Travel Insurance for Older Travellers

Older people often find it difficult to arrange travel cover, even if they are fit and active. Some firms refuse to insure anyone over the age of 65; others charge sky-high premiums – the cost of cover can more than double when you reach 65. Elderly travelers are statistically more likely to make a claim

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Adventure Travel Insurance

Adventure travel is similar to winter sports insurance and covers the more courageous travellers who indulge in the likes of bungee jumping and white water rafting. The premiums are usually higher than for standard cover to reflect the greater risk of claims. But it’s often worth the price for the peace of mind. ClicknUpload

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Winter sports travel insurance

It’s important to check for exclusions on your travel insurance policy so you don’t get a nasty surprise when it comes to making a claim. Most firms exclude risky activities – and risky could mean common holiday pursuits such as horse riding and scuba diving. If you are planning an adventurous holiday, you can sometimes

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Family Travel Insurance

It is often cheaper to buy a family policy if you are all travelling with your children. Some insurers also offer free cover for younger children. But check out the excess terms on a family policy. Some firms charge the excess for each family member. So if a family of four had to cancel a

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Annual or single trip travel insurance?

You can buy travel insurance every time you go on holiday, or you can opt for annual multi trip travel insurance, which usually covers any number of trips within a year. If you are a regular traveller, or you are planning a long haul holiday, an annual policy can often work out cheaper. Anyone who

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Do I need worldwide cover Travel Insurance?

Most insurers cover either Europe or worldwide – and you should always check that you are insured to travel to your destination. Europe-only policies are generally cheaper than worldwide cover and often stretch the boundaries of Europe to include countries such as Egypt, Morocco and Turkey. If you are travelling to America or Canada, make

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How the excess works on a travel insurance policy?

It’s important to understand how the ‘excess’ works on your travel insurance policy, so that you don’t get caught out. The excess is the amount that the policyholder pays towards any claim. So, if you put in a claim for £500 and the policy excess is £100, the insurer would pay out £400.  But some

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The pros and cons of a European Health Insurance Card

If you are heading to Europe, you can apply for a European Health Insurance Card (EHIC), which entitles you to medical treatment in state run hospitals in the EU, plus a number of other countries including Iceland and Norway. The EHIC replaced the E111 in 2006 and can be useful in an emergency, but it

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What if I have a pre-existing medical condition?

A standard travel insurance policy is unlikely to cover any pre-existing medical conditions. In other words, if you have asthma and suffer an attack on holiday that requires medical treatment, your policy will not pay out. But you should always declare any health issues when you apply for insurance because failure to disclose any relevant

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Is travel insurance a waste of money?

A travel insurance plan can cover you for unexpected costs incurred before or during your trip so costs are less likely to come out of your own pocket. A travel insurance plan can reimburse you for the pre-paid, non-refundable portions of a trip if you need to cancel or interrupt your trip for a covered

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