Friday 20 September 2019

Know the conditions: age matters in travel insurance

LIMIT: Over 80s may struggle to obtain travel insurance online
LIMIT: Over 80s may struggle to obtain travel insurance online
Independent.ie Newsdesk

Independent.ie Newsdesk

While there are lots of ways to cut the costs of your travel if you are over 50, the cost - even availability - of travel insurance can be an issue if you are over 65.

Many travel insurance firms impose age limits or else certain conditions on some of their packages for older customers, such as having private health cover, while others may insure you only on a single trip basis of up to 30 days or less.

Judging from a few quotes obtained online, a traveller aged 66 will pay twice as much as someone aged 65. For instance, a mid-range annual multitrip policy with Multitrip.com costs €45 (or €34 with private health cover) for the 65-year-old compared with €90 (€70 with private health cover) for the 66-year-old.

With the AA, it costs €48 for the cheapest cover for a 65-year-old, compared with €93 for the 66-year-old (both without health cover).

If you are over 80, which is the absolute age limit for any type of cover for many firms, you might have to pick up the phone and talk to someone instead of searching for quotes online.

However, there are firms that have no age limits, such as Allianz, Zurich and RSA, but the cost will be high. For instance, a single traveller over the age of 100 looking for worldwide annual multitrip cover from 123.ie (owned by RSA) will have to pay at least €335.

Irish Independent

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