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Age UK Travel Insurance Review
I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Age UK Travel Insurance plus compare prices and cover on the same site.
And you'd be right! Because that's exactly what we found.
Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
Our review of Age UK will highlight:
- Who are Age UK and who underwrites their policies?
- How their travel policies have been ranked using our unique star rating formula?
- 16 key points you need to know about their travel policy wording.
- Find out how Age UK rate on our "User Friendly" Gauge. NEW FEATURE
- Pro's and Con's you should consider.
- What Cover do Age UK policies offer?
- Sample Quotes (if you don't want to perform a full comparison).
- Customer Reviews
...and what makes us unique?
Who are Age UK and who underwrites their policies?
Age UK states. 'Age UK 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 UK policy is aimed at the over 50 market and has no age limit. As you get older medical conditions, become more common and Age UK 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 UK policy has good levels of cover and we have awarded it a four star rating. Unlike many Insurers, Age UK 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.
Age UK Travel Insurance Policies are Underwritten By Ageas Insurance
How Age UK Travel Insurance's Policies have been ranked using our star rating formula?
Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Age UK Travel Insurance.
Single Trip Policy Ratings
We have reviewed 1 Single Trip Policies from Age UK Travel Insurance, they are Standard, we have rated these as follows:-
Thats Insurance Rating for Single Trip Standard:
Age UK Travel Insurance Review
Backpacker Policy Ratings
Thats Insurance found no policies available for this section.
Backpacker Travel Insurance Guide here Age UK Travel Insurance Review
Annual Policy Ratings
We have reviewed 1 Annual Policies from Age UK Travel Insurance, they are Standard, we have rated these as follows:-
Thats Insurance Rating for Annual Standard:
Age UK Travel Insurance Review
Longstay Policy Ratings
Thats Insurance found no policies available for this section.
Age UK Travel 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
16 Key Points you need to know about Age UK Travel Insurance's travel 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 does the policy offer 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?
Policy 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
Do I need original receipts for lost baggage if I need to claim on the policy?
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 for a natural disaster or catastrophe when I am on 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.
That's Insurance have reviewed Age UK 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Age UK rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.
Policy
(plain english, easy to follow & understand)
Policy Guage Score Loading
Website
(user friendly, easy to navigate and find help)
Website Guage Score Loading
Quote System
(speed, ease of use, flow and display of cover)
Quotes Guage Score Loading
We've listed below cover levels for policies offered by offered by Age UK Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.
Policy Name 
-
PolicyName & Policy Type
Primary Cover
-
Policy Excess
-
Medical Expenses
-
Cancellation
-
Personal Accident
-
Baggage
-
Single Article Limit
-
Valuables Limit
-
Personal Money
-
Personal Liability
-
Legal Expenses
-
Scheduled Airline Failure
Secondary Cover
-
Hospital Benefit
-
Emergency Dental Treatment
-
Burial or Cremation
-
Baggage Delay
-
Delayed Departure
-
Missed Departure
-
Kennel/Cattery
-
Hijack/Kidnap
-
Financial Failure
-
Natural Disaster
-
Withdrawal of Services
-
Concierge Cover
-
Travel Disruption
-
Mugging
Optional Cover
-
Natural Disaster
-
Concierge Cover
-
Gadget Cover
-
Travel Disruption
-
Golf
-
Wintersports
-
Business
-
Wedding
-
Cruise
-
Car and Home Excess
-
Search and Rescue
-
Mugging
Listed below are some Sample Quotes offered by Age UK Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Single Trip
Europe
Individual
Age: 60 - 64
Trip Days: 14
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
Worldwide (Excluding USA & Canada)
Individual
Age: 40 - 49
Trip Days: 21
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
Worldwide
Couple
Age: 50 - 59
Trip Days: 21
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
Europe
Individual
Age: 50 - 59
Trip Days: 365
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
Family
Age: 18 - 29
Trip Days: 365
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)
Couple
Age: 18 - 29
Trip Days: 365
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
How to Buy Travel Insurance from Age UK Travel Insurance
Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers. Current Discount Codes for Age UK - No Current Discount Codes
Customer Reviews of Age UK Travel Insurance
No Customer Reviews Found
We hope that you have found this Age UK Travel Insurance Review helpful. If you have experience of Age UK Travel Insurance, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.
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