Tips How to Find the Best Annual Travel Insurance for Over 70s

How to Find the Best Annual Travel Insurance for Over 70s. If you're over 70 and love to travel, you might be wondering how to find the best annual travel insurance for your needs.

Annual travel insurance, also known as annual multi-trip travel insurance, is a type of policy that covers you for multiple trips within a year. This can be a convenient and cost-effective option if you plan to travel frequently or spontaneously throughout the year.

Find the Best Annual Travel Insurance

However, not all annual travel insurance policies are suitable for seniors over 70. Some policies may have age limits, exclusions for pre-existing medical conditions, or lower levels of cover than single trip policies.

Therefore, it's important to compare different options and find a policy that meets your specific requirements and budget.

In this blog post, we'll share some tips on how to find the best annual travel insurance for over 70s, what to look for in a policy, and where to get quotes from reputable providers.

How to find the best annual travel insurance for over 70s

The first step to finding the best annual travel insurance for over 70s is to determine your travel plans and needs.

Here are some questions to ask yourself:

1. How often do you plan to travel within a year?
2. How long will each trip last?
3. Where do you plan to go? Do you need worldwide or regional cover?
4. What activities do you plan to do? Do you need extra cover for sports or adventure activities?
5. Do you have any pre-existing medical conditions that may affect your cover or premium?
6. How much are you willing to pay for your cover?

Once you have a clear idea of your travel profile, you can start comparing different policies and providers.

Here are some factors to consider when choosing an annual travel insurance policy:

• The maximum age limit: Some policies may have an upper age limit of 65, 70, or 75, while others may not have any age restrictions at all. Make sure you check the eligibility criteria before buying a policy.
• The maximum trip duration: Most annual policies will have a limit on how long each trip can last, usually between 30 and 90 days. If you plan to take longer trips, you may need to look for a long-stay or backpacker policy instead.
• The level of cover: Annual policies may offer lower levels of cover than single trip policies, especially for medical expenses, cancellation, and baggage. You may also need to pay extra for optional extras such as winter sports or cruise cover. Compare different levels of cover and make sure they meet your needs.
• The exclusions: All policies will have exclusions that limit or invalidate your cover under certain circumstances. For example, some policies may not cover pre-existing medical conditions unless you declare them and pay an additional premium. Some policies may also exclude certain destinations or activities that are deemed too risky. Read the policy wording carefully and understand what is and isn't covered.
• The excess: This is the amount of money you have to pay towards any claim before the insurer pays out. The excess can vary depending on the type of claim and the level of cover. Generally speaking, the higher the excess, the lower the premium and vice versa. Choose an excess that suits your budget and risk appetite.
• The customer service: When buying an annual travel insurance policy, you want to deal with a reputable provider that offers good customer service and support in case of an emergency or claim. Check online reviews from other customers and see how they rate their experience with different providers.

Where to get quotes from reputable providers

One of the easiest ways to find and compare quotes from different providers is to use an online comparison site such as

1. MoneySuperMarket.com (UK)
2. UpgradedPoints.com (US)
3. Forbes.com (US)

These sites allow you to enter your details once and get quotes from multiple providers in minutes.

Alternatively, you can contact individual providers directly via their websites or phone numbers and request quotes from them. Some well-known providers that offer annual travel insurance for over 70s include

1. Allianz Travel Insurance (worldwide)
2. Saga Travel Insurance (UK)
3. Staysure Travel Insurance (UK)
4. World Nomads Travel Insurance (worldwide)
5. InsureandGo Travel Insurance (UK)
6. AARP Travel Insurance (US)
7. AAA Travel Insurance (US)

Final thoughts

Annual travel insurance can be a great option for seniors over 70 who love traveling frequently throughout the year without worrying about buying separate policies every time they go abroad.

However, finding the best annual travel insurance for over 70s requires some research and comparison shopping as not all policies are created equal.