Instant Online Insurance

                                                                                           
 

Instant Online Insurance - Senior Travel Insurance

Firstly, if you're one of the thousands that have discovered that it's a lot more fun spending the winter in a peaceful, sunny Spanish resort rather than suffering a dreary winter back here in Britain and you're looking for travel insurance for a trip that will last several months then you need to click on the following link for long stay insurance.

Many travel insurers will not provide cover for people aged over 65 - and premium costs will often rise quite substantially once you pass age 50. The reason for this is the insurance underwriter's fear of punitive medical claims - which can obviously increase as you become older.

There are over 9 million people in the UK aged 65 and over who are travelling more than ever. The elderly are getting younger and living longer and they have found that in these days of cheap air travel it's no more expensive to spend a week in the South of France than it is to spend it in England. There are lots of over 75s travelling too - and this group is even more heavily penalised by major travel insurance companies.

With people living longer and with everyone enjoying healthier lifestyles we'd hope that travel insurance companies would relax their age limits on their policies. Up to a point we can see this happening, insurance companies are now more willing to offer travel insurance to pensioners especially for single trips to Europe. Any trip that involves travel to the USA or Canada is still carrying a hefty premium, simply because of the astonishing costs of medical treatment in North America.

Most frequent travellers find that just a couple of trips a year warrants the price of an annual multi-trip policy but as you get older you'll find that it's probably going to be cheaper to buy a single trip policy each time you go abroad. We'd certainly advise that you check costs of the different policies carefully because unless you're making several trips a year you will probably be better off buying travel insurance for each one.

The internet now offers the best source of travel insurance for those aged over 50 - rather than the high street. Please be very careful when selecting a policy that it is available for all members of your party. Double check their ages and be very careful to ensure that you're aware af all pre-existing medical conditions of each one. You must remember that an insurance company can invalidate a policy if they discover that you failed to provide details of an existing medical condition. Most of them will accept many of these ailments but they must be informed. This is such an important point when considering senior travel insurance.

You will find below a table containing companies that offer travel insurance policies to the over 60's. Every attempt is made to keep the information up to date but it's imperative that you carefully check the details on each insurer's website before committing to buy a seniors holiday insurance policy from them. Click on the insurer name in the table below to go to their website and don't be afraid to get quotes from all of the companies, the process is very quick and easy.

Insurer
Age Limit for single trip
(Exc USA / Canada)
Age Limit for single trip
(Inc USA / Canada)
Age Limit for Annual
Multi-Trip
Virgin Money
No Upper Limit
No Upper Limit
74
M & S
No Upper Limit
80
70
flexi cover
85 
85 
85
Insure For All
84
84
74 (Europe Only)
Churchill
99 (45 day max)
99 (45 day max)
99 (Europe)
64 (World)
Staysure
80 (100 days max)
80 (100 day max)
80 (100 day max)