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Home » Travel insurance » Over 75s Travel Insurance

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Why do you need Holiday Insurance over 75

Travel Insurance for the over 75 is there to protect travellers just like you against unexpected medical emergencies while away and cancellation costs before you go. This gives you peace of mind so you can enjoy your trip.

At AllClear, our Superior2 rated Covid cover is included for FREE with all of our AllClear branded policies.

Travel Insurance for over 75s with medical conditions

More than 6 in 10 (61%3) of those we surveyed, aged 71-75, have two or more medical conditions. However, Travel Insurance for over 75 with medical conditions can be difficult to find.

As a specialist Medical Travel Insurance provider, we believe everyone deserves the opportunity to travel. We offer Travel Insurance that can be tailored to suit you and your medical needs.

What’s a pre-existing medical condition?

A pre-existing medical condition is any diagnosis you’ve had in the last five years or any condition you have taken medication for. It’s important to declare all pre-existing medical conditions before you travel. This will ensure you have the right level of cover based on your circumstances.

Some examples of pre-existing medical conditions we’ve covered are:

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
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

Planning and protecting your holiday abroad

Things to know before you go:
  • Remember to check the latest travel advice from the FCDO for your destination. You will have no cover if you choose to travel against FCDO advice, unless that advice relates specifically to Covid-19 (check our Covid FAQs  for more details)
  • Check any entry requirements and quarantine requirements for your chosen destination
  • Choose a Travel Insurance policy that includes Covid-19 Cover
  • For information on how Covid might affect your trip, visit our dedicated FAQs page

Travel Insurance with Covid cover

Holiday Insurance for over 75s should include Covid Cover to

AllClear, include Superior2 rated Covid cover for FREE with all of our AllClear branded policies so you can plan your holiday with confidence.

Visit our Coronavirus Travel Insurance page for more information.

Travel Insurance for a cruise

Cruising at any age is an exciting way to see the world. From riverboat cruises to luxury international cruises, you’re sure to ensure a holiday of a lifetime.

However, the cover offered by a standard over 75 Travel Insurance policy won’t protect you against cruise specific issues.

AllClear Travel Insurance for a cruise offers you all the benefits included with a standard policy plus additional cruise specific benefits that are tailored for specific problems that may arise on a cruise holiday, including;

  • Missed port departure
  • Cabin confinement
  • Itinerary change
  • Unused excursions
  • Cruise interruption

Flexible Holiday Insurance for the over 75s

Our AllClear Medical Travel Insurance policies can be designed to meet your specific needs. As well as cover for medical emergencies and cancellations, we also offer extras to enhance your policy.

Travel Disruption – can cover you for unforeseen natural and civil events such as weather disruption or civil unrest.

Gadget Cover – if you want to ensure your electronic devices, add Gadget Cover to your policy.

Travel Companion – can insure people in your travelling party against holiday cancellations resulting from one of your medical conditions.

Golf Cover – If you’re playing golf on holiday, then AllClear can offer golf cover to protect your equipment and other aspects of your golf holiday.

GHIC cover for over 75s

The Global Health Insurance Card (GHIC) is valid in the 27 countries within the EU. The GHIC is not a substitute for Over 75 Travel Insurance as it doesn’t provide cover for all circumstances such as repatriation.

Repatriation without Insurance in place can leave you with an extensive bill. See typical costs for Repatriation from Popular European destinations to the UK below.

  • Spain to UK £18,000
  • France to UK £12,000
  • Germany to UK £12,000

To protect yourself and your trip, you’ll need comprehensive Over 75 Travel Insurance.

Join the 3 Million+ travellers we’ve helped cover

97%4 of customers rate us as Excellent or Great. Hear what customers have to say about their experience of Over 75s Travel Insurance by AllClear:

Excellent personal service

“Finding good value travel insurance for a couple between 75 and 85 with pre-existing medical conditions is made easy by All Clear. Lorraine, my advisor, was outstanding. She was patient, extremely clear and answered all my questions. She ensured I had the appropriate cover, and very user-friendly. “- AllClear Customer.

Read AllClear Trustpilot Reviews

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 for over 75’s Medical Travel Insurance

Should you get a Single Trip or Annual Multi-trip policy?

Single trip Travel Insurance is a policy that covers you for a one-off trip on selected dates. It has the great benefit of allowing you to travel for longer: up to 365 days in one trip!

If you’re planning on getting away a few times in the next 12 months, buying an Annual Multi-trip Travel Insurance policy can provide more value.

You will need to check the maximum trip duration for each trip. For example, you can travel up to 45 days per trip on AllClear Gold and Gold Plus annual multi-trip cover. And you can even pay a little more to get an extension for up to 55 days!

How much does Travel Insurance cost for those over 75s?

Several different factors are taken into account when calculating your insurance premium. Your age and any pre-existing medical conditions you have will affect the price. So will the country you are going to and the duration you plan to be there for. In addition, the cost will include any extras that you add to your policy.

What do over 75s need to do to prepare for your trip?

Check the FCDO to ensure your chosen destination is safe to travel to. The FCDO will also detail any entry requirements and vaccinations you may need before you go.

Check with your doctor to confirm the precautions you should take and that you’re fit-to-fly. Your GP will also be able to ensure you have enough medication to take with you on your trip.

Make sure you buy comprehensive Travel Insurance for the over 75 that includes covid cover before travelling.

Pack in advance to help reduce last-minute stress. To help make sure you travel with everything you need, you can download our FREE holiday packing checklist.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear

Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Covid cover rated Superior by a leading Independent UK Consumer Champion.

3 Based on AllClear’s Annual Survey January 2022. Participants aged 76-80, 343.

4 From 73,000+ Trustpilot reviews.



[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.