Travel Insurance

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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.

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

I decided to take out my travel insurance with Age UK as I found them to be the most reasonably priced. I found the service very good and would like to thank you very much for the excellent and efficient way the claims were carried out
Mrs Vickers | West Midlands
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
  • 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

 

 

 

If you have already started a quote, the details have been saved for you, retrieve your quote here.

†Subject to limits, terms, conditions and exclusions.

‡Subject to medical screening and acceptance by underwriters. Medical exclusions may apply and acceptance is not guaranteed.

§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.

Your cover options

There are two types of travel insurance policies to choose from:

Single Trip cover - For those who just want to take a one-off trip.

Annual Multi-trip cover  - See if you could save money by taking out an annual policy.

Other options available:

  • You can save money on your premium if you have personal belongings cover away from your home as part of your home contents policy – please check your policy first.
  • Groups – special discounts are available for groups of ten or more adults travelling together in the United Kingdom and insured under the same policy.
  • Winter sports cover – can be added for an extra cost to your premium to a Single Trip policy, and is included automatically up to 17 days under the Annual Multi-trip policy.
  • Do you want to remove the excess? It will add a small extra cost to your premium, but it means you won’t need to pay the first portion of any claim you may make.

What your policy will cover

See what is and isn't covered by Age UK Travel Insurance

In addition to this summary of cover, please refer to the policy document for terms, conditions, limitations and exclusions.

Cover

Sum insured††

Event excess‡‡

If your trip is cancelled

  • Paid excursions
  • Additional expenses if your carer is taken ill

£5,000

  • £200
  • £500

 £50/ £15 for loss of deposit or for holidays under £100 total cost

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

UK trip non-medical emergency expenses

£10 million

£10,000

£75 (£150 per family)

£25 (£50 per family)

Hospital benefit§§ £500/£25 per day Does not apply

Personal accident:

  • death
  • loss of a limb/sight
  • permanent disability

 

  • £15,000
  • £25,000
  • £25,000
Does not apply
Mugging £250 Does not apply

Personal belongings (unless you have removed this cover)

  1. Any one item, pair or set
  2. Valuables
  3. Sports equipment
  4. Medical equipment (for any one item, pair or set)

£2,500                                 

  1. £300
  2. £600 in total
  3. £500
  4. £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

††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.

‡‡The event excess is per person.

§§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.

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Winter sports cover

Winter sports cover – can be added for an extra cost to your premium to a Single Trip policy, and is included automatically up to 17 days under the Annual Multi-trip policy. 

Cover

Sum insured***

Event excess†††

Winter sports eqiupment

  • Hired equipment

£600

  • £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 cloure £300 Does not apply

***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.

†††The event excess is per person.

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).

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.

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.

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.

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.

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.

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.

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)

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Medical Conditions

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

Useful documents and information

Product Literature

opens link in new windowTravel Insurance Policy booklet (PDF 934 KB)

opens link in new windowTravel Insurance Policy Summary and About our Services (PDF 528 KD)

If you're an existing customer, please call us on 0845 128 8008‡‡‡ for copies of your existing documents. 

For more information

Get a quote today

0800 389 4852*

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

Request a brochure

Find out more about Age UK Travel Insurance

Visit your local Age UK/Concern office§§§

§§§Not all Age UK/Concerns offer all products. Please check 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.

‡‡‡If you call the 0845 number you will be dealing with Ageas Insurance Limited. Calls may be recorded.

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.

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