With the Brexit deadline almost upon us and the current coronavirus pandemic, choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.
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.
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.
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
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.
We have reviewed 1 Single Trip Policies from Age Co Travel Insurance. They are - Standard. We have rated these as follows:-
Thats Insurance Rating for Single Trip Standard:
Thats Insurance found no policies available for this section.
We have reviewed 1 Annual Policies from Age Co Travel Insurance. They are - Standard. We have rated these as follows:-
Thats Insurance Rating for Annual Standard:
Thats Insurance found no policies available for this section.
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.
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.
(layout, readability, terminology)
Awaiting user friendly score
(layout, navigation, access to information)
Awaiting user friendly score
(clear quotes, buying process, customer service)
Awaiting user friendly score
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.
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.
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: 65 - 70
Trip Days: 14
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: 30 - 39
Trip Days: 21
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: 30 - 39
Trip Days: 365
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: 76 +
Trip Days: 365
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
