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Travel insurance for pensioners

As we get older, it becomes more important to take out comprehensive medical travel insurance to suit our needs when planning to travel abroad.

As a pensioner, you may still want to travel to the places you love or explore new places for the first time. We believe everyone deserves the right to travel no matter what their age is.

Some insurance providers won’t offer insurance for pensioners, but we have no age limits on our AllClear Gold and AllClear Gold Plus policies.

Travelling uninsured could mean large bills should you need medical treatment while abroad so the risk is just not worth taking.

Benefits of AllClear Cover

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
Recuperation stay
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 pensioners with medical conditions

It’s inevitable that with age come more medical conditions. These can also make getting travel insurance more difficult and some companies won’t offer cover at all.

AllClear is the specialist in medical travel insurance and has covered 1,300 medical conditions since we started out in 2000. We are often able to cover you if you’ve had difficulty elsewhere.

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.

How easy is it to find pensioners’ holiday insurance?

AllClear is the number one provider of specialist medical travel insurance, and we’re even recommended by the British Insurance Brokers’ Association as their medical travel scheme provider.

We also work with a handful of other specialist providers in our comparison site, providing real choice to each customer.

Our medical screening process takes into consideration any pre-existing conditions you may have and will ask questions to determine their severity. Once you’ve filled in all your details, you’ll be shown quotes from providers who are able to offer you cover. Simply choose the provider which meets your needs and you’re ready to go.

Factors that can affect the cost of your travel insurance policy

There are many factors which determine the cost of your travel insurance policy.

Any medical conditions you have, your age, your chosen destination and the trip duration are all analysed through our competitive rate for risk programme when your premium is calculated. Your final premium will be based on these.


For example, your destination will be taken into account because of the differing health care systems in place across different countries. Some countries will place tourists in private hospitals resulting in much higher costs, in this case, having travel insurance can reduce your risk of having to pay out thousands, should you need medical attention while abroad.

Trip duration

Your trip duration is taken into account when you’re obtaining your quote because the longer you’re travelling for the more likely you are to make a claim.

Age and medical conditions

As we get older, we inevitably get more medical conditions and ailments we may not have had when we were younger. To ensure you get the level of cover you need, these factors are taken into consideration. If you fail to declare any medical conditions, you may not be covered for them should you need to make a claim. This could leave you with extortionate bills to pay or mean that you lose out on your holiday should you need to cancel because of your medical conditions.

What AllClear can offer

AllClear believes everyone deserves the right to travel and can offer travel insurance for pensioners. Whether you have medical conditions or have simply been refused cover elsewhere due to your age, AllClear could help you get the travel cover to suit your needs.

We offer single trip policies or annual multi-trip policies. If you know you’re only travelling once within 12 months, a single trip travel insurance policy could be the more cost-effective option. If you have 2 or more trips planned or think you’re likely to be travelling again within 12 months, an annual multi-trip policy could save you money and time.

We’re proud to have a 5 star rating on Trustpilot

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Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 7 June 2021

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.