As we get older, travel insurance becomes more important to anticipate the unexpected. But should you invest in annual travel insurance for over 80s, or stick with single trip insurance?
Below, we explore five key benefits of annual travel insurance for over 80s, and what it can cover you for.
What Is Annual Travel Insurance?
Also known as multi-trip insurance, annual travel insurance covers any and all trips you take within a 12-month period. You can take as many holidays as you like and be fully protected – but be wary of the amount of days you’re covered for. This could be limited to 31 days in total depending on your policy, so if you’re planning to be away for longer, make sure you tailor your insurance accordingly.
Annual travel insurance starts on the day you take it out and lasts for the next 12 months. When purchasing, be sure to look into the level of coverage you get, and where it covers, too – some annual policies may only cover Europe, but there are policies that cover worldwide trips.
Benefits Of Annual Travel Insurance For Over 80s
Value For Money
Buying single-trip travel insurance for every holiday you take can quickly add up if you’re country-hopping regularly. Even if you only take two trips per year, an annual travel insurance policy can work out cheaper per trip.
Convenience
Once you’ve bought your annual travel insurance, you don’t have to rebuy it again until the next year. You can book your trips knowing you don’t have any more work to do to ensure you’re protected on your adventures. If you’re a frequent traveller, or like taking spontaneous trips, an annual travel insurance policy means you can jet off without worrying about getting insurance first.
Coverage For Domestic Trips
If you’re planning a staycation, life can get in the way, and you might face having to cancel due to emergencies or deal with lost luggage. Don’t leave yourself unprotected – an annual travel insurance policy provides protection for domestic trips as well as trips abroad.
Tailored Protection
When you work with Brunel Insurance For People, we can put together a tailored annual insurance policy that covers your exact needs. Whether you want to add on top-up insurance, cover specialist golf equipment and high-value items, or find coverage for pre-existing medical conditions, we’ll sit down with you to ensure your policy is right for you.
Coverage For Pre-Existing Medical Conditions
In many cases, travel insurance won’t cover any pre-existing medical conditions you may have that you don’t disclose. However, we can help you find travel insurance that protects you against any complications from needing medical care abroad.
Annual travel insurance policies that cover pre-existing conditions may be more expensive than others, but mean that you’re protected while on holiday. If your trip is cancelled or interrupted by an insured medical condition, or you need emergency assistance while on holiday, your insurance will ensure you’re not out of pocket.
What Does Annual Travel Insurance Not Cover?
There are some key limits to consider when it comes to annual travel insurance for over 80s:
Trip Length
Most travel insurance policies will have a limit on how many days per year you can be abroad. This could be anywhere from 21 days to 60 days, so be sure to check the fine print. If you want to spend more time abroad, be sure to let the insurance experts at Brunel Insurance For People know, and we can work with you to find the right policy for your needs.
Excluded Travel-Related Issues
Most annual travel insurance policies won’t cover travelling against government advice, choosing not to travel, or actions or events related to terrorism. Additionally, if you don’t declare any pre-existing medical conditions that you may have, travel insurance won’t reimburse you for any medical emergencies that may happen related to this.
High-Risk Activities
High-risk activities, such as skiing and winter sports, aren’t included under standard travel insurance policies. We can cover this under specialist policies that protect your equipment, any injuries that occur, and bad weather that may mean you can’t ski.
Dedicated Annual Travel Insurance For Over 80s With Brunel Insurance For People
Travelling in your 80s should be joyful, not stressful – and with proper insurance in place, you can travel with confidence, knowing that you’re protected against the unexpected. If you’re ready to find annual travel insurance that works for you, get in touch with Brunel Insurance For People today.
Call us on 0333 188 11 11, or click here to get a quote.
