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Home » Travel Insurance for Seniors » Over 60s Travel Insurance

Whether you’re recently retired or seeking some relaxing time away, over 60s Travel Insurance is essential. As a Medical Travel Insurance specialist, we provide tailored medical cover to make sure you’re protected during your travels. 

This policy also covers standard travel mishaps, such as trip cancellation and lost baggage.

What is over 60s Travel Insurance – and do you need it?

Over 60s Travel Insurance is a specific insurance policy designed to provide cover for travellers aged 60 and older. This includes specialist cover for pre-existing medical conditions. 

Here are a few reasons why over 60s Travel Insurance is essential:

  • It provides specialist medical cover tailored to you: Nearly 95% of adults aged 60 and older have at least one chronic condition. That’s why we cover over 1,300 different medical conditions when on your trip. This includes having to cancel or cut your trip short due to existing medical conditions
  • We’ll cover your trip home if needed: If you need an air ambulance back to the UK and don’t have repatriation cover, you could face costs between £10,000 to upwards of £50,000. That’s not even including expenses for medical treatment. We’ll protect you so you’re covered for repatriation
  • It gives you peace of mind: With access to 24/7 emergency assistance services designed for older travellers, you can travel with confidence knowing help and support are just a phone call away.

Having the right policy in place removes the ‘what if’ worries, allowing you to travel with peace of mind.

What does AllClear’s over 60s Travel Insurance cover?

  • What’s covered?

    • Medical expenses We can cover any emergency medical treatment you need while travelling, including if it relates to  pre-existing medical conditions you’ve declared.
    • Medical aids You can travel with confidence because we’ll protect all your important medical equipment and accessories from loss or damage.
    • Medication If you misplace your medication, we will help you get a replacement as soon as possible.
    • Repatriation This covers the cost of emergency medical transport back to the UK.
    • Lost luggage – We will pay out if your baggage is stolen or damaged. This way, you can replace your important items and enjoy your holiday.
    • Cancellation and curtailment – Provides cover if you have to cancel your trip due to an unforeseen emergency or reasons beyond your control.
    • Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted, so you can continue your journey smoothly.
  • What’s not covered?

    • Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy Travel Insurance so we can provide you the right cover. This is especially vital for senior travellers, and those with long-term illness
    • High-risk activities – Some activities are not covered by our standard Travel Insurance. However, extra protection is available for an additional premium
    • Missed departure within your control – While we know that things can go wrong, you won’t be covered if you miss your transport for an issue within your control.
    • Deciding not to travel – We offer cancellation cover for specific reasons, such as illness, injury or bereavement. For full details please see your policy documents.

Find our different products below. We have three to choose from, Gold, Gold Plus and Platinum

If you’d like some help choosing which is best for you, give us a call.




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 over 60s with pre-existing medical conditions

A pre-existing medical condition is any illness or injury you’ve experienced symptoms, treatment, investigations, surgery, or medical appointments for within the last two years. 

Please remember that you must declare all pre-existing conditions on your policy.

Clinical Nurse Specialist, Kay Greveson explains more: “People often do not realise the cost of medical emergencies abroad. It’s natural that people believe it won’t happen to them, but even the most well-managed conditions need to be covered, in case the unexpected happens.”

So far, we have covered 1,300 different medical conditions., the most common include:

Declaring your medical conditions is easy. You can do this online or with one of our trained professionals over the phone.

Find the best over 60s Travel Insurance for your trip

We know that flexibility is an important factor during the planning stage of a holiday. The good news? Our policies are tailored to your exact needs and preferences so you can find the best Travel Insurance to suit your needs.

There are a few types of cover available to travellers over 60:

  • Single Trip Travel Insurance is perfect if you’re only planning to travel once over 12 months. They offer holiday cover for your destination of choice for trips of up to 365 days
  • Annual Multi Trip Travel Insurance works well if you’re travelling more than once within 12 months. It’s usually more cost-effective than buying repeat Single Trip policies, too
  • Family Travel Insurance is ideal if you’re going away with the kids or family. You can cover everyone under one policy so that everyone has the same level of protection when you travel. Plus, you won’t need to worry about sorting out cover from different providers if you need to claim
  • Cruise Travel Insurance is extremely popular with over 60s travellers, with 33% of UK cruise customers being aged between 60-69. Cruise cover offers protection specific to your cruise, including onboard medical emergencies, cruise interruptions and cancellations, cabin confinement and lost luggage

We also offer optional extras for additional cover on your trip. For example, our Gadget cover insures your electronic devices, our Golf Insurance protects your golf equipment, and our Winter Sports Insurance covers skiing equipment, piste closure and more for the under-65s.

Countries covered by our Over 60s Travel Insurance

What better way to enjoy your retirement years than by exploring new places? We provide a range of policies to keep you covered no matter where you’re travelling.

How our Travel Insurance For Over 60s works: A simple 3 step quote process

To make sure you get  the best Travel Insurance for your trip away, you will first need to complete our quick and simple 3-step screening process.

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

Here, you need to declare any medical conditions you have and any medications you and 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

Our experts say…

“What better way to embrace your golden years than with a passport in hand? We want travellers of all ages to enjoy exploring the world, whatever your holiday style and even if you have medical conditions. But travelling isn’t without its risks, which is where we can help. We can support you in safeguarding your adventures with our comprehensive over 60s Travel Insurance, so you can focus on making the most of this exciting chapter in your life.” 

Letitia Smith MSc, Travel Insurance expert

What our customers say

With over 123,000 reviews on Trustpilot, it’s easy to see what our customers think about us.

What our Customers Say

AllClear - Excellent

“Excellent- quick, efficient and felt valued. Paul was very polite and patient with all queries. Offered good value for those over 60 with pre-existing medical conditions” – Abraham.

Frequently Asked Questions on Over 60s Travel Insurance

Does Travel Insurance cost more when you turn 60?

The cost of travel Insurance usually increases with age, because older people tend to have more health problems and accidents that could lead to claims. Therefore, premiums rise to cover the higher risk.

Does Travel Insurance have upper age limits?

Our policies have no upper age limit. 

However, the cost of your policy will depend on a number of factors, including your age, medical conditions, your chosen level of cover and destination. It’s also worth noting that we won’t be able to cover travellers over 65 for Winter Sports.

What does Travel Insurance for Over 60s cover?

This policy covers emergency medical treatment abroad and up to £25K for trip cancellations.

Additionally, you’re also covered for travel disruptions and delays, and insured against lost, damaged, or stolen baggage and personal belongings.

When should you buy Over 60s Travel Insurance?

As with any policy, you can get your over 60 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. Martin Lewis  says that the best time to buy your Travel Insurance is as soon as you book your trip. 

This way, you’re covered if you  become ill or if a medical condition forces you to cancel or delay your trip.

Do you need Over 60s Travel Insurance if you have a GHIC card?

Yes, it is essential you have Over 60s Travel Insurance, even with a GHIC (previously EHIC) card.

GHIC only provides limited cover for emergency medical treatment within the European Economic Area (EEA) and Switzerland. You won’t be covered for other issues like luggage loss, travel delays or cancellations.

Do you need to declare all your medical conditions for Travel Insurance?

When buying Over 60s Travel Insurance, you must declare any pre-existing medical condition you may have. If you choose not to declare all of your conditions, your cover could be declined.

You can declare your medical conditions and get comprehensive cover in minutes. This can be completed via our online quote process or by calling one of our trained professionals.

What factors will affect the cost of Over 60s Travel Insurance?

The cost of your Travel Insurance is determined by a number of factors including your age, medical history, destination, duration of the trip and level of cover.

Does being over 60 affect how long you can travel on the Travel Insurance policy?

Over 60 Holiday Insurance covers you while you’re in your 60s. However, AllClear branded policies have no maximum age limit. You can travel With AllClear at any age with our Seniors Travel Insurance.

Does the Over 60's Travel Insurance cover include repatriation?

Yes, you’ll be covered for costs if you need to return to the UK when you buy our Over 60s Holiday Insurance. Cover for repatriation back to the UK also extends to any other travelling member listed on your policy.

Can you get over 60's cover if you're on a waiting list for treatment?

Yes, be sure to say that you are on a waiting list for treatment during the Medical Warranty section of your quote.

Plus, if you’d like to be covered for cancelling your holiday due to being on the waiting list, add Waiting List cover as an optional extra.

Can someone else join your Travel Insurance policy if they're under 60?

Of course! Being on the same policy as a friend or family member also has many great benefits. 

For example, if you’ve opted for cancellation cover in your policy, all of you can benefit from it if needed.

How often can you travel with Travel Insurance for over 60s?

Travel Insurance for over 60s can be bought as an Annual Multi-trip Travel Insurance policy, allowing you to take multiple trips throughout the year. 

Instead of specifying your exact destinations, you choose your preferred region of cover, so you can:

  • Travel for up to 365 days on a Single Trip Travel Insurance policy
  • Enjoy up to 45 days per trip on standard annual multi-trip policies, with the option to extend your stay up to 55 days. The maximum trip duration may vary between Annual Multi-Trip policies

Refer to your policy wording for more information.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our travel guides to help you plan your trip, discover new locations and make the most out of your travels.

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.

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 12 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.