What is over 70s Travel Insurance?
Travel Insurance for the over 70s is a type of policy that is tailored to the needs of older travellers, especially if you have pre-existing medical conditions, such as heart problems, cancer or diabetes. As we age, the risks associated with travelling can increase, making it even more important to have comprehensive cover.
It offers peace of mind both during your trip and in the lead-up to your departure. Retirement is a wonderful opportunity to explore the world, but making sure you have the right insurance means you can travel with confidence.
There’s never been a better time to see the world. With comprehensive Travel Insurance for over 70s, you can do just that.
Why choose AllClear for over 70s Travel Insurance?
We believe your age shouldn’t hold you back from travelling. That’s why we offer Travel Insurance that’s designed specifically with the over 70s in mind, giving you the freedom to explore the world with peace of mind.
While some insurance providers cap their policies at 75 or 80, our policies have no upper age limit. This means you can continue exploring the world well into your 80s, 90s, and beyond. Your passport doesn’t expire at 70, and neither do your travel plans.
We understand that life doesn’t stop at 70. In fact, for many this is when the real adventures begin. With more time to explore and the wisdom that comes with experience, you deserve Travel Insurance that matches your enthusiasm for discovery.
Our cover includes essential benefits to protect you before and during your trip. Here’s what you can expect with AllClear Travel Insurance, depending on the level of cover you choose:
- No upper age limit on our cover
- Cover for over 1,300 pre-existing medical conditions
- A 24/7 UK-based medical emergency helpline
- Up to unlimited emergency medical expenses and repatriation
- Cancellation cover of up to £25,000
With AllClear, you’re not just buying a policy – you’re travelling with the UK’s most trusted Travel Insurance provider†, rated ‘Excellent’ or ‘Great’ by 98% of customers1. We’ve helped over 3.5 million travellers explore the world with the right Travel Insurance for their needs.
What does over 70s Travel Insurance cover?
We specialise in cover for senior travellers with pre-existing medical conditions, so you can travel with confidence. This cover includes emergency medical expenses, cover for cancellation and baggage cover. For full details of what is included, please see our Policy Wording.
What’s covered?
- Emergency 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: 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 cutting your trip short: 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: You need to declare all medical conditions as defined in the medical warranty.
- 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: 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
Choose the right level of cover
Compare the policy benefits below, or for more information and complete cover details, please check your Policy Wording.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | 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.
Travel Insurance for over 70s with medical conditions
Travelling in your 70s often means managing one or more pre-existing medical conditions, and that’s completely normal.
We believe pre-existing conditions shouldn’t stop you from travelling. But going uninsured can be incredibly risky and costly. That’s why it’s vital to declare all your medical conditions when you get a quote. This helps us tailor your cover and ensures you’re protected if something happens while you’re away.
Below are some of the most common medical conditions we cover for over 70s:
Should you declare your pre-existing medical conditions?
When applying for Travel Insurance with a medical condition, you need to declare all medical conditions that fall within the medical warranty. If you fail to declare pre-existing conditions and then need emergency medical treatment related to that condition, your policy will likely be invalidated.
When you go through the medical screening, you’ll be asked questions about the medical conditions you declare, to accurately determine what cover you need.
Our experts say…
Think about your hotel room carefully. It might not just be a place to sleep—it could be where you need to rest and recover. Consider whether the room is spacious enough for mobility aids, quiet for rest, and has amenities like room service or a TV to make your stay more comfortable. Check if the window is accessible if you need to stay in, and confirm there are enough plugs for your devices and mobility aids. A comfortable room can significantly improve your experience, especially if you need to spend extra time resting.
Dr Shani Dhanda – Disability Inclusion & Accessibility Consultant
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.
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:
- UK Travel Insurance provides cover for your UK trips for baggage and cancellation. However, we do not cover medical treatment in the UK
- European Travel Insurance will cover you on trips to European countries, as well as Egypt, Morocco and Tunisia.
- Worldwide Travel Insurance provides essential cover across the globe. You can also choose whether to exclude the USA, Canada and the Caribbean
Our commitment to transparency: how to help your claim go smoothly
Do:
- Check FCDO travel advice for your destination
- Disclose every medical condition that fits within the medical warranty, during your medical screening
- Contact our 24/7 medical assistance team before receiving any medical treatment abroad
- Keep all receipts and obtain police reports for any stolen items
- Follow any ongoing treatment plans prescribed by your UK doctor
Don’t:
- Assume minor conditions don’t need declaring
- Delay contacting us if you need emergency medical help abroad
- Travel if you’re unfit to do so or against medical advice
Our 24/7 English speaking helpline is staffed by experienced professionals who understand the unique needs of older travellers.
What optional extras can you add to over 70s holiday insurance?
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Cruise Cover – Cruise Travel Insurance provides essential protection for all aspects of your cruise. This includes onboard medical emergencies, 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, so it’s crucial to have cover in place for any unexpected issues.
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Golf Cover – Looking to enjoy some sporting activities while you’re away? Our optional sports and activity cover includes pastimes like golfing. This way, you can focus on your swing without worrying about mishaps or equipment damage.
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Gadget Cover – We also offer cover for your electronics, including smartphones, tablets, and laptops, so you can travel knowing your valuable tech is protected.
Do you need 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.
Having a Global Health Insurance Card (GHIC) for European travel gives you access to state-provided healthcare in the EU in the event of a medical emergency.
You can apply for a GHIC for free on the NHS website.
However, the GHIC is not a substitute for Travel Insurance. It will not cover you for repatriation back to the UK if you are ill or injured. It will also not cover complications relating to a pre-existing medical condition.
Additionally, GHIC will not cover you for lost luggage, passports, documents, travel delays or personal liability.
How our Travel Insurance 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.
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.
Pre-travel checklist for over 70s
Before buying your policy:
- Gather details of all your medical conditions that fit within the medical warranty. Know if you are taking medication you are taking for particular conditions (you won’t need to know the names of medicines)
- Have your destination and travel dates (if known) to hand
- Consider whether you need any optional extras like cruise or winter sports cover
Before you travel:
- Store emergency contact numbers in your phone and carry paper copies
- Consider a letter from your GP listing your conditions and medications
- Pack extra medication in your hand luggage
- Make sure your GHIC is up to date for European travel
- Double-check your policy documents and emergency contact numbers
Essential documents to carry:
- Your Travel Insurance policy certificate and emergency contact numbers
- Valid passport with at least 6 months remaining
- GHIC for European travel
- Any specialist medical equipment letters if required
Remember, preparation is key to a stress-free holiday. Taking these steps before you travel can save time and worry if you need to make a claim.
Q: What are your top tips for flying when over 70, especially if you have any mobility issues?
Double-check your seating arrangements. If you need extra legroom, a seat near the restroom, or space for your mobility aid, confirm these details with the airline well in advance. Accessible seats are often limited, so securing one early will help ensure you’re as comfortable as possible during the flight. These simple steps can make a big difference in your overall comfort and ease while travelling.
Dr Shani Dhanda – Disability Inclusion & Accessibility Consultant
What our Customers Say
Best online service I found in my…
“Best online service I found in my search for cover for (many) pre-existing health conditions and over 70’s.”
Frequently Asked Questions on Over 70s Travel Insurance
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, it’s essential to declare all pre-existing medical conditions, even those that seem minor or are well-managed with medication. If a condition isn’t disclosed and you need treatment for it abroad, your policy may not cover the costs.
For example, needing an air ambulance back to the UK from the USA could cost between £80,000 and £100,000. That’s a hefty bill to face without the right cover.
Being upfront during the medical screening ensures your policy is accurate and valid, giving you full protection throughout your journey. It’s always better to be safe than sorry.
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.
What factors affect the cost of over 70s Travel Insurance?
It’s not just your age and medical history that can influence the cost of your over 70s Travel Insurance. A range of other factors also play a part, so it’s important to understand what affects your premium when choosing the right policy.
Here’s what can impact the price:
- Your age and medical history – The older you are and the more medical conditions you declare, the higher the likelihood of needing to claim, which can affect your premium.
- Trip duration and destination – Longer holidays and travel to countries with expensive healthcare (like the USA or Caribbean) usually increase the cost.
- Planned activities – If you’re going skiing, golfing, or on a cruise, you may need extra protection that adds to your premium.
- Personal belongings – Taking high-value items? Adding Gadget Cover or higher baggage protection may slightly raise the cost.
- Optional extras – Features like Waiting List Cover or Excess Waiver offer added peace of mind but come at an additional cost.
Can someone else join your Travel Insurance policy if they're under 70?
Yes, absolutely. You can add people of any age to your over 70s Travel Insurance policy, even if they’re under 70.
Whether you’re travelling with a partner, family member or friend, it’s simple to add them to your policy. Just ask about our Group Travel Insurance or chat with a member of our friendly UK-based team, who’ll guide you through the process.
Is emergency prescription medication covered by AllClear?
If you run out of prescription medication because you were unable to return home as planned, we’ll cover the costs of additional medication. If you lose your medication while away,
we’ll cover the cost of replacing it.
What is an excess?
Your excess is the first amount you pay towards any claim. For example, if you have a £75 excess and make a £200 claim, we’ll pay £125. Higher excesses typically mean lower premiums, giving you more control over your costs.
What happens if you need to cancel you holiday due to a medical reason?
If you need to cancel due to an unexpected medical emergency or injury (to you or a close relative), your cancellation cover may be able to cover your costs. This is why it’s important to buy your policy as soon as you book your trip.
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
