There is little problem in getting good deals on travel insurance if you are under 65 years old, but above that magic age it can get a bit more tricky with premiums often twice as much, and above 85 can be really quite difficult.
I won’t be suggesting any particular travel insurance companies. I find it useful to check with Which? as to which companies are offering the best cover and rates, then check quotes from a few companies. They update their information every 6 months.
A few tips:
- If two (or more) of you are travelling, then it is often cheaper to get joint cover.
- If you are making more than two or three trips a year – hopefully you will be – then you will probably get a better deal with a multi-trip policy, either for Europe or the whole World (with or without the USA and Canada). The policies often also cover the UK.
- Do make certain to declare any pre-existing medical condition, otherwise your cover may be invalid. You may find that taking common medications, such as blood pressure tablets, will not affect your premium.
- If you are travelling within the European Economic Area and Switzerland, then make certain to obtain your European Health Insurance Card (EHIC). It doesn’t replace travel insurance, but it can help. Apply free of charge on the NHS website.
See also my article: Who Needs to Bother with Travel Insurance!