Our Travel Insurance for Over 75s is designed to protect what matters most: your health, your plans, and your peace of mind. With no upper age limit and cover for over 1,300 medical conditions, you’re free to embrace every trip knowing you’re in good hands.
What is Travel Insurance for Over 75s, and do you need it?
If you’re over 75 and planning a trip abroad, having specialist Travel Insurance is essential. As we get older, the chances of needing medical care on holiday increase, and so can the costs. That’s why our Travel Insurance for Over 75s is designed to protect you against unexpected expenses, from medical emergencies and hospital visits to lost luggage and trip cancellations.
Our policies have no upper age limit, and we can cover more than 1,300 pre-existing medical conditions, so you can travel with peace of mind.
Travel Insurance is essential if you’re planning a trip abroad at any age, but especially as you get older. For example:
- In 2023, we paid more than £33,000 to cover the medical costs of a 75-year-old who contracted Bronchopneumonia in Turkey.
- A fall in Spain, resulting in a broken hip, would cost £15,000, including getting home.
- The NHS estimates a third of all people over 65 will have at least one fall a year.
- If you fall on holiday, it’s important to make sure your insurance covers your hospital visit.
Without the right Travel Insurance, these costs would need to be paid out of pocket. With AllClear, you’ll get comprehensive cover, a simple quote process, and the reassurance of a team that understands your needs.
If you’re looking for Travel Insurance for Over 75s, more than 99% of our customers are offered cover1. Our policies come with up to unlimited cover for medical expenses and repatriation, meaning you’re free to relax and enjoy your trip.
What does AllClear’s Travel Insurance for Over 75s cover?
Travel Insurance for Over 75s works like most Travel Insurance policies, meaning you’re covered for unexpected events on your holiday, like a medical emergency, cancelled accommodation, lost luggage, or even if your holiday is cancelled2.
We provide specialist medical cover for over 1,300 medical conditions, meaning you can explore the world with confidence.
What’s covered?
- Medical cover – AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
- Cancellation and curtailment2 – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency.
- Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
- Travel delays and missed departures – We’ll compensate you for the time if your flight is delayed. If you miss your flight, you’ll also be covered for accommodation and transport costs.
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
- All ages – We believe Travel Insurance should be available to as many people as possible; that’s why our Travel Insurance has no upper age limit.
What’s not covered?
- Deciding not to travel – We do not provide any cover if you can travel but choose not to.
- Other regions – Your Over 75s Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy anytime.
- Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy Travel Insurance so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.
For full details of what is and is not covered, please check your policy wording.
We tailor all our travel policies to your specific requirements, so we offer three different policy levels: Gold, Gold Plus, and Platinum.
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 £5k |
| 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.
AllClear’s Travel Insurance for Over 75s with pre-existing medical conditions
In the UK, around 15 million people live with a pre-existing medical condition, and nearly two thirds (62%) of travellers live with at least two medical conditions3. Having a pre-existing condition shouldn’t be a barrier to travel, which is why we cover more than 1,300 medical conditions, including terminal conditions.
If you have a pre-existing medical condition, all you need to do is declare it while getting your quote. Questions we might ask include:
- When were you diagnosed?
- Do you take any medications?
- When was the last time you needed to be admitted to the hospital for treatment?
We can cover all medical conditions, including:
- Chronic conditions — These are conditions which can have long-term health impacts on health. We cover cancer, Crohn’s disease, diabetes and disabilities, among others.
- Musculoskeletal conditions — Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis.
- Heart conditions — We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation.
We’re here to support you if you or anyone named on your policy has a medical emergency while you’re away — including any emergencies relating to pre-existing medical conditions. The medical emergency assistance line is operational 24/7.
Find the best Travel Insurance for Over 75s for your trip
No two holidays are the same. This is why we tailor our policies to your trip.
- Single Trip Travel Insurance: Only heading abroad once this year? Single Trip Travel Insurance covers you for a single trip of up to 365 consecutive days.
- Annual Worldwide Travel Insurance: If you’re planning a few shorter trips over a year, choosing an Annual Travel Insurance policy could save you time and money. With AllClear, you can choose between two options – cover anywhere in the world, including the USA, Mexico, Canada, and the Caribbean or cover anywhere in the world which excludes those destinations.
- Cruise Cover: Are you heading off on a cruise? You’ll need cruise cover, which protects you against cabin confinement for any reason or missed departures.
- Gadget Cover: This is a must-have for anyone going abroad with a couple of gadgets, like a phone and a tablet. Simply add this extra to your policy when building your quote.
- Golf Cover: Get peace of mind knowing that you and your clubs are both covered, and we’ll even cover your Greens Fees if you’re rained out.
How our Travel Insurance for Over 75s works: A simple 3 step quote process
Getting a quote for Travel Insurance for Over 75s couldn’t be simpler. Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
You must declare any medical conditions you have and any medications you and your travel companions are taking here. This way, we can provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
Our experts say…
“Travel Insurance is a must-have for anyone aged over 75. A single hospital trip abroad could cost tens of thousands of pounds – so making sure that you’re covered for any unexpected medical costs is vital.”
Patient and helpful
“The patience and help of Katherine in the Cardiff office was amazing. We are going on a special trip soon. We are over 75 with some health issues and want to travel while we can with good insurance. AllClear have provided us with that, and advised us well. We also feel that we have a reasonably priced premium. Thank you.”
– Sally P
– Date of experience: 28 June 2024
97% of customers rate us as Excellent or Great4. Hear what customers have to say about their experience of Over 75s Travel Insurance by AllClear.
What our Customers Say
Frequently asked Questions about Travel Insurance for over 75s
How much does Travel Insurance cost for over 75s?
The cost of your Travel Insurance for Over 75s depends on key details including your age, any declared medical conditions, your destination, and how long you’re travelling for. Optional extras such as cruise cover, gadget protection or golf insurance will also affect the final price, giving you a policy tailored to your trip.
How can over 75s get cheaper Travel Insurance?
Travel Insurance for Over 75s is influenced by a number of factors, including your age, medical history, destination, and trip duration. Countries like the USA, where healthcare is costly, typically lead to higher premiums.
To help reduce the cost of your premium, you could:
- Choose a destination with lower medical costs
- Shorten the length of your trip
- Increase your excess (the amount you pay towards a claim)
However, while it’s tempting to choose the cheapest policy, always check what’s included. A lower premium may offer limited protection — for example, valuables might only be covered up to £50. If you’re travelling with gadgets, medical needs, or planning a cruise, it’s worth investing in comprehensive cover tailored to your needs.
Does the cost of Travel Insurance increase at age 75?
Yes, travel insurance premiums typically rise once you reach age 75. As we age, the chances of needing medical treatment while abroad increase, which makes insurance more costly. This trend applies across the board, not just with specialist providers. At AllClear, we offset this by offering tailored cover with no upper age limit and options that let you customise your policy to match your needs and budget.
Do over 75s need Travel Insurance?
Absolutely. The UK Government advises all travellers to take out appropriate Travel Insurance before leaving the country. For those aged over 75, the risk of medical emergencies abroad is significantly higher, making insurance essential. Without it, you could face thousands in unexpected medical costs. Our policies provide tailored protection, giving you the confidence to travel safely at any age.
Do I need Travel Insurance for Over 75s if I have a GHIC?
Yes, you still need Travel Insurance, even if you have a GHIC. The UK Government recommends that everyone takes out Travel Insurance before leaving the country.
It’s important to note that while the GHIC may cover you for any unexpected medical costs, such as emergency treatment and visits to A&E or treatment for long-term or pre-existing medical conditions, it does not cover anything outside of that. For example, it will not cover the cost of transport to or from the hospital, or anything outside of medical emergencies, such as lost luggage or cancelled accommodation.
The GHIC is only valid within Europe, so if you are travelling further afield, it will not help with medical costs.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on remembering everything you need when travelling to one of the destinations below.
Which activities do you have planned?
Whether you’re planning a family holiday or setting sail on a cruise, remember to add extra cover to your policy for a worry-free trip.
1 Based on completed quotes between January 2023 – December 2023.
2 Providing you have purchased a policy that includes cancellation cover.
3 Based on 4358 responses. AllClear Annual Survey, February 2024.
4 Based on 134,571 Trustpilot responses, correct as of 17/04/2024.
