What you need to know about over 60s travel insurance
According to the WHO, the number of people aged over 60 will outnumber children younger than 5 by 2020. People are getting older! And this is important for travel insurance, as it means living with medical conditions is also more likely. AllClear is committed to offering cover for those who might struggle to get a quote elsewhere. We cover: Any age. Any medical condition. Any destination. This article will explain the levels of cover available for over 60s travel insurance, so that you can get started on planning your next trip.
Key benefits you can get from AllClear cover
- 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
- No age limit on quotes
- 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 don’t have any serious pre-existing medical conditions?
You may be thinking that you don’t need specialist cover for your medical conditions. And that is understandable if you’re over 60 but don’t have any concerns about your current health. An important benefit, however, is that our cover is also there for any unforeseen medical emergencies. Approximately 4 in 5 adults will develop at least one chronic condition or illness eventually. Knowing that you will be taken care of if an unexpected emergency happens can provide extra certainty to your holiday plans. All of our policies include access to a Medical Emergency Team – 24 hours a day – 7 days a week, wherever you may be.
Frequently asked questions
Does being over 60 affect how long you can travel for?
We’re pleased to say that no matter your age, you can travel up to 92 days on a single trip basis for online quotes.
For annual multi-trip policies, you will be displayed some annual multi-trip policies where your age determines how long you can travel for each trip. You can check out the maximum trip lengths of each annual policy here: Maximum trip lengths.
Nevertheless, whatever your age you can travel up to 45 days per trip on AllClear Gold and Gold Plus annual multi-trip policies! You can even pay for an extended stay of up to 55 days during the Optional Extras section of your quote.
Do you need a 'fit to travel' note from your doctor?
To get a quote you’ll only need to have had verbal confirmation of this from the GP.
However, if you need to make a claim, you may require a letter from your GP to confirm you were fit to travel when buying your policy, and have become unfit to travel afterwards.
Is repatriation included in your cover?
Yes – always! Cover for repatriation to your Home Country also extends to any other travelling member who is listed on your policy.
Can you get cover if you're on a waiting list for treatment?
Yes, just be sure to answer that you are on a waiting list for treatment during the Medical Warranty section of your quote. Also, if you would like to be covered in relation to being on a waiting list, such as cancelling your holiday, you will need to add on Waiting List Cover as an Optional Extra (after you have selected ‘Buy now’ on the policy you want).
Can someone else join your policy if they're under 60?
Yes they can. We not only have no upper age limit, but we also have no lower age limit. Being on the same policy as a friend or family member also has the great benefit of covering them for cancelling or cutting short their trip if anything happens to you – and vice versa.
3 easy steps to multiple quotes
Tips for over 60s travel insurance
If you're over 60 and living with medical conditions, consider not only how much it costs to travel to a country - but also how expensive the countries healthcare system is. For example, getting travel insurance for a single trip to Italy is cheaper than for Spain. Even though you can use your EHIC card in both countries, private healthcare is much more common in Spain, which means the cost of your medical bill is likely to be higher.
Sort out your finances! Decide whether you need to exchange your currency before you travel, and understand the rates of your destination. Will you credit or debit cards be accepted? If so, make sure you tell your bank you'll be on holiday so they don't freeze your account(s).