invaluable – it could cover the cost of moving to a medical facility closer to home, for instance.
Also, don’t forget that insurance will also cover unforeseen events like damaged luggage and cancelled internal flights.
How much is travel insurance for the over 70s?
The cost of cover varies depending on your own circumstances. Insurers will take into account where you’re going, what you’ll be doing, and how long you’re going for.
As tempting as it might be to go for cheap travel insurance for over 70s, you should always check that a policy covers your needs. No matter how cheap a travel insurance policy might be, if it doesn’t give you the cover you need it’s a false economy.
At Quotezone.co.uk we understand how important it is to get the right type of cover. To help you find what you need, simply fill out this short form and let us know what you’re looking for – we’ll then do the searching for you.