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Why choose PayingTooMuch?
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Take the trip of a lifetime at any age, with travel insurance that’s with you all the way.
Compare cover for emergency medical treatment, cancellations, travel delays and more, with our easy to use price comparison. Get a quote online or call our friendly team for travel insurance that gives you peace of mind.
At PayingTooMuch, you can compare travel policies to find one that fits you. Most policies will include cover for:
But you can also add or remove add-ons, to suit your trip. This could include:
Most travel insurance policies won’t cover you for things such as:
Travel insurance can vary in price for a number of reasons. Age is one of the factors that can make a policy more expensive. But other things can impact the cost, such as:
Underlying medical conditions can drive up the cost of your travel insurance. That’s because there’s a higher chance you’ll need to make a claim.
Some countries, such as the USA, have an expensive healthcare system compared to the UK. This could increase the price of your insurance policy to cover this additional cost. If you’re travelling to a country with a higher risk of natural disasters, such as earthquakes or tornados, this might also impact the cost.
The longer the trip, the more cover you’ll need, which can make your policy more expensive.
If you need more medical cover, then it will cost more.
A policy through PayingTooMuch will include cover for cancellations, medical emergencies, lost luggage, and more. Depending on how many holidays you’re planning, you can choose between single trip or an annual policy:
A single trip policy could offer you the best value for money if you’re only planning one holiday in a year. This will give you cover just for the days that you’re away for, for trips up to 104 days. But you’ll also be covered in case of cancellations if you take out your policy as soon as you book your holiday.
Planning more than one holiday in a year? Annual multi-trip cover could save you the hassle of taking out a new policy every time you go abroad. They can also be better value for money than several single trip policies.
A medical condition shouldn’t stop you from going on holiday if you’re well enough to travel. By covering your conditions when you get your quote, you can find the right medical travel insurance that can protect you properly.
You’ll need to tell us whether you’ve had any medical conditions in the last two years including:
It’s also important to tell us if you’ve ever had, or received treatment or tests for:
This way you can have peace of mind that you’ll get the right level of cover for you.
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
A lot of travel policies don’t have an upper age limit. But some might, especially if they include activities like winter sports.
By comparing quotes, you’ll be able to find a policy that suits your needs, so you can take the trip of a lifetime, at any age.
You can add cruise cover to your over 80s travel policy for extra peace of mind that you'll be protected for things that only happen at sea. Some of the cruise-related things you could get cover for include:
- Missed ports
- Unused excursions
- Cabin confinement
A lot of cruise companies will need you to take out a certain level of medical cover before you board. So it’s a good idea to check this before you take out your travel insurance.
Your GHIC or EHIC can help if you need to access state healthcare in the EU, but it isn’t a replacement for travel insurance. Your travel policy will cover you for things like cancellations, getting you home in an emergency, and lost baggage.
Some insurers ask that you have a GHIC as well as travel insurance to waiver the excess on your policy. You can find out more about the GHIC in our guide.
A lot can happen between booking your holiday and heading off abroad. So it’s always better to be prepared.
If you take out travel insurance as soon as you book your holiday, then you’ll be covered for cancellations if you find out you can’t go. So whether you need to cancel for medical reasons, or if the FCDO have advised against travelling, you’ll be covered.