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

What is Over 65s Travel Insurance – and do you need it?

Over 65s Travel Insurance is a specific type of Travel Insurance that caters to the needs of older travellers. This includes specialist cover for pre-existing medical conditions, baggage loss, cancellation and more, providing financial protection if you face any mishaps on your trip.

It’s a fact of getting older that some things, like Travel Insurance, come in handy. This is because there is a higher risk of claims being needed for older travellers. Just some of the reasons Travel Insurance is essential for over 65s include:

    • One in two people aged over 60 will have a fall at least once a year, according to the NHS.  If you have a fall while travelling, our Travel Insurance will cover your costs. With air ambulance prices reaching between £10,000 to upwards of £50,000, Travel Insurance is essential to ensure you won’t face expensive bills.
    • Over half (54%) of older people have at least two chronic conditions. We cover over 1,300 different medical conditions. If unexpected issues arise on your trip as a result of these conditions, we’ll make sure you’re protected.
    • Emergency assistance for peace of mind: With our 24/7 emergency assistance services, if issues arise, you can rest assured that help and support are just a phone call away.

Unexpected events can disrupt even the most carefully planned trip. Comprehensive over 65s Travel Insurance means you’ll be covered, allowing you to travel with confidence.

What does AllClear’s over 65s Travel Insurance cover?

  • What’s covered?

    • Medical cover AllClear policies include emergency medical cover, including for existing conditions you have. This includes prescription medication and medical equipment.
    • 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. If you miss your flight, you’ll also be covered for accommodation and transport costs.
    • 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 Travel Insurance should be available to as many people as possible, that’s why our Travel Insurance for Over 65’s has no upper age limit.
  • What’s not covered?

    • Deciding not to travel – We do not provide any cover if you can travel but choose not to.
    • Other regions – Your Over 65’s 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. 
    • Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
    • 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
    • Winter sports – 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 Over 65s with pre-existing 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 3.5 million+ travellers. We can cover over 1,300 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, whether that’s for you or anyone else who is going to be covered by this policy. We define a pre-existing medical condition as any condition you have:

  • Been to a hospital, clinic, or GP surgery to have medical treatment diagnosed or advised within the last two years. This also applies to remote consultations, either on the phone or through an app.
  • Been placed on a waiting list which might mean you’ll have to miss or cut short your trip
  • Been advised you have a terminal illness.

Examples of pre-existing medical conditions we cover include:

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

Find the best Over 65s Travel Insurance for your trip

The type of Travel Insurance you need will change slightly depending on your trip. That might mean optional extras, like valuable cover for your golf clubs, being protected against cruise cabin confinement or even cover for the whole family.

  • Taking one holiday this year? Our Single Trip Travel Insurance will cover you for a single trip of up to 365 consecutive days. 
  • Getting out to see the world? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year. 
  • Planning a staycation? Our UK Travel Insurance covers you against cancelled accommodation or any other holiday mishaps. 
  • Going 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.
  • Taking the grandkids away? Our Family Travel Insurance can cover the entire family (up to 10 people), in a single policy. Less hassle, less paperwork, more time having fun.
  • Heading off for a once-in-a-lifetime getaway? Our Worldwide Travel Insurance covers you no matter where you end up.

Countries covered by our Over 65s Travel Insurance?

Your age shouldn’t limit where you visit, which is why we provide Over 65s Travel Insurance for almost any country you’d want to visit. Our Travel Insurance is grouped by region.

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

How our Travel Insurance For Over 65s works: A simple 3 step quote process

Getting Over 65s Travel Insurance is made easy with AllClear. Simply complete our quick 3-step screening process to get 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

Next, you need to declare any medical conditions you have and any medications you or your travel companions are taking. 

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

3. Get your quote

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

Letitia Smith

“Age shouldn’t be a barrier to exploration and adventure, and many people enjoy travel well into their 60s, 70s, and older. However, comprehensive Travel Insurance is important, so make sure you have yours in place before you set off. We’ll cover you for a wide range of unexpected challenges, so you can travel with confidence.”

Letitia Smith – Travel Insurance expert

What our customers say

It can be difficult to find an insurance provider if you’re over 65, but we don’t think that’s fair. We have over 20 years of experience as specialists covering older travellers. 

Did you know that 97%2 of our customers rate us as ‘Excellent’ or ‘Great’? Here’s what our customers had to say about us.

What our Customers Say

Frequently Asked Questions on Over 65s Travel Insurance

Is Travel Insurance more expensive when you turn 65?

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.

Which Travel Insurance is recommended for over 65s?

The type of policy you need will depend on your personal needs. If you’re doing one trip this year, Single Trip Travel Insurance will be fine. If you’re doing more than one, why not try Annual Multi-Trip Travel Insurance? All our policies have no upper age limit and come with Covid cover as standard, for peace of mind.

There are some optional extras that you might want to consider. These include:

  • 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.

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

How often you can travel will depend on the type of policy you have:

  • If you’ve got our Single Trip Insurance, it will cover a one-off trip for up to 365 days.
  • With our Annual Multi-Trip Travel Insurance, the maximum length you can be covered while abroad is 45 days. It will allow you to take any number of trips during the year, within your chosen region of cover. If you need to be covered for longer than 45, you can increase to 50 or 55, depending on your policy type.

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

If your medical conditions change after you have bought a policy with us, please let us know. You can do this online or over the phone by calling our Customer Care Team on 01708 339026. Make sure your policy is up-to-date by letting us know of any changes before you travel.

When should you buy Over 65s Travel Insurance?

You should buy Over 65s Travel Insurance as soon as you have booked your trip. That way, you’re less likely to forget to purchase insurance. You’ll also be protected if any issues arise between booking and travelling.  If you’re not in a position to book Travel Insurance right away, make sure you buy at the soonest opportunity so you’re covered for cancellation.

Remember that you need to buy your Travel Insurance before you leave the UK for it to be valid.

Do you need Over 65s Travel Insurance if you have a GHIC card?

You still need Over 65s Travel Insurance, even if you have a GHIC (previously EHIC) card. The GHIC will cover medical expenses in the event of an emergency if you are visiting Europe. However, the GHIC card does not cover any other costs that might be incurred if anything goes awry, such as if your flights are cancelled or you lose your valuables. That’s why having both GHIC and separate Travel Insurance is essential to ensure you’re covered for all eventualities.

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

You need to declare all your medical conditions before you buy your Travel Insurance policy. If you don’t declare all your conditions and something does happen on your trip, you may find that your policy becomes void and you will be liable for any costs.

What factors will affect the cost of over 65s Travel Insurance?

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

Here are a few other things that contribute to your quote premium.

  • Your destination: Some places carry a greater risk of you needing to claim or a more expensive health care system.
  • Activities: While we cover some activities as standard, you’ll need to pay an additional premium to take part in others.
  • Trip length: The longer you’re away, the greater the odds of a claim, and hence, the impact on 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.

Does being over 65 affect how long you can travel on the Travel Insurance policy?

No, your age does not affect how long you can travel on our Travel Insurance policies. 

The length of stay is only dictated by the policy you’ve chosen:

Can you get over 65's cover if you're on a waiting list for treatment?

Yes, you can still get Over 65s Travel Insurance if you’re on a waiting list for a treatment. We recommend getting Waiting List Cover as an optional extra when buying your policy, as this will cover you against any cancellation or curtailment that may occur as a result.

Can someone else join your Travel Insurance policy if they're under 65?

Yes, you can add more people to your Travel Insurance policy, no matter their age. As part of our Group Travel Insurance, we can insure between two to ten people on a single policy. There’s no age limit, but we do need to know if anyone in the group has pre-existing medical conditions. 

If you’ve already got a policy that you want to add people to, simply chat with us online or call us on 01708 339026.

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

We believe that your age shouldn’t limit how often you can travel. With our Travel Insurance for over 65s, you’re able to travel as often as you want if you’ve got Annual Multi-Trip Travel Insurance. This covers you for multiple trips throughout the year,  as long as each trip isn’t longer than 31 consecutive days.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips. They’ll help you remember everything you need when travelling to one of the below destinations.

What activities do you have planned?

Whether you’re planning an adventure holiday or setting sail on a cruise, remember to add the cover you need to your policy for a worry-free trip.

2 – From 120,000+ Trustpilot reviews.

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 8 May 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.