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Travel Insurance Uncovered


An attempt to explain why travel insurance quotes can vary so much

Have you ever wondered why travel insurance quotes can vary so widely? For instance two people going on the same one week break can pay far different amounts!

With this in mind we have been looking into the variables that determine a travel insurance quote.

You (and others that might be on the policy)

Travel insurance normally comes with the following traveller types; individual (that's a one person), couple, family or single parent family.

Your Age

Your age is going to have a huge impact on the quotes that you will receive. Unlike car insurance where the young are penalised, it's the older people that bear the brunt of expensive travel insurance premiums.

Between the ages of 18 and 40 your travel insurance premium will stay roughly the same. Once you are over 40 then things change. Once you are looking for travel insurance over 80, you really will notice the difference.

Your Destination(s)

You are going pay considerably more if you travel to countries like the United States compared to European countries. This is mainly due to the extortionate costs of healthcare in the U.S. and Canada. Even within Europe you may end up paying more if you are visiting certain countries. For instance some insurers are now charging extra for Spain.

Your Trip Duration

Obviously the longer you are going to be away the higher your premium. if for instance you are going away for a long time, say a one year trip, then you may wish to take a policy with less benefits to offset the higher cost.

Your Trip Type

The main two types of trip are single or multiple (sometime called annual multi trips). Obviously if you plan to go away a number of times in a year then you will be better off paying extra for multi-trip cover.

Your Medical Condition

Along with age, your medical condition will have a huge impact on your premium, depending on what you declare.

Your Trip Purpose or Activity

If you are going skiing or on a cruise then this will have big impact on the policy. There are specialist insurers who provide tailored cover for activities. Very often a normal single or multi-trip policy with cover activities such as hiking, surfing etc but you must always check to see what's covered. For instance your policy may cover hiking, but in the small print it may say 'up to 2000m above sea level only'. This is not going to be much help if you need treatment high up in the Himalayas.

Here are some examples of specialist travel insurance....

Cruise travel insurance
Winter sports travel
Scuba diving insurance

 

Provider
Features
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alpha insurance over 85s
Alpha are a new entry to the travel insurance arena for older travellers heading to Europe and beyond. Has a range of policies to suit a wide range of ages.
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 Travel Insurance for over 80 from Saga
Saga covers anyone over 60 to any age!Cover many pre-existing medical conditions, have no upper age limit and also provide many features that you might not find elsewhere.
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goodtogo insurance over 85s
Good to go offer appropriate cover for people travelling with all sorts of medical conditions from asthma through to heart disease for any age.
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travel insurance for medical over 75s Travel insurance for medical will provide you cover up to 99 and will cover your holidays in europe and worldwide.
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explorer cover Explorer will offer travel Insurance and holiday Insurance for all trips overseas up to age of 85
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goodtogo insurance over 85s
Columbus is one of the largest providers of travel insurance and will cover up to the age of 85. Affordable, no hassle travel insurance!
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just travel over 85s Just travel is flexible travel insurance covering a range of destinations, activities and will cover any age.
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Searching out holiday cover for older people in the United Kingdom to Europe and Worldwide

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