Products & services

Q.I am travelling to Spain and suffer from a pre-exisiting medical condition – should I tell anyone when I apply for cover?
A. Yes‚ this is important‚ whether you're taking out cover for a Single Trip policy or an Annual Multi-trip policy. If you are travelling outside of the United Kingdom and you answer 'Yes' to any of the medical screening questions‚ you must declare the medical conditions. You must do this before taking out or renewing your policy. If you have an Annual Multi-trip policy you must also tell us if there is a change in your health during the policy year which means that you answer YES to any of the medical screening questions.

Q. My friend was coming on holiday with us but has now dropped out. Can she have her premium refunded?
A. No‚ cover includes cancellation charges and for that reason it has to start on the date of issue‚ not on the date the holiday starts. Your friend has already in effect used some of her cover when booking the holiday.

Q. I took out European Annual Multi-trip cover but now my cousin has invited me to visit her in Canada. Do I need a whole new policy?
A. No‚ you can simply upgrade the policy you have to include worldwide cover. Of course‚ you’ll need to pay the difference between the premiums for European and Worldwide policies.

Q. Why can’t my Annual Multi-trip cover start just before I take my next trip?
A. Your cover includes loss of deposit and cancellation charges‚ so it’s essential you already have the cover in place when you book and pay your deposit.

Q. Will I get my money back if my Tour Operator goes out of business?
A. Your policy now covers you for the failure of the Tour Operator/Travel or Accommodation Provider where there is no other protection or recovery available to you‚ such as a bond or protection under a credit card.

Q. If I take out this travel insurance‚ will it be like having private medical cover abroad?
A. No‚ travel insurance and private medical insurance are different things. Travel cover will look after emergency expenses if you are injured or ill abroad‚ but not the wide range of treatment expected with medical insurance.

Q. Do you have a money back guarantee in place?
A.We want you to be completely happy with your insurance so we have a special money back guarantee. If you’re not satisfied with your policy‚ you can return it to us within 14 days for a full refund. No refund of premium is available after the 14 day period‚ and for a Single Trip policy‚ a refund is only available if the period from the date of issue of the policy to your scheduled return date home is any greater than 28 days.

How to buy

• Call 0845 600 3348 ( Please quote ref: ALL 721)
  
  Lines are open 8am - 8pm Monday to Friday‚ 9am - 5pm Saturday
  
• Visit your local trading Age Concern ** to talk to someone face to face
  
• Buy online

 

**Not all Age Concerns offer all Age Concern products. Please check (by telephoning your local office) before arranging a visit.

If you call 0845 for travel insurance‚ you will be dealing with Fortis Insurance Limited‚ which provides and manages Age Concern Travel Insurance.

If you contact an Age Concern office‚ you will be dealing with an Appointed Representative of  Age Concern Enterprises Ltd (ACEnt)‚ 3-10 Melton Street‚ London NW1 2EB.

ACEnt and Fortis Insurance Limited are each authorised and regulated by the Financial Services Authority for insurance mediation and are not in the same group of companies.

Medical exclusions may apply and acceptance is not guaranteed. Terms‚ conditions and exclusions apply to this insurance.

Ref: T593V4JUL08