Ageas Travel Insurance Review 2024
Ageas travel insurance provides peace of mind, ensuring that you won’t lose £100’s or £1,000’s if something goes wrong before or during your holiday. You can choose from 3 levels of cover to protect yourself financially against unexpected events, such as lost luggage or flight cancellation.
Our insurance experts recently rated Ageas as one of the UK’s Top 5 travel insurance companies for holidaymakers in 2024. They are also well-rated by their customers, with an online review score of 4.1 out of 5.0 Stars on independent review site Trustpilot.
Top benefits of Ageas travel insurance:
- All policies include at least £10million in cover for emergency medical expenses.
- Up to £7,500 cover for trip cancellation.
- Defaqto 5 Star Rated travel insurance cover (Gold and Platinum policies).
- 3 comprehensive levels of cover to suit travellers with different budgets.
- Can add your partner or children to your policy for a higher level of protection.
- Can add extra benefits like winter sports cover, cruise cover, or golf cover.
- Covered for a range of sports and recreational activities (specified in policy documents).
With so many options for travel insurance, it can be hard to work out which insurer is best for you. Our insurance experts have reviewed the key pros and cons, and additional benefits of Ageas travel insurance for trips in 2024 and beyond.
60 Second Summary – Ageas Travel Insurance Review 2024
Ageas is a trusted and highly recommended UK insurance company, best known for selling policies like home, car, pet, and travel insurance. Ageas travel insurance starts from around £30 for a single trip, with 3 levels of cover to choose from.
Our insurance experts have rated Ageas as one of the UK’s Top 5 travel insurance companies based on policy benefits, level of cover, and customer experience.
- You can apply for an Ageas travel insurance policy if you are a UK resident and registered with a UK GP. You also must buy your cover before your trip begins.
- Ageas has a solid reputation with a 4.1-star rating on Trustpilot and multiple Defaqto 5-star ratings for its Gold and Platinum policies.
- Ageas policies can be customised with add-ons such as winter sports, cruise, and golf cover – and you can add your partner or children to your policy.
- Ageas is one of the cheapest travel insurance options for older travellers (aged 50 – 70 years old).
- Ageas travel insurance is partially underwritten by a subsidiary of AXA Insurance, and AXA also supports Ageas with processing online claims.
Can I get travel insurance from Ageas?
Ageas offers several options for travel insurance, including both single trip and annual travel insurance policies. There is a cheap option offering high-quality cover for travellers with a tight budget, as well as comprehensive policies for maximum protection.
The three main options for Ageas travel insurance are:
- Ageas Silver (Rated 3 Stars by Defaqto)
- Ageas Gold (Rated 5 Stars by Defaqto)
- Ageas Platinum (Rated 5 Stars by Defaqto)
Ageas often appears as one of the cheapest options for over 50s travel insurance, with prices starting at less than £30 for single trip cover. The actual cost of your policy will vary based on factors like your age, trip destination, and trip duration.
You can apply for Ageas travel insurance if:
- You are a permanent UK resident.
- You are registered with a UK GP.
- You are buying your policy before the start of your trip.
- You tell Ageas about any pre-existing medical conditions.
- You take reasonable care to avoid damage to, loss of, or theft of your property.
- You are not travelling against the advice of a doctor.
- You are not planning to receive medical treatment while abroad.
Is Ageas travel insurance good?
Ageas is extremely well-rated by past and current customers, as well as industry experts and travel insurance brokers. Our insurance experts have compiled a list of Ageas’ latest review scores and ratings below (accurate as of October 2024).
Ageas Trustpilot score
There are over 14,000 positive Ageas travel insurance reviews on Trustpilot, the UK’s most trusted independent review website. This makes them one of the highest-rated travel insurance companies, and most customers are pleased with their experience with Ageas.
As of Autumn 2024, Ageas has a review score of 4.1 out of 5.0 Stars (Great). 69% of Ageas’ customers rated their products and customer service 5.0 out of 5.0 Stars. Their most recent reviews mention they are easy to deal with and contact and their quotes are affordable and fairly priced.
Ageas Defaqto score
Industry experts have rated most of Ageas’ travel insurance policies as 5 Stars, indicating a comprehensive level of cover and customer benefits. Their cheapest policy (Silver) is rated 3 Stars, which means it is a standard policy with an ‘average level of features and benefits’.
How does Ageas travel insurance work?
Ageas offers a variety of travel insurance options, allowing you to choose the policy that best suits your needs. Most policies are available for individuals, families, groups, or couples, and the main policy options are:
- Single trip cover: Ageas single trip travel insurance protects you during one specified trip and can be used for travelling abroad or within the UK.
- Annual travel cover: Ageas annual travel insurance will cover you for all trips within 1 year (12 months) of the start of your policy (trips of up to 62 days maximum).
For each of these options, you can choose if you would like budget cover (Silver), standard cover (Gold), or comprehensive cover (Platinum). You will also need to select your destination based on the following 3 categories:
- Europe including UK (doesn’t include Egypt, Israel, Morocco, or Tunisia)
- Worldwide (excluding USA, Canada, and the Caribbean)
- Worldwide (including USA, Canada and the Caribbean)
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What does Ageas travel insurance cover?
All Ageas travel insurance policies will protect you against financial loss if your holiday is disrupted or cancelled due to unexpected issues. This includes things like loss of luggage, flight delays, or medical emergencies.
The exact amounts that you are covered for will depend on which Ageas policy you choose. Our insurance experts have summarised the main benefits of each policy type below.
Ageas Silver Travel Insurance
- Up to £3,000 cover for cancellation or cutting your trip short (curtailment).
- Up to £10million to help with the cost of emergency medical care or repatriation.
- Up to £1,250 cover for lost or stolen personal belongings.
- Up to £1,000 cover for lost, stolen, or damaged personal money.
- Up to £100 cover for lost, stolen, or damaged important documents.
- Up to £300 for missed departures (if scenario is covered).
- Up to £500 for lost, stolen, or damaged electronic items (gadget cover).
Ageas Gold Travel Insurance
- Up to £5,000 cover for cancellation or cutting your trip short (curtailment).
- Up to £15million to help with the cost of emergency medical care or repatriation.
- Up to £2,000 cover for lost or stolen personal belongings.
- Up to £1,250 cover for lost, stolen, or damaged personal money.
- Up to £600 cover for lost, stolen, or damaged important documents.
- Up to £1,000 for missed departures (if scenario is covered).
- Up to £500 for lost, stolen, or damaged electronic items (gadget cover).
Ageas Platinum Travel Insurance
- Up to £7,500 cover for cancellation or cutting your trip short (curtailment).
- Up to £20million to help with the cost of emergency medical care or repatriation.
- Up to £3,000 cover for lost or stolen personal belongings.
- Up to £1,500 cover for lost, stolen, or damaged personal money.
- Up to £750 cover for lost, stolen, or damaged important documents.
- Up to £1,250 for missed departures (if scenario is covered).
- Up to £750 for lost, stolen, or damaged electronic items (gadget cover).
Ageas Travel Insurance Policy Wording (policy number beginning AG-TRV) – CLICK HERE
Ageas Travel Insurance Policy Wording (other policies bought after 22/05/24) – CLICK HERE
Note: You are not covered if you are travelling to a country/area that the Foreign. Commonwealth and Development Office (FCDO) advises against travel to. You can check if there are travel restrictions for your chosen holiday destination on the Gov.uk website: Gov.uk – Foreign Travel Advice
How much does Ageas travel insurance cost?
The price of your Ageas travel insurance policy will be based on standard factors like your age, trip destination, and trip duration. Prices can be very reasonable, starting at around £30 – £35 per trip.
Simple ways to save money on Ageas travel insurance include opting for a lower level of cover (e.g. Silver instead of Platinum) and not adding extra benefits. You can also compare prices from other insurers to make sure that Ageas is the best and cheapest option for you.
European travel cover (single trip)
| Applicant age | Single trip policy | Annual policy |
| Age 20 | £34.30 (Silver) £37.72 (Gold) £49.21 (Platinum) | £58.11 (Silver) £73.14 (Gold) £78.20 (Platinum) |
| Age 30 | £32.42 (Silver) £35.63 (Gold) £46.49 (Platinum) | £47.89 (Silver) £60.07 (Gold) £64.50 (Platinum) |
| Age 40 | £32.15 (Silver) £35.33 (Gold) £46.09 (Platinum) | £49.56 (Silver) £61.21 (Gold) £66.75 (Platinum) |
| Age 50 | £36.74 (Silver) £40.40 (Gold) £52.73 (Platinum) | £61.41 (Silver) £77.35 (Gold) £82.61 (Platinum) |
| Age 60 | £48.73 (Silver) £53.64 (Gold) £70.08 (Platinum) | £94.18 (Silver) £119.22 (Gold) £126.46 (Platinum) |
| Age 70 | £68.55 (Silver) £75.53 (Gold) £98.76 (Platinum) | £178.06 (Silver) £226.35 (Gold) £238.68 (Platinum) |
| Age 80 | £105.96 (Silver) £116.82 (Gold) £152.87 (Platinum) | £374.00 (Silver) £476.65 (Gold) £500.86 (Platinum) |
Note: The single trip quotes above are based on a 1-week trip to the Spain and are for an applicant with no pre-existing medical conditions.
Worldwide travel cover (including USA, Canada, and Mexico)
| Applicant age | Single trip policy | Annual policy |
| Age 20 | £82.96 (Silver) £91.44 (Gold) £119.60 (Platinum) | £129.81 (Silver) £164.73 (Gold) £174.14 (Platinum) |
| Age 30 | £78.09 (Silver) £86.05 (Gold) £112.56 (Platinum) | £105.78 (Silver) £134.01 (Gold) £141.95 (Platinum) |
| Age 40 | £77.39 (Silver) £85.28 (Gold) £111.55 (Platinum) | £109.71 (Silver) £139.04 (Gold) £147.22 (Platinum) |
| Age 50 | £89.25 (Silver) £98.38 (Gold) £128.70 (Platinum) | £137.58 (Silver) £174.63 (Gold) £184.50 (Platinum) |
| Age 60 | £120.22 (Silver) £132.58 (Gold) £173.51 (Platinum) | £214.57 (Silver) £273.00 (Gold) £287.54 (Platinum) |
| Age 70 | £171.44 (Silver) £189.11 (Gold) £247.58 (Platinum) | £411.67 (Silver) £524.76 (Gold) £551.26 (Platinum) |
| Age 80 | £268.05 (Silver) £295.78 (Gold) £387.36 (Platinum) | N/A |
Note: The single trip quotes above are based on a 1-week trip to the USA and are for an applicant with no pre-existing medical conditions.
Can I get Ageas travel insurance for pre-existing medical conditions?
Ageas travel insurance can often cover people with pre-existing medical conditions, but you will need to disclose details about your medical history when you apply. This falls into 2 categories:
- Conditions that you have had in the past 5 years: Have you received advice, treatment, or medications for conditions such as cancer, heart conditions, diabetes, neurological conditions, or other chronic conditions?*
- Conditions within the last 12 months: Have you had a consultation about or received treatment or medication for other medical conditions? This also includes awaiting treatment or planned surgeries.
You should be honest about your medical history when applying for travel insurance, or you risk having an invalid or unsuitable policy.
If you have serious medical conditions, it’s usually best to apply through a medical travel insurance specialist. A specialist comparison site can find you the best and cheapest travel insurance policies based on your trip details and medical history.
Note: *This is a summary, and you will be given a full list of conditions that need to be disclosed during the application process.
Travel Insurance provider reviews
How do I contact Ageas by phone?
If you need to call Ageas about a new or existing policy, you can use the contact numbers listed below.
Ageas travel insurance contact numbers
Telephone (general enquiries) – +44 (0)0345 165 5762
Email – service@ageas-travel.co.uk
Opening hours – 9.00am – 5.00pm Monday to Friday
Telephone (existing policies) – +44(0)345 165 5762
Opening hours – 9.00am – 5.00pm Monday to Friday
Telephone (claims) – +44 (0)203 336 7440
Opening hours – 9.00am – 5.00pm Monday to Friday
Telephone (urgent medical assistance) – +44 (0)203 336 7440
Opening hours – open 24/7.
How do I claim on Ageas travel insurance?
If you need to claim on your policy, you should contact Ageas online or using the contact numbers above. The exception is if you need to claim on your gadget cover, which is provided by Taurus Insurance Services. You can contact them using these contact details:
Telephone – +44 (0)330 175 7853
Email – ageas.tiga@taurus.gi
Opening hours – 9.00am – 5.30pm Monday to Friday
Post:
Taurus Insurance Services Limited,
Suite 2209-2217 Eurotowers,
Europort Road,
Gibraltar
You should contact Ageas (or Taurus) as soon as you know that you need to claim to start the process. Ageas will assign you a claims advisor who will help you through the entire process and can answer any questions.
Note: Ageas travel insurance is underwritten by AXA insurance. You would need to register your claim with AXA HERE if you want to start your claim online.
Can I complain about Ageas travel insurance?
If you’re not happy with your travel insurance policy, you can call Ageas to submit a formal complaint. The number that you will need depends on what you are complaining about. Our experts have listed all of the relevant contact details below.
General complaints
Telephone – +44 (0)345 165 5762
Email – service@ageas-travel.co.uk
Post:
Hood Travel Limited,
2nd Floor,
Dencora Court,
Tylers Avenue,
Southend-on-Sea,
Essex,
SS1 2BB
Claims complaints
Telephone – +44(0) 203 336 7440
Email – claimcomplaints@axa-assistance.co.uk
Post:
Complaints team,
AXA partners,
The Quadrangle,
106-118 Station Road,
Redhill,
RH1 1PR
Financial Failure complaints
Telephone – +44(0) 203 758 0840
Email – complaints@libertyglobalgroup.com
Post:
Compliance Officer,
Liberty Mutual Insurance,
Europe SE,
20 Fenchurch Street,
London,
EC3M 3AW
Gadget cover complaints
Telephone – 0330 175 7853
Email – gadget.complaints@taurus.gi
Post:
Customer Relations Officer,
Taurus Insurance Services Limited,
Suite 2209-2217 Eurotowers,
Europort Road,
Gibraltar
Note: If you experience issues when complaining to Ageas or an Ageas partner, you can refer your complaint to the Financial Ombudsman Service for additional support.
Making a complaint to the Financial Ombudsman Service
The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.
Telephone – 0800 023 4567 (or 0300 123 9123)
Telephone (outside the UK) – 0207 964 0500
Should I buy an Ageas travel insurance policy?
There are lots of options for travel insurance companies, so it’s important to think carefully before choosing your insurer. Ageas has a lot to offer to its customers but might not be the right insurer for every traveller or every trip.
The simplest way to compare travel insurance policies is by using a specialist online comparison tool. To get started, you can CLICK HERE to enter your details and compare the best policies from the UK’s top travel insurance providers.
