Free Travel Insurance For Over 65's

theloft

Last year we switched our current a/c from NatWest to Lloyds TSB, absolutely great! Now we get interest at 4% and service is super. They have now asked us if we want to upgrade to a Platinum A/c. This costs £180 per year (you can get £15 off at the moment), but apart from the fact it gives you all of the following : Free comprehensive AA cover, credit card protection, commission free travel money etc. It also gives you FREE WORLD-WIDE MULTI-TRIP TRAVEL INSURANCE up to the age of 79. OK! you have to pay £180 but, our travel insurance alone last year cost more than that, and the AA cover must be worth £60.
Check the referrals board if you don't bank with Lloyds TSB at present, you can save even more!

hollydays

Not sure about this one.Through this site i got aa cover effectivly for £25 (may not be this price now) and swiftcover and travel insurance web also do very cheap annual.

theloft

It depends on age, type of cover you require, etc. but if you are over 65, world-wide multi trip travel insurance for a couple, through this site, last year cost us £210, the interest on the current account helps to pay for the upgrade, and as stated this is the top tier AA cover, not AutoNational or similar. By the way the referrals deal has now been discontinued, but anyone signing up on the web as an individual to a Lloyds TSB Classic, Classic Plus or above, current acount, will get £50 as a welcome!

Former_MSE_Andrea

Hi,

Martin's done a full rewrite of the travel insurance article. What's in it is uptodate but he's adding some more information in. That'll be in the email in a couple of weeks so if you can wait look out for that

hollydays

oh yeah sorry,take back what i said.

dizzydux

Hi, I found with my bank that we could upgrade our account and get free travel insurance so I asked for full details and a policy document, and discovered that they would not cover for any pre-existing medical conditions at all.
So if you'd had, say, a TIA ( mini stroke, no effects after 24hrs) they would consider that a pre existing condition. Just a thought, best to check the small print and not just automatically assume you are fully covered. We all know Insurance compamies don't like paying out if they can find a reason not to!

hollydays

Think this may be common-my annual asked me to state them too.

theloft

A timely word of warning !! A friend of ours was on holiday in the Canaries with her husband who died of a heart attack while they were on holiday. Her Insurance company refused to pay out when they discovered he suffered from high-blood pressure. Result it has cost her thousands to get his body back to the UK, plus cost of Coroner flying to the island (theirs didn't have one). So beware all of you, you must declare ALL medical conditions even if you think they are not relevant. Lloyds TSB WILL insure pre-exisiting medical conditions on their free package, but you have to contact the Insurance company and tell them what they are. They then give you a surcharge cost if they think the condition warrants it. But, hey, still a hell of a lot cheaper than the travel insurance prices on offer.

flossy_splodge

And as to the value of getting free AA cover, a cutionary tale follows. I broke down on the motorway only about 5 miles from home. Got towed home to my local garage but AA man said car was beyond economical repair and advised (suggested?) I scrap it. Here I am some months later still driving same car which was repaired by a very competent mechanic at a total cost of £133. If I had listened to the AA I would have been seriously out of pocket! Will not be going for roadside assistance from them again! Also very surly patrolman. So for me, not even FREE would tempt me.

bealine

I used Martin's Insurance section and have been quoted £129 for myself and my wife for one years annual insurance for the UK and All of Europe. I have High Blood pressure and that was declared and is shown on the insurance document. For interest, the company is https://www.CLICK4QUOTE.COM. Well worth getting a quote.:money: Incidently I am 67 and my wife 58.

billie19

I would advise to phone around for pre existing medical conditions.

My husband is Tetraplegic - we are off on our first holiday (as a 'disabled' family) to Florida next month.
Considering that World Wide cover costs considerably more than EU.
We were pleasantly surprised to find that Tesco quoted us £300 for annual insurance for two adults and two children.

*Word of warning*

Please please make sure that you have the correct cover when travelling.
My husbands accident happened in the Canaries in 2003.
If we had not had cover it would of cost us over £40,000 just for the airlifts from one island to the other and the flight home.