from £16.62 per month in December 2023^
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 with all of our AllClear branded policies.
More than 6 in 10 (61%3) of those we surveyed, aged 71-75, have two or more medical conditions. However, over 75 Travel Insurance with medical conditions can be difficult to find. As a specialist provider, we believe everyone deserves the opportunity to travel. We offer Travel Insurance over 75s that can be tailored to suit you and your medical needs.
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:
High Blood Pressure
The cost of Travel Insurance increases as you age, because older travellers are more likely to need assistance or make a claim. But what else affects the premium of your policy?
Health problems: Insurance for over 75s includes emergency medical cover and costs for any existing medical condition or medication.
Repatriation: You’ll be covered for the costs to bring you home if it is medically needed.
Cancellation cover: Protect yourself if you have to cancel due to an unforeseen emergency or reasons beyond your control.
Lost luggage: We’ll cover your items against loss, damage or theft, while you’re on holiday.
Travel disruption: We’ll help you to cover alternative transport or accommodation if your travel plans are affected by events out of your control.
Undeclared medical conditions: We cannot provide cover for health problems which are not declared during the medical screening.
Airline Strikes: You will need to contact the airline directly in the event of a strike.
Travelling against FCDO advice: We do not provide cover if you go against the travel advice of the FCDO.
Choosing not to travel: No cover exists if you decided not to travel without a valid reason.
Flights missed due to your own error: Sometimes things go wrong, but we can’t cover you if you miss your transport because of mistakes that you made.
For full details please see your policy wording.
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
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 optional 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.
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.
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:
“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
Absolutely! An Over 75s Travel Insurance policy includes cover for pre existing medical conditions, accidental damage, cancellation cover and much more. So you can have peace of mind on your holiday.
AllClear policies have no upper age limit, so you can still see the world with our Over 75s Travel Insurance. However, please note that we do not offer cover for winter sports for travellers over 65.
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!
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 premium will include any extras that you add to your policy.
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.
2 Covid cover rated Superior by a leading Independent UK Consumer Champion.
3 Based on AllClear’s Annual Survey January 2023. 3,901 responses
4 From 110,000+ Trustpilot reviews.
^£16.62 per month for a 75 year old with no medical choosing an AllClear Gold annual multi-trip policy to Europe. Price is correct as at 01/12/23.
Written by: Letitia Smith | Travel Insurance ExpertLast Updated: 4 December 2023
3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.
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