What travel insurance is best for over 75s?
Many providers have a maximum age limit on their insurance products in order to keep premiums low but being over 75 shouldn’t stop you
travelling. Travel insurance products are priced based on the perceived
risk, and as older people are more likely to have poor health they are
statistically more likely to claim.
With AllClear, we provide you with a range of products with no age limits, as well as covering pre-existing medical conditions. You can travel when you like, you know what you want, and there’s less pressure to cram everything in – travelling can be better than ever when you’re over 75. But it’s important to make sure you’re fully covered. While other insurance providers may impose restrictions on seniors, we offer over 75s travel insurance for both single and annual multi-trip cover. We let you compare multiple policies in one place.
Shape your cover to your health, holiday, and personal belongings
Here are the main benefits on offer to you:
- 24-hour medical emergency helpline
- Medical emergency expenses of up to £15,000,000
- Up to £1,000 Medical inconvenience benefit for when you are in hospital as an in-patient
- Cancellation cover of up to £5,000
- Personal belongings cover of up to £5,000
All these figures are per person and per trip.
What if you have an EHIC card?
If you decide to travel within the EU, carrying a European Health Insurance Card can help you. The card offers you state healthcare at a reduced cost, or possibly for free. But always remember the EHIC does not replace travel insurance. It won’t cover you if you need to cancel the holiday before you go, or return any lost expenses should you need to come home early. Also, while you are entitled to the same treatment as local residents, the healthcare may not be the same standard as the UK. Of course, if you’re travelling outside of Europe, travel insurance becomes even more vital.
Cruises are increasingly trendy. In fact, over 71% of senior travellers (65+) who have been on a cruise want to go again. We’re pleased to say that of all the policies available on our website, only Avanti and Zurich policies do not cover cruising. However, if you’re looking for specialist cruise cover, head over to AllClear Cruise.
Common questions about cover
Is English widely spoken in the hospitals of your destination?
We provide a language translator when required, on all of our policies.
Will you be enjoying any sports or activities during your trip?
Should you get single trip or annual multi-trip cover?
Single trip travel insurance is a policy which covers you for a one-off trip on selected dates. It has the great benefit of allowing you to travel for longer. Usually 92 days online.
If you’re planning on getting away a few times in the next 12 months, buying an annual multi-trip policy can be cheaper. Also, annual cover gives you the freedom to travel as many times as you like throughout the year! The maximum trip duration does change between annual multi-trip policies, and you can view them here: Maximum trip durations. As an example, you can travel up to 45 days per trip on AllClear Gold and Gold Plus annual multi-trip cover – however old you are. And you can even pay a little bit more to get an extension up to 55 days!
Are you on a waiting list for treatment?
You can include Waiting list cover on selected AllClear policies.
Is there likely to be any natural disasters where you're going?
To be covered for natural disasters; such as a hurricane or earthquake, you can add our Optional Extra of Travel Disruption.
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Travel tips to consider for your holiday
- Being organised and planning your trip well in advance can mean you’re prepared and able to fully enjoy your holiday.
- Do you need any vaccinations? Check with your doctor to confirm the precautions you should take.
- If you need to make extra arrangements for your flight, hotel or any planned trip (such as providing for a wheelchair or any dietary requirements) then make sure those are done before you depart.
- Packing can be a chore and even stressful when you’re looking forward to a holiday. Make a list of everything you’ll need to take with you, including any medicines and what type of clothes you’ll need to ensure you don’t forget anything and also don’t over pack.
- Think about holiday protection insurance! If you book a package holiday; buying flights, accommodation and other components through one supplier, the company selling the package holiday can provide financial protection for all aspects via the ATOL bond system. This protection pays out in the event of the supplier going bust. You can also check out our policies which have End Supplier Failure and Scheduled Airline Failure to make sure you’re covered in full.
- If you’ll be flying for a couple of hours, you might want to consider wearing compression stockings to lower your risk of Deep Vein Thrombosis. Throughout the flight, doing a couple of gentle leg exercises can also help to lower your risk of DVT. Circling your ankles, tapping your heels then toes to the floor and also taking a walk down the plane when it’s safe to do so, are all great ways of keeping you comfortable and healthy while on board.