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Travel Insurance » Travel Insurance for seniors

Travel Insurance for Seniors

Travellers over a certain age have particular cover needs for their holiday. This type of cover offers protection against unexpected medical expenses while you’re away and cancellation costs before you go.

 

Travel Insurance for older people with medical conditions

It is common to have multiple or complex health conditions as we get older. Only around 4 in 10 (44%) of those under 50 have numerous pre-existing medical conditions.

In comparison, at least 1 in 2 (59%) of those over 653. Despite how common it is for older travellers to have a medical condition, it can be challenging to find comprehensive Travel Insurance to cover you.

At AllClear, we believe that age shouldn’t limit your travel opportunities. No one likes to think of the possibility of something going wrong on their holiday.

However, should the worst go wrong while you’re away, with AllClear’s senior citizen Travel Insurance, you’ll have our support.

Despite being at high risk with complex medical conditions, AllClear, as a Specialist Medical Travel Insurance provider, was able to help avid traveller Chris Smith enjoy many adventurous holidays throughout his 70s. He didn’t let his age or heart problems stop his love of travel. Discover his story for inspiration on your next trip.

What’s a pre-existing medical condition?

When choosing your policy, you must declare your medical conditions via our medical screening process. This can be done online or over the phone. Why is it so important to declare all pre-existing conditions? Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim. Here are a few examples of pre-existing medical conditions we cover.

SWIPE TO COMPARE POLICIES

 

Gold

Gold Plus

Platinum

Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Travel Insurance for a cruise

Cruises are a great way for senior citizens to see the world. More than 1 in 3 (36%6) of those we surveyed aged 81+ are interested a cruise holiday. We don’t have any upper age limits on our cruise cover. So you can set sail at any age.

As a Senior traveller, you’ll need Travel Insurance for a cruise to cover your specific needs. It covers all that offers all the benefits found on a standard policy. Additionally, it provides extra benefits to help protect against cruise specific problems.

GHIC cover for seniors

A Global Health Insurance Card (GHIC) is helpful for travellers of all ages when taking a trip to Europe. Money-saving expert Martin Lewis urges travellers to ensure they’ve got a valid GHIC before travelling. He includes checking the validation of your GHIC card as one of his 10 important checks before heading to the airport.

However, the scheme only gives you access to the default state healthcare system within a given country. Therefore it is not a substitute for Travel Insurance. To protect yourself and your trip, you’ll need comprehensive Senior Travel Insurance.

Looking for inspiration?

Be sure you check out our holiday destinations for over 70s to get you inspired for your next adventure.

Join the 3.5 Million+ travellers we’ve helped cover

Rate as ‘Excellent’ on Trustpilot7. AllClear Travel Insurance is Insurance as it should be!

Wonderful service…

“Wonderful service from Rees, who helped through each stage with full explanations of the conditions of the policy. I would unreservedly recommend All clear to any senior travellers with complex health issues.” – Margaret.

What our Customers Say

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Frequently asked questions for Senior Travel Insurance

Are you covered for cancellation if someone else in your group has to go home early?

Yes, you are covered for the cancellation of any other travelling member listed on your Travel Insurance policy.

What if you have Life Insurance? Do you still need Travel Insurance for senior citizens?

Yes. Life Insurance is quite different from Travel Insurance. You will need Travel Insurance for the elderly to cover you for medical emergencies abroad or any cancellation costs.

You want to travel with your family. Can they join the same policy as you?

Yes. We offer the option to quote for a ‘Family’ or ‘Group’ during the quote process. You can even add them after buying your policy by contacting our Customer Care Team on 01708 339029.

Should you get a single trip or Annual Multi-trip policy?

A Single trip can be better if you only plan to go on one holiday in the next 12 months. However, an Annual Multi-trip policy can cover you for any number of trips in the next year. With the rising cost of living, buying an Annual Multi-trip Travel Insurance policy can be a great way to save on your holiday spending as it can work out more cost-effective.

Mark Nalder, Nationwide’s head of payments, details how you can save on flights, hotels and leisure costs.

Is your medication covered if it is lost or stolen?

Yes, it is.

Are there any age limits on getting cover?

We offer Travel Insurance policies with no upper age limits. The only exception is for Winter Sports, which is up to 65.

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 13 March 2024



3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

 

3 Based on AllClear’s annual survey, January 2022. 2707 respondents

4 The research was carried out by MaruBlue among a nat rep sample of 2,016 adults in April 2022. The survey was conducted online.

5 Based on AllClear’s annual survey, January 2022. 1828 respondents aged 66+

6 Based on AllClear’s annual survey, January 2022. 202 respondents aged 81+ 7 Rated overall ‘excellent’ based on 73K Trustpilot reviews on 09.05.2022