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Home » Travel Insurance for Seniors » Travel Insurance For Over 70s

Our Over 70s Travel Insurance is designed to help you travel confidently. It can provide full medical cover for complete peace of mind.

This includes specialist cover for all pre-existing medical conditions and medical emergencies while abroad, as well as cover for trip cancellations, lost luggage, and other common travel mishaps.

What is Over 70s Travel Insurance – and do you need it?

Over 70s Travel Insurance is a type of policy that offers peace of mind and protection for older travellers during and leading up to your trip. 

With the risk of falls and injury increasing as we get older, there’s a higher chance of needing some medical help while travelling. With our specialised medical cover, you can travel in the knowledge you’re fully protected.

Our Over 70s Travel Insurance:

  • Provides specialist medical cover: As a specialist Medical Travel Insurance provider, we offer tailored Travel Insurance policies to suit you and your needs, no matter your age or medical conditions
  • Is tailored to you: Nearly 95% of adults over 60 are living with at least one chronic condition, which can make finding and buying Travel Insurance more difficult. We’ll help you find a policy tailored to your needs
  • Offers peace of mind: Travelling can be stressful, particularly as you get older. Over 70s Travel Insurance gives you peace of mind, knowing that you’re protected if you have an accident or emergency. You will also have access to our 24/7 helpline should you have a medical emergency your trip

What does AllClear’s Over 70s Travel Insurance cover?

We specialise in cover for over 70s with pre-existing medical conditions, so you can travel with confidence.

  • What’s covered?

    • Medical expenses We can cover emergency medical treatment you need while travelling, including pre-existing medical conditions you’ve declared
    • Medical aids We will protect your essential medical equipment and accessories from loss or damage
    • Medication We’ll help you get a replacement for your vital prescription medication if you lose it during your trip.
    • 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, so you can replace your important items.
    • 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
  • What’s not covered?

    • Undeclared medical conditions – We need to know your full medical history to give you the best cover possible in a medical emergency
    • High-risk activities – These are not covered by our standard policy, but you can add Optional Extras for some activities if you want to
    • Accidents under the influence of drugs or alcohol – While we want you to have fun on your trip, safety is paramount. If you have an accident because of drugs or alcohol, your claim won’t be covered.
    • Missed flights within your control – We understand that sometimes things go wrong, but we can’t cover missed flights that were under your control.
    • Choosing not to travel – We know that plans change from time to time, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details

SWIPE TO COMPARE POLICIES

 

Gold

Gold Plus

Platinum

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 70s with pre-existing medical conditions

It is common to be travelling with pre-existing medical conditions in your 70s. 

In fact, a recent Which? study revealed that over a third (36%) of respondents living with pre-existing conditions struggled to find affordable insurance, with 7% opting to travel uninsured due to high premiums.

The risks of travelling without Over 70s Travel Insurance can be extremely costly. For example, without repatriation cover, you would have to pay air ambulance costs upfront. This can cost anywhere from £12,000 to £18,000 in Europe, to upwards of £50,000 from the USA, Caribbean and South America.

If you’re over 70 and living with a pre-existing medical condition, you must declare them so we can provide you with the most appropriate cover. 

Below are some of the most common medical conditions we cover for over 70s:

  • Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation.
  • Chronic illnesses – Nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer, Crohn’s disease, gallstones and other long-lasting chronic conditions.
  • Respiratory problems – Respiratory conditions include asthma, and COPD, leading to airflow obstruction and breathing difficulties.
  • Neurological conditions – These are disorders affecting the brain and nervous system. This includes strokes, epilepsy and multiple sclerosis.
  • Diabetes – Disruptions in insulin production or usage affecting blood sugar levels, including diabetes.
  • Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis.
  • Mental health – We provide cover for mental health too, including anxiety and depression.

Find the best over 70s Travel Insurance for your trip

AllClear offers many types of Travel Insurance so you can choose one that’s right for your trip. 

Examples include:

  • Single Trip Travel Insurance offers full protection extending for up to 45 days, ensuring peace of mind throughout your journey.
  • Annual Multi-Trip Travel Insurance covers you if you’re planning on taking two or more holidays over 12 months. It may also be more cost-effective than buying Single Trip Travel Insurance for each holiday.
  • Group Travel Insurance covers between two to ten travellers. This makes it a fantastic option if you’re travelling with friends and family.
  • Cruise Travel Insurance provides essential cover for all aspects of your cruise. This includes onboard medical emergencies, cruise cancellations, cabin confinement and lost luggage. Around 30% of UK cruise customers are over 70 years old, with a further 33% between 60 and 69 years old, and it’s important to be covered for any unexpected issues you could face.
  • Looking to enjoy some activities during your travels? Optional Sports and Activity cover is also available for pastimes like golfing. We’ll even cover your electronics with our gadget cover.

Countries covered by over 70s Travel Insurance

We provide Over 70s Travel Insurance for every destination. However, the region of cover you need will depend on where you’re heading.

Here’s what we cover:

How our Travel Insurance for Over 70s works: A simple 3 step quote process

You’ll 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.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have. 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…

“We believe that everyone should be able to travel, and the over 70’s are no exception. There’s an assumption that older people are either unwilling or unable to see the world. Our data shows that this is wrong, and that there are plenty of holidaymakers exploring well into their 70s, and beyond. However, more than any other group, senior travellers need to make sure they have comprehensive cover in place for their trip.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

Our dedication to customer satisfaction has helped us understand our customers. 

With over 123,000 reviews on Trustpilot, it’s easy to see what our over 70s customers think about us.

What our Customers Say

Getting quotes for Travel Insurance… painless!

“Getting quotes for Travel Insurance when you are over 70 and with pre-existing medical conditions can be a painful experience. It, therefore, came as a ray of sunshine to be helped through the process by an incredibly helpful and lucid young woman. No jargon, hard sell or questions that I (doctor) didn’t understand. From start to getting the quote took a fraction of the time with other insurers and was also very competitive. Highly recommended.” – Dr Henderson

Frequently Asked Questions on Over 70s Travel Insurance

Why does Travel Insurance cost more when you turn 70?

Travel Insurance premiums are calculated based on several different factors. These include

  • The destination you’re travelling to
  • The length of your trip
  • The type and severity of your medical conditions
  • Your age
  • The level of benefits being offered to you

Does Travel Insurance have upper age limits?

AllClear Travel Insurance cover has no upper age limit. This means any traveller, regardless of their age, can buy a specialist policy.

Do you need to declare all your medical conditions for over 70s Travel Insurance?

Yes, you must declare all pre-existing medical conditions you have and that are fully within the medical warranty, even if you consider them minor or they are controlled with medication. Not declaring your medical conditions may lead to lack of cover during your trip. This could result in costly expenses if you have an accident while travelling.

For example, if you need an air ambulance from the USA back home, it could cost you between £80,000 – £100,000 without appropriate medical cover.

When should you buy over 70s Travel Insurance?

Financial expert Martin Lewis firmly believes that you should arrange Travel Insurance “ASAB” – “As Soon As you Book” to avoid being out of pocket if a medical condition forces them to cancel a trip.

You can buy your Over 70s Travel Insurance before or after you’ve booked your trip, but it must be before you travel. Additionally, our Single Trip Travel Insurance policies can be bought 12 months before your holiday. As soon as you have secured your policy, the cover begins immediately if you have included the cancellation cover.

Alternatively, our Annual Multi-trip Travel Insurance can be bought up to 31 days before your first trip.

Do you need Over 70s Travel Insurance if you have a GHIC card?

Yes, you will still need Over 70s Travel Insurance even if you have a GHIC (previously EHIC) card. 

While a GHIC card gives you access to healthcare throughout the EU for medically necessary treatment, it will not cover you for repatriation costs (which can be extortionate) or complications relating to a pre-existing medical condition. Additionally, GHIC will not cover you for lost luggage, passports, documents, travel delays or personal liability.

What factors will affect the cost of Over 70s Travel Insurance?

In addition to your age and medical history, trip duration, destination, planned activities, personal items, and optional extras impact may impact the cost of your Over 70s Travel Insurance.

Longer trips and distant destinations often result in higher costs, while specialised cover for activities like golfing may require extra fees. 

It’s important to consider these factors when selecting your policy to make sure you have the right cover in place for your trip.

Can someone else join your Travel Insurance policy if they're under 70?

Yes, you can add someone else to your Over 70s Travel Insurance policy, even if they are under 70. 

You can find out how to add someone to your policy through our Group Travel Insurance cover or by speaking to one of our friendly members of staff.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations:

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



† 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.