Travel Insurance for Over 65s

Over 65s Travel Insurance offers tailored protection for older travellers, with specialist cover for pre-existing medical conditions, trip cancellations, lost baggage and more. 

Unlike some other Travel Insurance providers, our Travel Insurance policies have no upper age limit, so if you’re aged over 65 and looking for quality cover, we can help.

We can cover all pre-existing medical conditions, so if you have a medical problem or flare up of an existing condition while you’re away,  you’ll be insured for up to unlimited costs for emergency medical treatment. Plus, if you have a serious illness before you travel, you’ll be covered for the cost of cancellation too, up to £25,000.

As we age, the risks while travelling can increase, making comprehensive Travel Insurance more important than ever.

Why is it essential?

• • 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 as high as £100K for some AllClear claims in 2025, Travel Insurance is essential to ensure you won’t face expensive bills.
  • Older adults (over 65) are statistically more likely to have pre-existing medical conditions. According to our partners AgeUK, 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, you’ll know you’re protected.
  • Emergency assistance: With our 24/7 english-speaking emergency assistance services, if issues arise, you know that support is just a phone call away.

Even the best-planned holidays can go off course. With over 65s Travel Insurance from AllClear, you’re protected from medical bills, cancellations, and other common travel disruptions, so you can travel  peace of mind.

Why choose AllClear for over 65s Travel Insurance?

Turning 65 can affect the cover available from some Travel Insurance providers. At AllClear, your age is only one part of the picture. We consider your medical history, destination and travel plans to help you find a policy suited to your circumstances.

• Keep travelling without an upper age limit: Our policies are available to travellers of any age
• Declare your conditions in one medical screening: We can consider more than 1,300 pre-existing medical conditions and tailor your quote accordingly
• Choose the protection that suits your trip: Gold, Gold Plus and Platinum offer different limits for medical expenses, cancellation and personal belongings
• Get help during a medical emergency: Our emergency assistance team is available 24 hours a day while you’re away
• Rely on specialist experience: We’ve helped cover more than 3.5 million travellers since 2000

Your policy will only cover medical conditions you declare and that we accept in writing. Always check your Policy Wording for full terms and exclusions.

Choose the right level of cover

Compare our Gold, Gold Plus and Platinum policies to find the level of cover that suits your needs and budget. Cheap over 65s Travel Insurance may cost less upfront, but check the medical, cancellation and baggage limits, along with the excess and optional cover available.

Compare the benefits and choose a policy that reflects the cost of your holiday, the belongings you’re taking and the level of medical cover you want.

AllClear vs. standard policies: a comparison

Not all travel insurance is the same

Here’s why specialist cover makes all the difference for travellers over 65:

AllClear specialist cover:

• No upper age limit
• Specialist medical screening for complex conditions 
• Tailored extras such as optional waiting list cover (available as an add-on and subject to specific terms, conditions and exclusions)
• 24/7 UK-based medical helpline

Standard Travel Insurance

• May have age limits that may restrict cover for older travellers
• May exclude medical conditions
• May offer less specialist support for complex medical needs

The choice isn’t just about price – it’s about ensuring you have the right protection when you need it most.

How long can you travel with over 65s Travel Insurance?

The length of time you can be covered depends on the policy you select, your age and where you’re going. Single Trip policies are intended for one holiday, while Annual Multi-Trip cover allows you to take several trips during a 12-month period.

With Annual Multi-Trip Travel Insurance, you can spend up to 183 days away across all your holidays during the policy year. Limits also apply to the length of each individual trip, with different maximums for some destinations once you’re aged 71 or over.

Your personal trip limit will be confirmed when you get a quote and shown in your policy documents. Check that it covers your full holiday before you book.

We believe everyone should have the right to travel – no matter their age or health history. That’s why our over 65s Travel Insurance covers over 1,300 pre-existing medical conditions, including those that other insurers may exclude. As a Specialist Medical Travel Insurance provider, AllClear has helped over 3.5 million travellers stay protected wherever they go.

Pre-existing medical conditions we regularly cover include:

• Heart Conditions – We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation. We’ll also provide cover if you have a pacemaker.
• Respiratory problems – This includes conditions that are linked with, or cause breathing difficulties, like asthma and COPD. 
• Chronic illnesses – Nearly 95% of adults 60 and older are living with at least one chronic condition. We cover issues like Crohn’s disease, cancer, gallstones and other long-lasting concerns.
• Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems, osteoarthritis and osteoporosis.
• Neurological conditions – Disorders affecting the brain and nervous system, including strokes, epilepsy and multiple sclerosis.

Our medical screening process is quick and simple, and can be done online or over the phone. Just declare your health conditions when you get a quote to make sure your policy offers the right level of protection.

Find a full list of medical conditions here

What medical information do you need to declare?

Tell us about any pre-existing medical conditions that fall within the medical warranty when you get your quote. This includes conditions for which, during the last two years, you’ve taken prescribed medication or received treatment or medical advice at a hospital, clinic, GP surgery or through a remote consultation.

You must also tell us if:

• You’re on a waiting list that could cause you to cancel or cut short your trip
• You’ve received or been offered palliative care
• You’ve been advised that you have a terminal illness

We’ll ask some questions about the conditions you declare so we can assess your circumstances and confirm the cover available. If you leave out relevant medical information, a related claim may not be covered.

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.

Choose a policy that fits your plans:

• 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^⇞. 
• 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.

You can also customise your policy with optional extras, such as Gadget Cover for your phone or tablet, and Golf Cover to protect your clubs and cover green fees while abroad.

From UK staycations to long-haul escapes, our over 65s Travel Insurance is available for a wide range of destinations – with no upper age limit and flexible regional options.

Choose cover for your destination:

• 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, including Spain, France, Italy, Portugal, Greece and Cyprus.
• Worldwide – The world is your oyster with Worldwide cover. You can choose to include or exclude the USA, Canada and the Caribbean.

Not sure which region your destination falls into? Give us a call, and we’ll help you choose the right option.

Tailor your over 65s holiday insurance with optional extras

Your destination is only one part of your trip. The activities you have planned and the belongings you’re taking can also affect the cover you need. AllClear offers several optional extras for travellers over 65:

• Cruise Cover adds benefits designed for holidays at sea, such as cabin confinement, itinerary changes, missed ports and unused excursions. It’s available as an upgrade with Gold Plus and included with Platinum
• Gadget Cover can protect eligible phones, tablets, laptops and other devices against specified loss, theft or accidental damage
• Golf Cover provides extra protection for eligible golf equipment and certain costs caused by disruption to your golfing holiday
• Natural Disaster Cover may cover certain unrecoverable travel or accommodation costs if an unforeseen natural event disrupts your trip
• Excess Waiver means you won’t need to pay the usual excess towards eligible claims covered by the option

Is a GHIC enough for travellers over 65?

A Global Health Insurance Card (GHIC) gives UK residents access to medically necessary state healthcare in the EEA and certain other countries. Care is provided on the same basis as it is to local residents, so you may still need to pay towards treatment.

A GHIC is useful, but it doesn’t replace over 65s Travel Insurance. It won’t cover private healthcare, medical repatriation to the UK or non-medical problems such as cancellation, lost baggage and travel delays.

Suitable Travel Insurance can provide wider protection for eligible emergency medical costs and declared pre-existing conditions. For greater protection, take your GHIC alongside your Travel Insurance documents and check both are valid before you travel.

Travel emergencies don’t follow office hours. That’s why our 24/7 medical emergency helpline is staffed by English-speaking specialists based in the UK, 365 days a year.

One phone call connects you to our medical assistance team who can liaise directly with hospitals, arrange payment for treatment, and organise repatriation to the UK if needed.

This service is included with all our policies at no extra cost. When you’re facing a medical emergency abroad, you’ll have expert support to guide you through every step, removing the stress so you can focus on getting better.

Making a claim on your over 65s Travel Insurance

An unexpected illness, delay or loss can be stressful. Taking the right steps at the time can help your claim progress more smoothly.

What you should do

• Contact the emergency assistance team: Call the 24/7 helpline as soon as possible if you need hospital treatment, medical repatriation or other urgent medical support abroad
• Inform the relevant provider: Report delayed baggage or cancelled transport to the airline, and tell the police about stolen belongings. Ask for written evidence
• Keep your paperwork: Save medical reports, receipts, invoices, booking confirmations and any correspondence relating to the incident
• Check your policy: Review the applicable cover limits, excesses and exclusions before paying for non-emergency arrangements
• Submit your claim promptly: Follow the process in your policy documents and provide all the evidence requested

What you should avoid

• Don’t arrange your own medical repatriation without speaking to the emergency assistance team
• Don’t throw away receipts, damaged belongings or other supporting evidence
• Don’t assume an airline, hotel or insurer will automatically provide the documents you need – request them at the time
• Don’t delay reporting theft, loss, illness or travel disruption
• Don’t continue travelling against medical advice, as this could affect your cover

Visit our claims page for guidance on making a claim.

Before you buy your Travel Insurance

• Make a note of your medical conditions, prescribed medication and recent treatment
• Check the dates and destination of your trip
• Include any upcoming medical appointments, tests or procedures during the medical screening
• Consider any optional cover you may need, such as Cruise, Gadget or Golf Cover
• Check that your passport meets the entry requirements for your destination

Before you travel

• Pack enough medication for your trip, plus extra in case you’re delayed
• Keep essential medication in your hand luggage and in its original packaging
• Carry a prescription or doctor’s letter if required
• Save the 24/7 emergency assistance number from your policy documents
• Give a trusted contact at home a copy of your itinerary and policy details
• Check the latest FCDO travel advice for your destination
• Take your GHIC if it’s valid where you’re travelling

With AllClear, you’ll be covered for a number of activities as standard such as cycling, hiking, canoing and camel trekking.

Looking to ski? We also offer a winter sports add-on that covers you for piste closure, and protects you in case your own or your hired equipment is damaged or lost.

But if you’d prefer to relax on your holiday, your comprehensive Travel Insurance will cover that too!

We personalise every quote – so your premium is based on your unique circumstances. While age and pre-existing medical conditions are two important factors, there are a few other things that can affect the cost:

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

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.

Finding Travel Insurance can become more difficult after 65, but we believe your age shouldn’t limit your options. We’ve specialised in cover for older travellers and people with medical conditions for more than 25 years.

It’s why 98%¹ of our customers rate us ‘Excellent’ or ‘Great’.