Why Do You Need over 65’s Travel Insurance?
An over 65’s travel insurance policy helps you enjoy travelling with added peace of mind. Take the time to explore a new place or return to a well-known favourite, with the right cover from AllClear. Maybe you’ve retired or are hoping to retire soon? You might find yourself with more time to do the things you love. Retirement is the perfect time to catch up with loved ones, find new hobbies, most importantly, travel!
So How Do You Find the Right over 65’s Policy?
No packing list should be complete without a comprehensive travel insurance policy. It’s a little like packing a spare pair of shoes; you might not have to use them but they’re there just in case you need them.
That way you’ll be covered for lost luggage, delayed flights, and – of course – medical emergencies. If there’s an issue with your holiday, we’ll help you to sort it out.
The right over 65’s travel insurance policy will give you the freedom and confidence to travel wherever and whenever you want. Join over 3 million holidaymakers and make AllClear your travel companion for travel with peace of mind.
Why Choose AllClear? the Key Benefits of Cover
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- All ages. All medical conditions. All destinations.
Do You Have to Declare All of Your Pre-Existing Medical Conditions?
Did you know a UK holidaymaker needs emergency medical treatment abroad every 3 minutes?
Irrespective of age, it’s vital that you declare all your pre-existing conditions when getting your quote, otherwise your policy may be invalid in the event of a claim.
You can get cover for all of your medical conditions through our simple 3 step medical screening process via our website or by speaking to one of our trained professionals over the phone.
What’s Else Can We Offer?
24/7 access to an Emergency Medical Assistance Team, no matter where you are, and medical repatriation where necessary to your Home Country
Cover for travel delays and other costs should you need to make alternative arrangements, in the event that any booked transport is heavily delayed or cancelled
Cover for baggage and possessions including your money, passports and travel documents in case they are lost, damaged or stolen while you are traveling. We can also cover more expensive gadgets (up to 7) such as mobile phones and tablets with a special add-on that provides £3,000 of cover
Airline or end supplier failure cover as standard on AllClear Gold and Gold Plus policies, which make sure you don’t lose money if your travel company goes bust and your holiday isn’t protected by the ABTA or ATOL schemes
Cover for a variety activities free of charge on AllClear Gold and Gold Plus - including jet skiing, horse riding, scuba diving (up to 30 meters deep), safari and gorilla trekking, cycling, and, if you fancy it, even camel riding!
The adventures don’t stop when you’re 65 and over – tailor your policy to suit your needs!
Our optional extras are there to enhance your cover for a variety of areas and activities. They range from Winter Sports cover to Golf Cover. Upgrade your cover to ensure you have the level and quality you require.
Travel Tips for over 65’s
Cancellation cover starts as soon as your policy, so booking your travel insurance early can really pay off.
Sorting this out as soon as possible means that yet another thing is ticked off the pre-holiday checklist.
Familiarise yourself with your travel insurance documents prior to travelling. A handy tip is highlighting all emergency numbers and contacts in case you need to use them or even saving them to your phone for ease of access.
Lost your documents? Not to worry – speak to our friendly Customer Care Team via Live Chat or give us a call on 0800 640 4811, and we’ll get you a copy of your documents in no time.
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Frequently Asked Questions About Travel Insurance for over 65’s
How is your premium determined?
Your destination, trip duration, age and any pre-existing medical conditions you may have are the main factors used to calculate the cost of your premium. For our AllClear policies, we are continually reviewing and analysing all of our claims data to ensure that the premiums we offer are fair and accurate.
What if you have an undiagnosed condition?
We need to know the name of your medical condition, so if you have an undiagnosed condition, you will need to wait until your GP or consultant has provided you with a diagnosis. We would suggest you refer to your GP or healthcare provider who may be able to help if this is the case. Once you have a diagnosis, we’ll be able to provide you with a quote.
What is single trip travel insurance for over 65's?
If you know you’ll only be travelling once within the year then a single trip policy may well work out to be lower cost. Cover can be arranged for the exact number of days you’ll be travelling and you can choose to add or remove cancellation cover and baggage cover.
You can buy your policy up to 12 months before you’re due to travel with your cancellation cover starting from the day you purchase.
What is annual multi-trip travel insurance for over 65's?
There a certain cover options which could reduce your premium without compromising your cover – choosing annual multi-trip travel insurance is one of them.
For example, if you travel two or more times a year, an annual multi-trip travel insurance for over 65’s is likely to cost less than 2 or three single trip policies.
The maximum trip length varies between providers but will either be 31 days or 45 days. Some insurance providers offer extended trip lengths of up to 60 days – subject to an additional premium.
Annual multi-trip policies can be purchased up to 31 days in advance. However, please note any claims made before your chosen start date will not be covered.
How often can you travel with over 65's annual travel insurance?
With our over 65’s annual multi-trip policies, you can take any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of the cover.
However, there are restrictions on the length of time you can be away for any one trip. You can see the maximum trip duration for each of our providers here.
Where can you travel to with AllClear’s over 65's travel insurance?
We cover all destinations. For a single trip policy, simply enter the name of the country or countries you will be visiting. For an annual multi-trip policy, you have three regions to choose from: Europe, Worldwide excluding North America, and Worldwide including North America.
How can you make sure you are ‘Fit to travel’?
You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit to travel at the time of getting a quote or purchasing a policy.
If you need to make a claim, you may require a letter from your doctor confirming that you were fit to travel at the time you bought your policy.
What if you purchase an over 65's travel policy then your medical conditions change?
If you’ve bought an over 65’s travel policy and you need to amend something to do with your declared medical conditions then simply get in touch at the earliest possible opportunity and we will update your details.
It’s important to let us know any changes before you travel to ensure your policy is the most up to date and you’re still covered.
Over 65's travel insurance and the EHIC
With the European Health Insurance Card (EHIC) you will receive treatment in any of the EU’s 28 states as a local citizen. However, this is based on treatments received in public, not private hospitals.
The EHIC isn’t a substitute for travel insurance. It doesn’t cover you for: