Whichever policy type you choose, check carefully to see how long you’re covered for on each trip. Since older people tend to go on longer holidays, it’s important to know if there are any trip limits.
Travel insurers can set upper age limits depending on the kind of activity you want to do while away. For instance, you’re less likely to find ski cover than you are, say, cruise cover, if you’re in your 70s and 80s. That’s not to say it doesn’t exist; you just might need to find a specialist provider.
The older you get, the more restrictions there may be on how long you can travel and stay covered for. While younger people may be able to get covered for up to a year, people in their 70s might be limited to 90 days, and those in their 80s to fewer days still.
As an example, Post Office Travel Insurance has the following age limits:
- Single-trip policies: if you’re up to and including 70, you can qualify for the longest possible trip of 365 days. If you’re between 71 and 75, the maximum length of your trip drops to 90 days. And if you are 76 or above, the longest trip you'd be covered for is 31 days
- Multi-trip policies: the maximum age for our Economy, Standard and Premier level multi-trip policies is 75. Although you can take as many trips as you like within the policy year, there’s a maximum of 31 days duration for each individual trip. The limit can be extended to 45 or 60 days for an additional premium.
This will differ between insurers, so it’s worth knowing what you can get covered for before you buy.
