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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.

Our AllClear branded policies include Superior2 rated Covid cover for peace of mind.

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.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
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

Planning and protecting your holiday abroad

Things to know before you go:
  • Remember to check the latest travel advice from the FCDO for your destination. You will have no cover if you choose to travel against FCDO advice, unless that advice relates specifically to Covid-19 (check our Covid FAQs  for more details)
  • Check any entry requirements and quarantine requirements for your chosen destination
  • Choose a Travel Insurance policy that includes Covid-19 Cover
  • For information on how Covid might affect your trip, visit our dedicated FAQs page

Elderly Travel Insurance with Covid cover

The number of Britons planning an overseas summer holiday has almost doubled since this time last year, rising from 34% to 64%4. Europe is proving to be a popular choice for many travellers. Forbes reports that travel to Europe will soar by an eye-popping 600%. Here’s what to expect this summer if you visit Europe. Seniors are driving the market. 46% of over 65-year-olds are planning a holiday abroad this summer, up from 33% last year4.

At least 1 in 4 (25%5) of retirement age are hoping to travel more than they did pre-pandemic. While we’re all delighted lockdown is in the past, Travel Insurance with Covid Cover is still essential. Our Seniors Travel Insurance includes Superior2 rated Covid cover to help you travel safely worldwide.

Senior Travel Insurance UK is also worth considering to protect against cancellation costs when taking a staycation. For any Covid related scenario-based questions, visit our Covid FAQs.

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: 4 December 2023

* With a purchase of an AllClear branded policy, you’ll automatically enter the £500 prize draw. Plus, you’ll get 20% off the base price of your policy. Discount does not apply to any premium generated to cover medical conditions and optional extras. This offer cannot be used in conjunction with any other offer. Offer ends at 23:59 on 4/12/23. T&Cs apply


2 Covid cover rated Superior by a leading Independent UK Consumer Champion.

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

^£6.68 per month for a 65 year old with no medical choosing an AllClear Gold annual multi-trip policy to Europe. Price is correct as of 01/12/23.