Travel insurance for over 70s reviews - Best Money Saver

18th December 2018by Joanna White

Travel insurance for over 70s can sometimes be hard to come by as many travel insurance providers stop offering cover for those aged over 65.

However, there are still a number of providers who offer extensive cover for people aged over 70, all with fully comprehensive cover for things like medical bills, baggage and cancellations. In order to get the best deals on your over 70s travel insurance policy, you must remember to carry out a detailed comparison so you’re aware of the best offers available.

Take a look below to find out some of the best travel insurance provides for over 70s.

Travel insurance provider Maximum medical cover Cover options Maximum cancellation cover
Goodtogo £10,000,000 Baggage, pre-existing medical conditions, cancellation £5,000
Justtravelcover £15,000,000 Baggage, pre-existing medical conditions, cancellation £12,500
Explorer £10,000,000 Baggage, pre-existing medical conditions, cancellation £5,000
Saga £10,000,000 Baggage, pre-existing medical conditions, cancellation £10,000
All Clear £15,000,000 Baggage, pre-existing medical conditions, cancellation £25,000

 

Goodtogo

Goodtogo offer a no age limit policy on their travel insurance cover. They also offer cover for pre-existing medical conditions, a 14 day money back guarantee as well as three different levels of cover to choose from.

24 hour support

One of Goodtogo’s excellent selling points is that they offer a 24 hour medical advice support line for your convenience.

If you have any questions or queries about your policy, it’s remarkably easy to get in touch with a member of their expert team.

No age limits

Goodtogo also offer no age limits on their single trip or annual trip policies.

This means that whether you’ve just turned 70, or you’re celebrating your 96th birthday, you can still benefit from a travel insurance policy with Goodtogo!

Pros

  • Three levels of cover
  • No age limit

Cons

  • Cancellation cover is only £5,000

Goodtogo are an excellent option for travel insurance for over 70s as they offer many incredible benefits for you to enjoy.

Justtravelcover

Justtravelcover is a leading provider in travel insurance for over 70s.

Their policies are comprehensive, and you can choose from a wide range of policies that cover you for single trip, annual trip or cruise travel insurance.

Great cover options

When you take out travel insurance with Justtravelcover, you can rest-assured that you’ll be covered for a wide range of things.

You’ll be covered for the likes of baggage, pre-existing medical conditions and cancellation cover.

Large maximum cancellation cover

Justtravelcover offer one of the best maximum cancellation cover policies at £12,500. This means you can rest-assured that you’ll be covered well in the event of a cancellation.

Pros

  • Cover for pre-existing conditions
  • Cruise travel insurance
  • Cover for people aged over 90 year olds

Cons

  • Phone lines aren’t available 24/7

Justtravelcover are leaders in the industry when it comes to travel insurance for over 70s. You can benefit from a vast range of fully comprehensive policies.

Explorer

Explorer can offer you many great benefits when you take out a travel insurance for over 70s with them.

From excellent cover options and a maximum medical cover of £10,000,000, Explorer will ensure you get the best cover possible.

Wide range of cover available

Whether you’re looking for single trip cover with no age limit, specialist cover for cruises or more adventurous cover in terms of winter sports, Explorer can find the right policy for you.

24 hour emergency helpline

If you require assistance or medical advice while you’re on holiday, you can make the most of Explorer’s 24 hours emergency helpline.

Pros

  • £10 million medical expenses cover
  • Single trip cover for any age

Cons

  • Only £5,000 worth of cancellation cover

Explorer are a great option to go for when looking into travel insurance for over 70s. Their vast range of comprehensive policies will ensure that you’re fully covered while you’re away on holiday.

Saga

Saga are one of the leading providers in travel insurance for a plethora of cover options, and their travel insurance for people over 70 is no different.

Online discount available

Depending on when you purchase your over 70s policy from Saga, you might be able to benefit from a 30% online discount off your policy price!

No upper age limit

One of the great things about Saga’s travel insurance is that they don’t have an upper age limit for their policies, which means regardless of your age, you can take advantage of their incredible policies.

Pros

  • Up to £10 million in medical cover
  • £10,000 cancellation cover

Cons

  • While they offer cover for pre-existing conditions, not every single condition is covered

Saga are a firm travel insurance favourite amongst many people due to their excellent cover options, discounts and helpful customer service.

All Clear

All Clear travel insurance offer some of the very best cover options in the market. You can enjoy an excellent £15 million of emergency medical cover, as well as cancellation cover and baggage cover.

1300 conditions covered

One of the unique selling points of over 70s travel insurance with All Clear is that you can obtain cover for over 1300 medical conditions such as arthritis, strokes and heart conditions.

This means you can enjoy your holiday without worrying about not being covered for any medical condition you may suffer from.

£25,000 maximum cancellation cover

All Clear also have one of the best maximum cancellation covers available at £25,000. You’ll also be covered for medical expenses and you’ll even get the opportunity to add optional extras such as winter sports or golf cover.

Pros

  • 1300 conditions covered
  • No upper age limit

Cons

  • There is a discount available but it’s only 5% which isn’t as much as other providers

All Clear are one of the best options to look into when purchasing travel insurance for over 70s. Their policies can ensure that you’ll be fully covered in the event of an accident or incident while on holiday.

How to find cheaper cover for over 70s

Travel insurance for over 70s can often be more expensive than cover for younger people. This is because over 70s are deemed as more at risk when it comes to falling ill while on holiday, therefore the premiums that companies charge are often higher.

Thankfully, there are a few things you can do to try and keep the costs of your travel insurance down if you’re over 70. Take a look at the list below to find out some of the ways you can obtain more affordable travel insurance if you’re over 70.

Declare your health problems

One of the most important things to remember when taking out any kind of travel insurance policy, is that you need to ensure that you declare all your health issues to your provider.

While it could increase your premium slightly if you declare a new medical condition, it will ensure that you’re fully covered in the event of an accident or emergency while you’re on holiday.

If you fail to make your insurer aware of any condition that you suffer from, and then you become ill or require treatment as a result of your condition while on holiday, your insurance provider may not pay out.

Therefore, it’s imperative to be honest with your insurer right from the start.

Consider multi-trip policies

If you plan on travelling multiple times a year, then it can be a good idea to purchase a multi-trip policy as it could help save you money as opposed to buying multiple single trip policies throughout the year.

However, it’s important to bear in mind that multi-trip policies can sometimes have an upper age limit; whereas single trip policies seem to be more flexible.

Compare quotes

While you should be doing this anyway, it’s definitely a good idea to thoroughly compare travel insurance quotes if you’re looking for the best deal for over 70s.

There are hundreds of travel insurance providers to choose from, all with a plethora of different options for you to browse through. Make sure you take the time to thoroughly research everything you want from your travel insurance.

What does travel insurance for over 70s cover?

Travel insurance for over 70s will cover everything that a regular policy will cover, but you may find that some extra benefits are included.

You should also buy your over 70s travel insurance as soon as you’ve booked your trip so that you’re covered in the event that you need to cancel your trip or reschedule it due to a medical emergency. Even if you contract a new medical condition or illness before your trip, and you’ve already purchased travel insurance, you must still let your insurance provider know.

Take a look at the list below to see what exactly travel insurance for over 70s covers.

  • Medication – this often includes medication that you’ve lost while away on your trip. You may also be covered for the likes of any medical equipment that you may require while on holiday
  • Medical expenses – including treatment for any illnesses or injuries you may suffer from while away
  • Travel companions – this isn’t always the case when it comes to travel insurance for over 70s, but some providers may permit you to take a travel companion with you; and they’ll be covered under your policy
  • If you’re on a medical waiting list – if you’re expected to be scheduled in for a medical procedure and you need to cancel your trip as a result, you may be able to receive cover for this
  • No age limit – this isn’t always a given when it comes to travel insurance for over 70s, but some providers will apply an upper age limit. Therefore, you’ll need to look out for specific policies that cater to those aged over 70

Conclusion – travel insurance for over 70s

If you’re looking for travel insurance for over 70s, you may be overwhelmed at first as there are so many options and types of policies available. The best way to make sure you get the best possible cover is to shop around and compare as many quotes as you possibly can.

Pay attention to everything that a particular policy offers, and make sure you’re aware of everything you’ll be covered for, so you can rest-assured that you’ll be fully covered and protected while you’re away on holiday.

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