Age Co Travel Insurance Review

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

At time of purchase:-

No age limits for Single Trip Policies.

No age limits for Annual Multi Trip Policies.

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.

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.

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

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.

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.

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.)”

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.

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.

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.

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.

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.

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

Covered up to £500 for each insured person.

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.

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

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

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

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.

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.

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.