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Why do you need over 70’s travel insurance?
At AllClear we understand how exciting and enriching it can be to tick off your travel wishlist can be – we’re here to help you do it with our travel insurance for over 70’s.
Did you know that over 22% of all travellers need to seek medical attention when abroad? In the USA, for example, an air ambulance rescue could easily cost between £80,000 to £100,000. That’s why a comprehensive travel insurance policy is a must on your pre-travel checklist.
It’s vital that you declare any pre-existing conditions when getting your travel insurance quote. Otherwise, you won’t be properly covered in the event of a claim relating to your pre-existing conditions.
AllClear makes sure that all parts of your trip are protected. We provide cover for lost luggage, delayed flights, and – most importantly – medical emergencies.
The right travel insurance policy from AllClear delivers all the confidence you need to set off on your travels, knowing that you’re covered for the unexpected. Make AllClear your travel companion and travel with peace of mind.
What our over 70s insurance policy covers?
Here are the main benefits:*
- All medical conditions considered
- 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
*Providers will vary in their levels of cover – so please check the policy wording before you buy a policy.
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Travel tips for over 70s
Whether you want to relax on the beach, have an adventure, or a little bit of both, we’ve got the cover for you. Our AllClear Gold policy can include jet skiing, horse riding, scuba diving (up to 30 meters deep), safari and gorilla trekking, cycling, and if you fancy it, even camel riding!
If you're taking medications, then speak to your GP before your journey. Ask about any adjustments you might need to make in different timezones and ensure that you have enough medication to cover your whole journey, with some to spare in case of a delay. Travelling with special requirements isn't always easy, but you might be surprised just how accommodating others can be when warned.
Mention your needs ahead of time to your travel agent, hotel, airport staff, and anyone else when making bookings and travelling - you might be surprised by helpful people can be.
Cancellation cover starts as soon as your policy, so booking your travel insurance early can really pay off. If you sort this out as quickly as possible then you can tick another thing off the pre-holiday checklist.
Familiarise yourself with your travel insurance documents before 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.
Have you 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.
You may be interested in our specialist cruise cover. Policies from our AllClear Cruise website offer cover with specific cruise benefits. Plus, you can increase your cancellation cover up to £15,000 per person. An annual multi-trip policy can be particularly useful for you even if you have an expensive holiday apart from your cruise; as travel via plane is also covered.
Frequently asked questions about over 70s travel insurance
Is there anything you can't be covered for when you're over 70?
An Optional Extra which does have an age limit is Winter Sports, which is available up to the age of 76. However, we offer a diverse range of other Optional Extras which have no age limits, including: Waiting list, Golf, Travelling companion, Travel disruption, and Extended stay.
For any other activities not listed in your policy booklet, you can contact our Customer Care Team on Live Chat or on 01708 339029.
What counts as a pre-existing medical condition?
There are some medical conditions that you always need to declare:
- Any respiratory conditions, heart conditions, any neurological conditions (including stroke and epilepsy), cancer, blood circulatory conditions, any diabetic conditions, any renal, liver or kidney conditions, any psychiatric or psychological conditions (including anxiety, stress and depression).
If your medical condition is not in the above categories, you only need to tell us about anything for which you have received surgery, in or out-patient treatment, tests or investigations for in a hospital, clinic or GP surgery within the last 24 months. Or any medical condition for which you have been prescribed medication in the last 5 years.
For more information, read our medical warranty help article.
Do you have to tell us about medication?
You do not need to declare the medication you are taking initially. Instead, you will be declaring the medical conditions that you have. The medical screening questions may then ask you about your medication, but you will not need to know the names of your medication.
How long can you travel for?
If you buy a single trip policy online you can travel up to 92 days.
The maximum trip length for annual cover does change between policies, however, you can view the trip limits of each policy here: Annual multi-trip policies.
As an example, you can travel up to 45 days per trip on AllClear Gold and Gold Plus annual multi-trip cover, no matter your age. In addition, a trip extension of up to 55 days can be added to your policy as an Optional Extra.
Does the over 70’s travel insurance cover sports and other activities?
We cover a whole range of activities with no additional cost (check your policy booklet), but you can also add on specific Golf and Winter Sports cover for an additional cost.
Should you get single trip or annual multi-trip cover?
Single trip travel insurance is a policy that covers you for a one-off trip on selected dates. It has the great benefit of allowing you to travel for longer: up to 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 for up to 55 days!
What if you are on a waiting list for treatment?
We’re pleased to say you can include Waiting list cover on AllClear Gold and Gold Plus policies.
Does the over 70’s travel insurance cover damages from natural disasters?
To be covered for natural disasters, such as a hurricane or earthquake, you can add our Optional Extra of Travel Disruption.
How often can you travel with over 70's annual travel insurance?
For AllClear Gold and Gold Plus 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 may be restrictions on how many times you can travel in 12 months for other providers on our quote panel. You can also check out the maximum trip duration for each holiday per provider here.
How is the cost of over 70’s travel insurance calculated?
A number of factors are taken into consideration when calculating premiums. These include: The destination to which you are traveling (for example, Spain, the United States, and Canada are among the more expensive countries in which to receive medical treatment); the duration of your trip; the type and severity of your medical conditions and your age and the level of benefits being offered to you.
Also, quote premiums vary by the provider because they can offer different levels of cover, excesses, and upgrades.
How to 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, and the date when you were declared unfit to travel.
What if you buy an over 70’s travel policy then your medical conditions change?
If you have bought an over 70’s travel policy and you need to amend a detail of 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 of any changes before you travel to ensure your policy is the most up to date and you’re still covered.
