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Travel Insurance with medical conditions

Man in a wheelchair and a woman on holiday

Relax... knowing you're covered

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

Buying this product supports Age UK’s charitable work.

Older travellers and particularly those who have ailments‚ find it harder to obtain the holiday insurance they need for pre-existing medical conditions.

When it comes to Travel Insurance, age is not a reason to restrict or refuse cover. Many medical conditions should not be excluded and can be covered. Travel insurance is not a ‘luxury’- it is an essential element of any trip or holiday, whether it is travelling in the UK or jetting off to an exotic location. 
Man with his grandson on bikes

That's why Age UK Travel Insurance has no upper age limit and offers you holiday insurance for pre-existing medical conditions wherever possible†.

You can choose from

  • Single Trip cover - for those who just want a one off trip
  • Annual Multi-trip cover - see if you could save money by taking out an annual policy

†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.

 

 

 

At Age UK, we believe that age is not a reason to restrict or refuse cover. Many medical conditions should not be excluded and can be covered. Travel insurance is not a ‘luxury’- it is an essential element of any trip or holiday, whether it is travelling in the UK or jetting off to an exotic location. 
That's why Age UK Travel Insurance has no upper age limit and offers you holiday insurance for pre-existing medical conditions wherever possible†. You can choose from either a  Single Trip or an Annual Multi-trip policy if you are a regular traveller.

Medical exclusions

If you have pre-existing conditions before applying for insurance, each person to be insured must consider the following:

  • If a terminal prognosis has been received
  • If they are waiting for an operation, hospital consultation, the results of any hospital tests or investigations (other than for regular check-ups for a stable condition). Or is waiting for or receiving hospital treatment
  • If any person named on the policy is travelling against medical advice or for the purpose of obtaining treatment

If you have answered yes to any of the above, then you will not be covered for any of the claims under:

  • Section 1 (if your trip is cancelled)
  • Section 2 (if your trip is cut short)
  • Section 5 (medical and other expenses)
  • Section 6 (hospital benefit)

If you are unsure of an answer to a medical screening question, please contact your GP for further clarification.

Please refer to the policy booklet for more information.

What about my medical condition?

If you are travelling outside the United Kingdom‚ you will be asked the following questions about your medical condition(s). If your answer is YES to any of the questions below‚ you will be asked for more information about your condition to establish if full cover can be provided and the premium required. You will NOT be covered if at the time of taking out this travel insurance you answer YES to any of these questions and fail to disclose your pre-existing medical conditions.

You will need to tell us about ALL existing medical conditions if any person named on the policy:

  • has been diagnosed with, or treated for, any form of cancer, leukemia or tumour within the last 5 years;
  • has ever been treated or prescribed medication for:
    i) a breathing condition (asthma need only be declared if it has required hospital treatment, or the use of a nebuliser, or supplementary oxygen);
    ii) a heart or cardiac related condition;
    iii) a circulatory condition such as deep vein thrombosis or a stroke;
    iv) diabetes
  • has, within the last year, been admitted overnight as a hospital in-patient, or had any hospital tests or investigation;
  • has, within the last year, been referred to a specialist consultant.

If you are unsure of an answer to a medical screening question, please contact your GP for further clarification.

Please refer to the policy booklet for more information.

Changes to your health

(Applies to Annual Multi-trip policies only)


You must call Ageas Insurance Limited on 0345 128 8008 if, after taking out this policy, any person named on the policy:

  • develops a condition or experiences any of the circumstances above;
  • has a change in the medical conditions that have already been declared to us.

You will be advised if cover cannot continue and you may be entitled to claim for the cost of cancelling your travel arrangements. Insurers reserve the right to amend the terms of your policy, or cancel it providing you with a pro-rata refund of premium.

Please refer to the policy booklet for more information.

For more information

Get a quote today

0800 389 4852* 0800 389 4852*

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

Request a brochure

Find out more about Age UK Travel Insurance

§Not all Age UKs/Age Concerns offer all products. Please check (by calling your local office) before arranging a visit.

Age UK Enterprises Limited is the commercial arm of Age UK (charity no.1128267) and donates its net profits to that charity. Age UK Enterprises Limited is registered in England and Wales no.3156159. Registered address: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Travel Insurance is administered by Ageas Retail Limited and provided by Ageas Insurance Limited.

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Retail Limited. 

‡If you call the 0345 number you will be dealing with Ageas Retail Limited. Calls may be recorded.

Ageas Insurance Limited - winner of the Insurer Claims Initiative of the Year 2016 - Personal Lines. 

Age UK Insurance is arranged by Age UK Enterprises Limited and arranged and administered by Ageas Retail Limited; who are both authorised and regulated by the Financial Conduct Authority. Ageas Retail Limited is a sister company of Ageas Insurance Limited.

Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. FS registered number: 312468. 

Age UK Enterprises Limited Registered office: Tavis House, 1-6 Tavistock Square, London, WC1H 9NA. Registered in England and Wales 3156159. FS registered number: 311438.

Ref: T5065V5JUL16