Travel Insurance in UK
Travel insurance offers protection for people on holiday or when travelling away from their home. Everyone wants their holiday to be enjoyable but unfortunately, there can be problems. Insurance can cover the cost of health care abroad, lost or stolen belongings and for the holiday itself if sickness or other problems force the cancellation of a trip. Travel insurance may seem like an optional extra but, as hundreds of thousands of people find each year, it buys more than peace of mind.
In UK, travel insurance is available to people of all ages. The typical travel insurer provides single trip cover up to around age 85, whereas annual cover up to around 73. There are also many specialists and some mass market insurers who provide travel insurance to any ages. In 2009, there were around 66 different policies available for people aged 85 and over, and 23 annual policies.

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Here is a list of travel insurance offers. Get a free quote and save your money today:-

• American Express Travel Insurance


• Columbus Direct Travel Insurance


• Club Direct Travel Insurance


• Flexicover Travel Insurance


• Argos Travel Insurance


• JS Travel Insurance


• More Th>n Travel Insurance


• Saga Travel Insurance for the over 50s


• AA Travel Insurance


• Aviva Annual Travel Insurance


• Aviva Single Travel Insurance


• Nationwide Travel Insurance


• Debenhams Travel Insurance


• Direct Travel Insurance


• Endsleigh Travel Insurance


• Insure For Travel Travel Insurance


• Marks and Spencer Travel Insurance


• Travel Insurance Web Travel Insurance

A person’s age is an important factor in helping travel insurers to determine the level of risk they pose. This is because the primary function of travel insurance is to cover the potentially very high cost of a policyholder needing emergency medical treatment or repatriation following accident or illness while abroad. Futhermore, evidence shows a strong link between a person’s age and their health. As a result, older travellers are more likely to make a claim against their travel policy than younger people, and their claim is likely to be more expensive:

• Travellers aged over 65 are three times more likely to make a travel insurance claim than those aged 35, and people over 85 are eight times more likely.
• The average claim made by a person over 65 is nearly three and a half times more expensive than one made by a person under 50.
• The combination of increased cost and frequency of claims means that customers in their 80s are around eight to 12 times more risky than customers under 65.

Pre-existing medical conditions such as disability, health condition or illness, or have had one in the past could affect your premium and the level of cover available. An insurer’s assessment of risk is based primarily on claims experience built up over many years. Evidence shows that medical history can affect the likelihood of the person making a claim and the potential cost of that claim.
It is important that you tell your insurer about your health history. If you disclose something that has not cause any problems for some time, or it doesn’t increase your risk of making a claim, your premium will not be affected. But if you had a condition before your trip and didn’t tell the insurance company, your insurer may not pay for medical treatment or the costs to get you home if you are sick from this. To make sure this doesn’t happen, tell the insurance company about any changes to your health before you go. They will reassess the situation and confirm whether or not the condition would be covered.
Finding travel insurance when you have had certain medical conditions can be difficult, but cover is normally available and many insurance companies are now looking at cases individually rather than refusing to insure everyone who has had a particular illness or excluding it from the policy. When shopping around, remember that specialist insurers are likely to have more claims data relating to their area of expertise, helping them assess those risks more accurately. Where insurers do not have this experience, certain conditions may be excluded, or they may be unable to offer cover at all. A specialist travel insurance broker and some health support groups may also be able to help you find the cover you need.
You need to check the policy covers you for the amount of time you are away and also for your destination. You can chose policies which last a fortnight or for all travel within a year. You can travel insurance for trips within Europe, further afield or world-wide. If you are planning to go to more dangerous parts of the world or take part in activities like skiing which are more likely to lead to injury, you have to make sure the policy covers you. The cost of policies will reflect how long you are away, where you go, what you intend to do and the amount of cover you want. It is important that you choose a policy which meet all your needs.

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