Age UK travel insurance in 60 seconds
Age UK Travel Insurance at a glance (2026)
Already booked? Buy now, not laterTravel insurance only covers cancellations from the date you take out the policy. Buying within 24 hours of booking gives you the most cancellation protection, see our travel insurance guide.
Age UK travel insurance cover and tiers in 2026
Age UK travel insurance is underwritten by Ageas Insurance Ltd, the UK arm of Belgian insurer Ageas SA/NV, and arranged by Age UK Enterprises Ltd. Both are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Single trip covers a single holiday up to 94 days; annual multi-trip covers any number of trips in a year, with each trip capped at 31 days. There is no upper age limit, even at renewal.
The Age UK travel insurance product range
Age UK Standard
Comprehensive cover with £10m medical, £3,000 cancellation, £2,000 baggage and 24/7 emergency assistance. No upper age limit; pre-existing conditions accepted subject to medical screening.
- Medical to £10m.
- Cancellation to £3,000.
- No upper age limit.
Age UK Premier
Enhanced cover with £15m medical, £5,000 cancellation, £2,500 baggage and reduced excesses. Cruise cover included as standard at no extra cost on Premier.
- Medical to £15m.
- Cancellation to £5,000.
- Cruise cover included.
Annual Multi-trip
Unlimited trips for 12 months at Standard or Premier level. Each trip up to 31 days, with no upper age limit at any point during the policy year. Best value if you take three or more trips a year.
- Unlimited trips per year.
- No upper age limit.
- Worth it from 3+ trips.
Pre-existing Conditions
Age UK accepts a wide range of declared conditions including cancer, heart disease, diabetes, stroke and high blood pressure. Online medical screening takes around 10 minutes and gives an instant decision.
- Cancer cover available.
- Diabetes & heart disease covered.
- Instant online screening.
Winter Sports
Paid add-on on Standard and Premier. Covers up to 21 days of skiing or snowboarding per year, ski equipment (owned and hired), piste closure compensation and pre-paid ski pass losses.
- Ski equipment to £1,000.
- Piste closure compensation.
- Up to 21 days per year.
Cruise Cover
Bolt-on for Standard (free on Premier): missed port, cabin confinement, formal wear loss and unused excursion cover, plus medical evacuation from ship to shore.
- Missed port cover.
- Cabin confinement benefit.
- Free on Premier tier.
Standard vs Premier: cover limits
| Section | Standard | Premier |
|---|---|---|
| Emergency medical & repatriation | £10m | £15m |
| Hospital benefit | £400 | £600 |
| Emergency dental | £400 | £500 |
| Personal liability | £2m | £2m |
| Cancellation & curtailment | £3,000 | £5,000 |
| Travel disruption | £1,500 | £3,000 |
| Baggage | £2,000 | £2,500 |
| Single-item limit (baggage) | £300 | £400 |
| Missed departure | £750 | £1,250 |
| Loss of passport | £500 | £750 |
| Cruise cover | Paid add-on | Included |
| Excess per section | £100 | £50 |
Source: Age UK travel insurance Insurance Product Information Documents (IPIDs), 2026.
Why Age UK for older travellers?Age UK has no upper age limit on any travel policy and accepts a wide range of pre-existing conditions including cancer, heart disease, diabetes and stroke. Around £7 million a year from the brand's insurance commissions is returned to the charity Age UK to fund advice and befriending work.
Optional add-ons
- Winter sports: skiing, snowboarding, piste closure and ski equipment cover. Paid add-on on both tiers.
- Cruise cover: missed port, cabin confinement, formal wear and unused-excursion cover; free on Premier.
- Hazardous activities: covers a list of higher-risk activities normally excluded as standard.
- Excess waiver: removes the per-section excess on a Standard policy.
- Golf cover: clubs and green-fee cover available as a paid add-on, useful for older travellers on golf breaks.
Medical screening, the easy wayAge UK's online medical screening takes around 10 minutes, accepts most chronic conditions and gives an instant decision. If a condition cannot be covered, the system tells you immediately rather than after weeks of back-and-forth.
Age UK travel insurance prices in 2026
Travel insurance premiums are based on age, destination, trip length and any pre-existing medical conditions. Age UK prices are not the cheapest for younger, healthy travellers in 2026, but the brand becomes unbeatable for over-65s and policyholders with declared medical conditions, where many mainstream insurers will refuse cover or quote much higher. Indicative annual multi-trip quotes for a 70-year-old with no medical conditions, Europe-only cover:
| Policy | UK average (age 70) | Age UK quote |
|---|---|---|
| Annual Standard, Europe | £115 | £108 |
| Annual Premier, Europe | £185 | £162 |
| Annual Standard, Worldwide ex USA/Canada | £245 | £218 |
| Annual Premier, Worldwide inc USA/Canada | £398 | £352 |
| Single-trip Premier, 2 weeks USA (age 70) | £185 | £164 |
Source: ABI Travel Insurance Premium Tracker Q1 2026 + Selectra quote tests on ageukinsurance.com, 70-year-old, no medical conditions, May 2026. Personal quotes will vary with age and medical history; declared conditions can add a 25–100% surcharge.
Age UK's annual policies usually beat the equivalent single-trip cover for over-65s if you take two or more trips a year. Run both quotes side-by-side at the quote stage to see the break-even.
Age UK travel insurance cancellation policy
Age UK refunds the full premium if all of the following apply:
- You cancel within 14 days of receiving your policy documents.
- You have not made, and do not intend to make, a claim.
- No incident has occurred that may lead to a claim.
- You have not started travelling.
After the 14-day cooling-off period, you can still cancel the policy but you will not receive any refund. Cancellation must be confirmed in writing or by phone on 0800 678 1602. A small admin fee may apply.
Age UK travel insurance customer service
Age UK uses different phone lines depending on what you need. The emergency assistance number is the one to programme into your phone before you fly, it is the only line that operates 24/7 worldwide. UK call centres are staffed by Ageas in Eastleigh.
Contact Age UK by phone
Emergency assistance abroad
Medical & repatriation, 24/7
+44 (0)345 600 7177
24/7 worldwide
Top lineTravel insurance quotes
New policy enquiries
0800 678 1602
Mon–Fri 09:00–17:00, Sat 09:00–13:00
Existing policy changes
Amend dates, names, cover
0800 098 8230
Mon–Fri 09:00–17:00
Top lineMake a claim (post-trip)
Baggage, cancellation, expenses
0345 600 7177
24/7
Medical screening
Pre-existing conditions
0345 600 7444
Mon–Fri 09:00–17:00
Age UK advice line
Free charity helpline
0800 169 2700
Every day 08:00–19:00
Cancel policy
Within 14-day cooling-off
0800 678 1602
Mon–Fri 09:00–17:00
Complaints
Customer relations team
0345 600 7177
Mon–Fri 09:00–17:00
Information to have ready before you call
- Your full name, policy number and the date the incident occurred.
- A copy of your policy schedule (issued by post or via the Age UK customer account) and the IPID for your tier.
- For medical claims: name and contact details of the treating hospital and any local doctor.
- For baggage or theft claims: a police report or property irregularity report (PIR) from the airline.
- For cancellation: written proof of why you cannot travel (doctor's note, employer's letter, FCDO advice page).
Age UK travel insurance reviews and ratings
Age UK consistently wins industry awards for older-traveller cover. The 2025 Which? Recommended Provider survey lists Age UK for travel insurance for over-65s and for pre-existing conditions cover. Customer scores are above average for the segment.
| Source | Standard | Premier |
|---|---|---|
| Defaqto 2026 | 4 stars | 5 stars |
| Fairer Finance 2026 | 4 stars | 5 stars |
| Which? Recommended Provider 2025 | Yes (over-65s & pre-existing conditions) | |
| Trustpilot all Age UK Insurance | 4.4/5 (25,000+ reviews) | |
Sources: Defaqto and Fairer Finance public ratings 2026, Which? consumer survey 2025, Trustpilot May 2026.
What customers like
- No upper age limit on any tier, including annual multi-trip, is rare in the UK market.
- Pre-existing conditions accepted including cancer, heart disease, diabetes and stroke, often where other insurers refuse cover.
- Defaqto and Fairer Finance 5 stars on Premier; 4 stars on Standard, generous limits for the segment.
- UK call centre based in Eastleigh, no scripted time limits and adviser-only service (no chatbots).
- Charity dividend: around £7m a year returned to Age UK from insurance commissions.
Common criticism
- Not the cheapest for under-50s: Age UK competes on cover and acceptance, not headline price.
- Pre-existing medical loading: declared conditions can add 25–100% to the price, although the brand still accepts where others refuse.
- Single-item limits: £300–£400 won't cover a high-end laptop or camera, you need a specialist gadget insurer alongside.
- No mobile app: policy documents arrive by post or email and are managed via the web account, not a dedicated app.
Selectra's verdict on Age UK travel insurance in 2026
Strengths: no upper age limit, pre-existing conditions accepted including serious illness, 5-star Defaqto Premier tier, a strong UK call centre and a charitable dividend funding Age UK's advice services.
Weaknesses: not the cheapest for healthy under-50s, pre-existing medical surcharges, modest single-item baggage limits and no mobile app.
If you are over 65 or have a declared medical condition, Age UK is one of the safest travel insurance choices on the UK market in 2026 and often the only one willing to cover the trip at all. For younger, healthier travellers, run the quote alongside AA, Admiral and LV in our UK insurance providers guide.
Age UK travel insurance FAQ
Age UK travel insurance is underwritten by Ageas Insurance Ltd, the UK arm of Belgian insurer Ageas SA/NV. Policies are arranged by Age UK Enterprises Ltd, a wholly-owned subsidiary of the charity Age UK. Both are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Around £7 million a year from insurance commissions is donated back to the charity.
No. Age UK has no upper age limit on single-trip, annual multi-trip or winter sports cover. Policies continue to renew regardless of age, provided you meet the standard medical-screening criteria. This makes Age UK one of the few mainstream UK insurers that will cover travellers in their 80s and 90s.
Yes, including a wide range of serious conditions. Cancer, heart disease, diabetes, stroke and high blood pressure are all accepted subject to online medical screening. The screening takes around 10 minutes and gives an instant decision. Declared conditions can add 25–100% to the premium but are accepted where most mainstream insurers refuse.
Call +44 (0)345 600 7177, available 24/7 from anywhere in the world. The team can authorise hospital treatment, arrange repatriation, find replacement passports and liaise with airlines on flight changes. Save the number in your phone before you fly. The same number is used for post-trip claims.
Yes. Both tiers cover emergency medical treatment overseas, repatriation costs and accommodation if you test positive for Covid-19 abroad. Cancellation cover includes positive Covid tests within 14 days of departure, but does not cover changes in FCDO travel advice or government restrictions, the standard market position since 2023.
Call 0800 678 1602 within the 14-day cooling-off period for a full refund, provided you have not travelled and have not made a claim. After 14 days, you can still cancel but you will not receive any refund and an admin fee applies. Annual multi-trip policies cannot be cancelled mid-year after the cooling-off period, the cover continues until the renewal date.