Age Co Travel Insurance Review

Age Co Travel Insurance Review

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Although we have now officially left the European Union and agreed on a new UK Global Health Insurance card for travel to Europe, this is definitely not a replacement for travel insurance. It has never been more important, to choose the right policy because, as the current Coronavirus Pandemic has highlighted, the wrong choice can have disastrous financial and health consequences, if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of Age Co Travel Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Age Co Travel Insurance

Review of Ago Co (Formerly Age UK) Travel Insurance updated 17th March 2019 by Denise Field.

Age Co (formerly Age UK) states. 'Age Co is here to help more people love later life'. They are involved in most things that assist older people in the UK and one of those things is travel insurance.

The travel insurance is underwritten and administered by Ageas Insurance Limited, who  are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In April 2013, Ageas acquired Groupama Insurance Company Limited.

The Age Co policy is aimed at the over 50 market and has no age limit.  As you get older medical conditions, become more common and Age Co cater for consumers with medical issues. Pre existing conditions can be underwritten online at the point of sale, making the process quick and easy to use. Of course they are also on hand to discuss any issues over the phone.

The Age Go policy has good levels of cover and we have awarded it a four star rating.  Unlike many Insurers, Age Go do not charge for administration changes to the policy. Where applicable children are insured free of charge and cover for financial failure of the travel or accommodation provider is automatically included.

How to Buy Travel Insurance from Age Co Travel Insurance

Click on the website link to go directly to the insurance providers website. Visit Age Co Travel Insurance's Website and Get a Quotation direct

How Age Co Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Age Co Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Age Co Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Single Trip Standard:

Age Co Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Age Co Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from Age Co Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Annual Standard:

Age Co Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Age Co Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about Age Co Travel Insurance's policy wording

1. What is the age/classification of a child on the policy?

Children are classed as those under the age of 18, living at home with you.

2. What are the policy age limits?

At time of purchase:-

No age limits for Single Trip Policies.

No age limits for Annual Multi Trip Policies.

3. What are the policy Trip Duration limits?

Trip Duration Limits for Single Trip are 150 Days. For Annual Multi Trip this is either 31 or 45 days depending on the premium paid.

4. What are the options for Winter Sports cover?

You can add Winter Sports cover for the duration of your trip with the payment of an additional premium.  If you purchase an Annual Policy, you are covered for up to 17 days Winter Sports.

The Age UK winter sports section covers you for Skiing, Snowboarding, cross country skiing, heli skiing, mono skiing, curling, ice skating, tobogganing, snowmobiling, downhill skiing, mogul skiing. Cover is included for off-piste skiing/snowboarding, as long as you are under the suprevision of a qualified guide or instructor.

5. What is classed as a family and how many people can be quoted for?

Group is up to 9 persons

Family means up to two adults living at the same address who are married have entered into a civil partnership or are living together as if they are married, with any number of children under 18 normally living with them and travelling with them.  This includes Grandparents who are travelling with any number of their grandchildren under the age of 18

6. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC Mandatory when visiting the EU.  If travelling to Australia you must enrol with Medicare on arrival.  Any costs that can be recovered under these schemes will not be claimable.

7. What is covered under Sports and Activities on the policy?

There are approximately 40 activities covered as standard under this policy, some activities have conditions attached.  Additionally, you will be not be covered for Personal Liability caused directly or indirectly by you owning or using any aircraft, motorized vehicle, boat or any form of motorized leisure equipment.

It is important that you check the list of activities excluded, before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8. What are the policy Alcohol Exclusion terms?

The Ago Co policy has a debatable alcohol exclusion which states “we will not cover the effect of your alcohol, solvent or drug dependency or long term abuse. You being under the influence of alcohol, solvents or drugs, or doing anything as a result of using these substances (this excludes drugs prescribed by a GP, unless they are for the treatment of drug addiction.)”

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

You are covered for End Supplier Failure up to £1500.  End Supplier Failure covers you in the event of failure of the following Scheduled airlines, Hotels, Car ferries, Overseas villas & cottages in the UK, Railway journeys including the Eurostar, Coach operators, Car hire company, Caravan sites/campsites/mobile homes, Camper rental, Safaris, Excursion providers, Eurotunnel and Theme parks such as Disneyland Paris.

This covers for irrecoverable costs that are the result of supplier insolvency.

 

10. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Pre-existing medical conditions are not covered by this Insurance Provider, unless you have fully declared these via the medical screening process.  You can do all of this online and its very important that you declare every condition and this is accepted by the insurer.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit. You should also make sure that you have prescriptions for any medication you are taking abroad.

11. What are the policy rules on travelling when pregnant?

The Policy does not detail conditions relating to pregnancy, we would therefore suggest if you are travelling while pregnant, that you contact the Insurance Provider for clarification.

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual Labour is excluded under this policy.  If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

Receipts will be required to validate your claim.  Therefore, it would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14. What does the policy cover in the event of war, terrorism or cyber attack?

Claims relating to cyber events are excluded. Terrorism is also excluded except for losses under emergency medical expenses.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

Covered up to £500 for each insured person.

16. Do I have to be a UK resident to be covered under this policy?

You and all other insured persons must be a resident of the United Kingdom, and have resided in the UK for at least the last six months.

17. What are the options for Gadget Cover?

The Age Co policy does not cover gadgets, such as mobile phones, smart phones or mobile electronic personal communication devices of any kind. There is no option to include these items

18. What are the options for Cruise Cover?

The Age Co policy does not cover you if you are taking a cruise and there is no option to include them.

19. Are they on Comparison sites such as Confused.com or CompareTheMarket.com?

Age Co are not on any comparison websites, preferring to deal with customers direct via their own website.

20. What do reviews from customers say?

For the most part customers seem to enjoy the service and find the premiums competitive. Feefo customer reviews have rated them 4.7 out of 5 with over 500 reviewers.

21. What about the Policy Wording?

The Age Co travel insurance policy is 64 pages long, but is attractively laid out with some nice images and headings to make what can be a tedious document, more enjoyable. The table of benefits is clear and the index assists in navigating around.

The terminology appears to be customer friendly and I was able to understand the terms and conditions.

22. Overall Summary

This is a good policy, we were only able to award it four stars, because of the alcohol wording, and two of the secondary benefits were lower than market average.

The quotation process is a bit laborious, but customers are clearly happy with the service overall and the premiums appear competitive, especially for those over the age of 50 and with medical conditions, which this is aimed at.

It's a shame there is no cover for mobile phones, because its something that even the older generation use.

Age Co Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on age-uk-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Age Co compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Age Co Policies

We've highlighted Pro's and Cons for Age Co , click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Age Co Travel Insurance.

  • No age limit for single trip or annual travel policies
  • Free Pre Travel Help Line
  • Free cover for Children under the age of 18
  • Pre existing medical conditions can be underwritten online during the quotation process
  • End Supplier failure covered as standard
  • Debatable Alcohol exclusion wording

What Cover do Age Co policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Standard

    Annual

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    5,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    600

    600

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,000

    1,000

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    300

    300

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,000

    1,000

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    300

    300

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    3,500

    3,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    2,500

    2,500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    500

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    250

    250

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    300

    300

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

Age UK Travel Insurance for the over 60 70 and 80

Sample Quotes from Age Co Travel Insurance.

Listed below are some Sample Quotes offered by Age Co Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 21

Age Co  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Couple

Age: 65 - 70

Trip Days: 14

Age Co  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

Age Co  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 71 - 75

Trip Days: 365

Age Co  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Age UK Travel Insurance for the over 60 70 and 80