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

What is Seniors Travel Insurance – and do you need it?

Seniors Travel Insurance is a type of travel insurance built around the needs of those who are later in life. This means if anything happens while you’re away, like an emergency trip to the doctor, a slip or fall, you’ll be covered and there’s no need to dip into your retirement fund.

Travelling can become more complicated as we get older, but it doesn’t have to. However, it’s important to be covered with the right kind of protection before you head off.

What does AllClear’s Seniors Travel Insurance cover?

  • What’s covered?

    • Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK.
    • Cancellation and curtailment – 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 departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight.
    • 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 think holiday insurance should be available to as many people as possible, that’s why our Seniors Travel Insurance policies have no upper age limit.
  • What’s not covered?

    • Other regions – Your Seniors Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy at any time. 
    • Undeclared medical conditions – We only provide medical cover for medical emergencies where you’ve declared your pre-existing conditions and paid any additional premium needed to cover them.
    • Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
    • Winter sports for over 65s – While most of our policy options cover all ages, we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding.

We tailor all our travel policies to your specific requirements, which is why we have three different levels of policy available: gold, gold plus, and platinum.




Gold Plus


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 older people with pre-existing medical conditions

As a specialist medical Travel Insurance provider, we can cover over 1,300 different conditions. This means we can help you find a policy tailored to your specific needs, even if you have a pre-existing health condition. 

When choosing your policy, you just need to declare your medical conditions via our medical screening process. This can be done online or over the phone.

Here are a few examples of pre-existing medical conditions we cover.

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 if you need to make a claim. 

 Find the best Seniors Travel Insurance for your trip

Your age shouldn’t stop you from travelling how you want to, and neither should your Travel Insurance policy. That’s why we tailor all our policies around specific holiday types. So what will you be doing on your trip?

  • Taking a couple of trips this year? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year. 
  • Hopping on a cruise? We’ve got you covered, with Cruise Insurance that protects you against things like cabin confinement, missed departures and even unused excursions. 
  • Big family holiday? Our Family Travel Insurance is what you’re looking for. One policy for the entire family means less hassle and less paperwork. 
  • Planning a staycation? Our UK Travel Insurance means you’re still covered for things like missed departures or cancelled accommodation.
  • Heading off for a once-in-a-lifetime getaway? Our Worldwide Travel Insurance covers you no matter where you end up.

How our Travel Insurance for Seniors works: A simple 3 step quote process

Securing Travel Insurance For Seniors is made easy with AllClear. Simply complete our quick 3-step screening process to receive your quote.

Here’s how it works.

1. Get a quote online or by phone

Once you are ready to start the quote process, the first step is to provide your personal details and information about your travel plans. This can be completed over the phone with one of our team members or online.

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you or your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get  your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Letitia Smith

“Your age shouldn’t be a barrier to travelling, which is why our policies have no upper age limit and they can be tailored to your specific holiday, whether that’s cruising, hiking, or simply laying by the pool.”

Letitia Smith – Travel Insurance expert

What our customers say

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.

If you’re booking with us, you’re in good hands. Here’s what our other customers had to say.

What our Customers Say

Frequently asked questions on Seniors Travel Insurance

What makes AllClear the best Travel Insurance for Seniors?

There are a few reasons that our Travel Insurance For Seniors policies are the best. Seniors are more likely to have pre-existing medical conditions, with 54% of people aged over 65 having two or more conditions according to NIHR. Luckily, we’re a specialist medical provider, and we cover more than 1300 conditions, from heart conditions to strokes to diabetes

Unlike other Travel Insurance providers, our policies have no upper age limit, because we believe that anyone, of any age, should be able to go on holiday. So whether you’re 50 or 90, we’ve got a Travel Insurance policy that’s right for you. 

Lastly, we like to take care of our customers, with our round-the-clock customer support that’s rated as ‘Excellent’ on Trustpilot. We also include Superior-rated1 Covid cover as standard.

How much does Travel Insurance cost for UK seniors?

There is no standard cost for Travel Insurance For Seniors, as this is dependent on several different factors. For example, it will be affected by your age, whether you have any pre-existing conditions, where you’re going, and whether or not you need any additional extras, such as cruise cover. All of this means a different cost for each policy.

Why is Travel Insurance more expensive for Senior Citizens?

Unfortunately, Travel Insurance becomes more expensive as we get older because there is an increased risk of claims when older people travel. Travel insurance providers consider senior citizens more at risk of needing medical treatment while they’re away. This is normal with all travel insurance policies.

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

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

Life Insurance will not cover you in the event of a delayed flight or lost luggage, so having the relevant Travel Insurance is incredibly important for any trips that you take.

Does Senior Travel Insurance cover Covid?

Yes, our Senior Travel Insurance includes Superior-rated1 Covid cover as standard to help you travel safely anywhere in the world. 

This means that you’re covered if:

  • You’re diagnosed with Covid within 14 days of your planned departure date and have a positive test result to show. 
  • You need to end your trip early and return home due to hospitalisation or death of an immediate relative, as a result of them having contracted Coronavirus.
  • You’ve contracted Coronavirus and you need medical treatment.
  • You have to extend your trip due to either contracting Coronavirus or being quarantined.

Please note, AllClear policies will only provide cover if you are up to date with Coronavirus vaccinations as recommended by the UK NHS (if in doubt please check with your medical practitioner), or you were medically unable to have the vaccinations as evidenced by your medical records. For any other Covid-related scenario-based questions, visit our Covid FAQs.

Do you still need travel insurance if you have a GHIC card?

Yes, you still need to get travel insurance even if you have a GHIC card. Although the GHIC will cover your medical expenses in the event of an emergency, it will not cover things like transport to or from the hospital. The GHIC also doesn’t cover any other holiday mishaps, such as lost luggage, delays or cancellations. The UK Government recommends that you always get travel insurance with medical cover, no matter what country you are visiting.

You want to travel with your family, friends or support. 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?

It depends on your needs and whether or not you’ll be travelling abroad more than once a year. If you are, then Annual Multi-Trip Policies will typically work out cheaper, and they’ll be less hassle too. There’s less paperwork to worry about, and you only need to get one insurance quote at the start of the year.

Is your medication covered if it is lost or stolen?

Yes, our Travel Insurance For Seniors will cover your medication if it’s lost or stolen. That way, you’ll never be without the medication you need, even if you’re abroad. 

If you’re going to a country where English isn’t widely spoken, it is a good idea to write down the name of your medication in both English and the predominant language, in case of an emergency. It may be known under a different name in some countries, or the same brand name may be used for a different drug.

Are there any age limits on getting cover?

We do not have upper age limits on our travel insurance policies. The only exception is that we do not cover anyone over the age of 65 for winter sports.

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. For this to be valid, the person who needs to go home early has to be named on your Travel Insurance policy.

Get the most out of your trips with our helpful guides

Where are you visiting?

Prepare yourself for your best trip yet with our helpful travel guides for the following destinations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra cover to your policy for a worry-free trip

1 Covid cover rated Superior by a leading independent UK Consumer Champion.

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 24 June 2024

* Discount applies to the base premium of an AllClear Travel Insurance policy and does not apply to any premium generated to cover medical conditions or optional extras. This discount cannot be used in conjunction with any other offer. Ends 23:59 on 02/09/2024. T&Cs apply.


† 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.