Travel Insurance Plans for Seniors In the UK (Here’s The List)
As we age, travelling can become a bit more complicated, and having the right travel insurance is crucial. For seniors in the UK, there are several travel insurance options that cater specifically to their needs, offering comprehensive coverage for medical emergencies, trip cancellations, and other unforeseen events. In this article, we’ll explore the 10 best senior travel insurance plans available in 2024.
Why Do Seniors Need Specialised Travel Insurance?
- Medical Coverage: Seniors are more likely to need medical assistance while travelling. Specialised plans offer comprehensive medical coverage, including emergency medical evacuations and repatriation.
- Coverage for Pre-Existing Conditions: Many senior travel insurance plans provide coverage for pre-existing medical conditions, which is crucial for older travellers.
- Flexible Trip Cancellation: Plans for seniors often include flexible cancellation policies that allow for refunds due to unforeseen circumstances like illness or family emergencies.
- Peace of Mind: Knowing you’re covered for potential risks allows for a more relaxed and enjoyable travel experience.
Top 10 Senior Travel Insurance Plans in the UK (2024)
- Aviva Travel Insurance
- Location: London, SW1A 1AA
- Price Range: £75 – £150
- Advantages: Aviva offers comprehensive coverage, including emergency medical expenses, trip cancellations, and lost luggage. Their policy also covers pre-existing medical conditions with no upper age limit, making it ideal for seniors with ongoing health concerns. Moreover, Aviva’s 24/7 helpline ensures support is always available, no matter where you are in the world.
- Saga Travel Insurance
- Location: Folkestone, CT20 3SE
- Price Range: £85 – £160
- Advantages: Specifically designed for those over 50, Saga’s travel insurance provides extensive coverage for medical expenses, personal liability, and trip interruptions. The policy includes generous limits for emergency repatriation, and they offer discounts for couples and multi-trip policies. Their service is tailored to meet the needs of senior travellers, ensuring complete peace of mind.
- AllClear Travel Insurance
- Location: Romford, RM1 3PJ
- Price Range: £90 – £180
- Advantages: AllClear is known for its no age limit policy and covers a wide range of pre-existing medical conditions. They offer single-trip and annual multi-trip plans, both with a straightforward claims process. AllClear’s flexibility in policy terms makes it a popular choice for seniors who travel frequently or have unique health needs.
- Staysure Travel Insurance
- Location: Northampton, NN1 5BE
- Price Range: £80 – £170
- Advantages: Staysure is one of the most well-known travel insurance providers for seniors in the UK. They offer a range of plans, including comprehensive cover for medical emergencies, cancellation, and baggage loss. They also cover cruises, which is a great plus for senior travellers, and provide discounts for online applications and loyalty schemes.
- Flexicover Travel Insurance
- Location: London, EC3V 0BG
- Price Range: £70 – £140
- Advantages: Flexicover offers a variety of plans suitable for seniors, including those with pre-existing medical conditions. They provide a user-friendly online portal for easy policy management and a dedicated customer service team. Their affordability and extensive coverage options make Flexicover an attractive choice for budget-conscious senior travellers.
- InsureandGo Travel Insurance
- Location: Southend-on-Sea, SS1 2JY
- Price Range: £65 – £130
- Advantages: InsureandGo provides a range of plans that cater to seniors, including those who enjoy adventurous activities. They offer no age limit on single-trip policies, which includes cover for emergency medical expenses, trip cancellations, and personal belongings. Their quick and easy claims process is highly rated by customers.
- Columbus Direct Travel Insurance
- Location: London, EC1N 8SJ
- Price Range: £60 – £125
- Advantages: Columbus Direct provides flexible travel insurance plans for seniors, with coverage for emergency medical care, trip cancellations, and loss or damage to baggage. They also offer a range of optional add-ons, such as cover for winter sports and golf. Their competitive pricing and straightforward policy terms make them a popular choice among senior travellers.
- AXA Travel Insurance
- Location: London, W1B 5HA
- Price Range: £85 – £175
- Advantages: AXA offers comprehensive travel insurance policies that include cover for pre-existing medical conditions, trip cancellations, and delays. They also provide emergency medical assistance, including repatriation, if needed. AXA’s policies are known for their flexibility, allowing seniors to customise their coverage according to their specific needs.
- LV= Travel Insurance
- Location: Bournemouth, BH1 2NF
- Price Range: £70 – £150
- Advantages: LV= Travel Insurance provides extensive coverage for seniors, including medical emergencies, trip cancellations, and loss or damage to personal items. They offer multi-trip policies that are great value for frequent travellers. LV= also has an easy-to-use online portal and a reputation for excellent customer service.
- AIG Travel Insurance
- Location: Croydon, CR0 2LX
- Price Range: £95 – £200
- Advantages: AIG offers robust travel insurance policies for seniors, covering medical emergencies, trip cancellations, and personal belongings. They also provide unique benefits such as 24-hour global assistance and concierge services, which can be very helpful for seniors travelling abroad. AIG’s policies are highly rated for their comprehensive nature and reliability.
Price Comparison Table with Affordability Score
| Insurance Provider | Price Range (£) | Affordability Score (1-5) |
|---|---|---|
| Aviva | 75 – 150 | 4.5 |
| Saga | 85 – 160 | 4.2 |
| AllClear | 90 – 180 | 3.8 |
| Staysure | 80 – 170 | 4.1 |
| Flexicover | 70 – 140 | 4.7 |
| InsureandGo | 65 – 130 | 4.8 |
| Columbus Direct | 60 – 125 | 5.0 |
| AXA | 85 – 175 | 3.9 |
| LV= | 70 – 150 | 4.3 |
| AIG | 95 – 200 | 3.6 |
Frequently Asked Questions (FAQs)
Q: Why is travel insurance important for seniors?
A: Travel insurance is crucial for seniors because it covers unexpected medical emergencies, trip cancellations, and other travel disruptions. As we age, health issues may arise, and having a policy that provides adequate coverage ensures peace of mind during the trip.
Q: Can I get travel insurance if I have a pre-existing medical condition?
A: Yes, many travel insurance providers, like Aviva, AllClear, and AXA, offer policies that cover pre-existing medical conditions. However, it’s essential to declare these conditions when purchasing the policy to ensure they are covered.
Q: Are there any age limits for senior travel insurance plans?
A: Some providers, such as AllClear and InsureandGo, have no age limit on their policies. Others may have specific age restrictions, so it’s essential to check with the provider before purchasing.
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