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Home » Travel insurance » Over 65’s Travel Insurance

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Over 65 Holiday Insurance

Aged 65 or over and have a pre-existing medical condition? Over 65’s Travel Insurance will cover you for unexpected medical bills when you’re on holiday and cancellation costs before you go. You’ll have the reassurance you need to make the most of your retirement years by travelling worldwide with the right level of cover.

If you’re 65 or older, it’s time that you travel with the UK’s most trusted Travel Insurance provider1. Our Superior2 rated Covid cover is included for FREE with all of our AllClear branded policies so that you can travel with confidence.

Over 65s Travel Insurance with medical conditions

More than 1 in 2 (58%3) of those we surveyed aged 66-70 have two or more medical conditions. At AllClear, we believe that everyone should have the opportunity to travel, no matter their medical conditions or age.

As a Specialist Medical Travel Insurance provider, AllClear has helped 3 million+ travellers. We have also covered over 1300 different conditions. If you’re looking for over 65s travel insurance with medical conditions, we can help!

When buying over 65s travel insurance, it’s important to declare all pre-existing medical conditions. This includes;

  • Any illness or injury you’ve had treatments for surgery and or symptoms
  • Any medical appointments or investigations for in the last five years.

Examples of pre-existing medical conditions include:

To declare your pre-existing medical conditions, call our specialist experts to help guide you or complete our medical screening process online.

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

Travel insurance with Covid cover

For your peace of mind, we offer Travel insurance with Covid cover. Our AllClear branded policies include Superior2 rated Covid cover for FREE, helping you travel safely.

Should you still get over 65 Travel Insurance if you have a GHIC card?

If you’re travelling to destinations within Europe, having a Global Health Insurance Card (GHIC) may be helpful. To request a GHIC online, visit the NHS website.

Although the GHIC can cover various levels of emergency medical care, it is not a replacement or substitute for Travel Insurance. To avoid large, unexpected medical bills – you’ll need comprehensive Travel Insurance.

Cruise Travel Insurance for over 65s

More than 1 in 5 (21%4) of those we surveyed aged 66-70 are hoping to get away four or more times in 2022. If you’re looking for a way to make the most of your travel opportunities, why not consider a cruise holiday? After all, it’s a great way to visit several destinations in one incredible trip!

If you do set sail, you’ll need Cruise Travel Insurance. Cruise specific cover offers standard cover plus extra benefits, including cover for;

  • Missed port departure
  • Cabin confinement
  • Itinerary change
  • Unused excursions
  • Cruise interruption

Optional extras

When you’re 65 and older, you have more time to enjoy the activities you may not have previously had time for. At AllClear, we have an extensive range of optional extras to help you tailor your over 65’s travel insurance policy, including;

Did you know that 97%5 of our customers rate us as ‘Excellent’ or ‘Great’

When looking for Travel Insurance for…

“When looking for travel insurance for the over 65’s, this site seems to offer good value. Website is easy to navigate, and there are numerous options to tailor what you might want to include, depending on the type of holiday you are taking…”-Steve

Read AllClear Trustpilot Reviews

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

Which Travel Insurance is recommended for over 65s?

We would recommend the type of policy depending on the type of holiday you’re planning and how often you plan to travel.

An Annual Multi-trip Travel Insurance policy is often best if you enjoy frequent travel. If you’re planning on multiple trips throughout the year, this type of policy can be better value.

Single trip Travel Insurance is best if you are only looking at one trip for the whole year.

Cruise Travel Insurance is recommended if you’re planning a cruise. This type of policy includes standard benefits and cruise specific benefits.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Covid cover rated Superior by a leading Independent UK Consumer Champion in 2021.

3 Based on AllClear’s Annual Survey, January 2022. 608 participants aged 66-70.

4 Based on AllClear’s Annual Survey, January 2022. 577 participants aged 66-70.

5 From 73,000+ Trustpilot reviews.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.