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Travel Insurance » Travel Insurance for seniors » Over 65s Travel Insurance

Over 65s Travel Insurance

Aged 65 or over and have a pre-existing medical condition? Travel Insurance for the Over 65’s 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, choose to travel with the UK’s most trusted Travel Insurance provider 1.

Why do you need Specialist Travel Insurance for Over 65s?

An Over 65s Travel Insurance policy gives you the protection you need to travel with confidence. Many insurance providers offer a standard level of cover, which may not include everything you need. Our specialist cover includes a wide range of pre existing medical conditions, as well as emergency medical treatment, personal belongings, cancellation cover 2, and more. Our tailored cover has no upper age limit and gives you the confidence to travel, no matter your medical history.

Travel Insurance for Over 65s with medical conditions

More than 4 in 5 (84%3) of those we surveyed at least one medical condition. 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 3.5 million+ travellers. We have also covered over 1300 different conditions. If you’re looking for over 65 Travel Insurance with medical conditions, we can help!

When buying Travel Insurance for over 65s, it’s important to declare all pre-existing medical conditions. A pre-existing medical condition is any condition you have;

  • Been diagnosed with in the last two years.

  • Had a follow-up appointment in the last two years.

  • Taken prescribed medication in the last two 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.

How much does Travel Insurance cost for those over 65s?

It’s a fact of getting older that some things, like Travel Insurance, will cost more money. This is because there is a higher risk of claims being needed for older travellers. As such you should expect to pay more for your Travel Insurance once you turn 65.

What influences the price of Travel Insurance for Over 65s?

Your insurance premiums are calculated based on a number of different factors, including your age and any pre-existing medical conditions you have.

  • Pre-existing medical conditions: As your medical cover is based on pre existing conditions, this can impact the cost of cover.

  • Your destination: Some places carry a greater risk of you needing to claim, or simply a more expensive health care system.

  • Activities: While we cover some activities as standard, you will need to pay an additional premium to take part in others.

  • Trip length: The long you’re away, the greater the odds of a claim, and hence, the higher the policy premium.

  • Additional cover: You may want to include extra cover for a special type of holiday, such as a cruise or golfing holiday.

What does Over 65s Travel Insurance cover? 

  • What’s covered:

    • Medical cover: AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.

    • Repatriation: Our Travel Insurance policies also cover for the costs of bringing you home, if medically necessary.

    • Lost luggage: We provide cover for stolen belongings, lost items and damaged valuables.

    • Cancellation cover: You can claim back costs if you are unable to go on your holiday for accepted reasons beyond your control.

    • Travel disruption: If you need alternative transport or accommodation when your travel plans are disrupted, we’re there to help.

  • What’s not covered:

    • Any medical condition you don’t tell us about: We cannot provide cover for health issues you don’t tell us about when you buy your cover.

    • Airline strikes: In the event of these, you would need to contact the airline directly.

    • High-risk activities: Some activities are not covered on our standard policies, but we can include cover for an additional premium.

    • Accidents caused by drink or drugs: You must be responsible for your own safety on holiday, so we cannot consider claims if you are under the influence of drugs or excessive alcohol.

    • Travelling against FCDO advice: No cover is available if you travel against the advice for the FCDO.

    • Disinclination to travel: We do not provide any cover if you are able to travel buy decide not to.

For full details of what is covered, please see our policy documents.

Where can you travel with Over 65s Travel Insurance?

  • UK – Our UK policies cover you while on holiday in the UK. Please note cover for medical expenses does not apply for UK trips.

  • Europe – Get cover for any country in Europe, as well as Egypt, Morocco & Tunisia.

  • Worldwide – The world is your oyster with Worldwide cover. You can choose to include or exclude the USA, Canada and the Caribbean.

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 holiday insurance over 65’s.

Cruise cover for Over 65s

Around 1 in 3 (32.8%4) of those we surveyed aged 60-69 are hoping to get away four or more times in 2023. 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 for the Over 65s Travel Insurance

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;

  • Travelling Companion : Ensure that your travel companion can stay by your side in any eventuality.

  • Waiting List : If you’re on a waiting list and have booked your holiday, upgrade to cover against any cancellation or curtailment that may occur as a result.

  • Golf cover: Enjoy the same benefits with extra cover for green fees and golf equipment.

  • Gadget cover: Protect your most important items for up to up to £3,000.

  • Excess waiver: On some of our policies you can choose to waive the excess and pay nothing in the event of a claim.

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

Great Service, Great Price & Great Policy

Quick efficient service. All done very easily over the phone. Really good value for someone with underlying conditions and over 65.Payment made over the phone and policy emailed to me straight after, just as well as I travel very early tomorrow morning. Have used AllClear for my last couple of holidays and will continue to use them. Great service, great price and all very well explained to you during the telephone call. Well done.

– Mrs Parker

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

Is Travel Insurance more expensive for over 65s?

While our policies have no upper age limits, they do cost more for travellers over 65. This is to cover the increases costs of claims, including prescription medication, emergency medical cover and other factors which impact the costs and likelihood of claims.

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 essential if you’re planning a cruise. This type of policy includes standard benefits and cruise specific benefits.

How often can you travel with over 65's annual Travel Insurance?

An Annual Multi-trip policy, will allow you to take any number of trips during the year, within your chosen region of cover. Our single trip policies can cover a one off trip for up to 365 days.

What if you buy an over 65's Travel Insurance policy then your medical conditions change?

We will be happy to update your details if something has changed with your medical conditions since you bought your over 65s Holiday Insurance. Just get in touch with our Customer Care Team online or over the phone.

Ensure your policy is up-to-date by letting us know of any changes before you travel.

1 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of July 2023.

2 Providing you have purchased a policy which includes cancellation cover.

3 Based on AllClear’s Annual Survey, January 2023. 1,344 participants aged 60-69.

4 Based on AllClear’s Annual Survey, January 2023. 1,388 participants aged 60-69.

5 From 110,000+ Trustpilot reviews.

^£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.

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 4 December 2023

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.