Do You Need Over 65’s Travel Insurance?
The over 65’s holiday insurance will give you the freedom to travel the world with confidence. That’s why we provide 24-hour emergency medical assistance, wherever you are, whatever your age.
Maybe you’re looking to enjoy retirement with extra special trips? We let you compare comprehensive policies with up to five-figure cover for cancellation, offer luggage protection, payment for travel delays and much more.
AllClear has been the experts in specialist cover since 2000, discover why we’re rated the UK’s No.1 Travel Insurance Provider today.*
Why Over 3 Million Have Trusted AllClear
“I bought travel insurance for my elderly parents in February 2020 with excellent guidance. Unfortunately, with the current COVID-19 issues I needed help/guidance to get them back home safely… I was helped by a lovely, calm and friendly lady called Julia. She spent the time understanding my needs and frustrations and answered all my queries appropriately…
She is a credit to your company… Thank you.”
We’re pleased we could help Nilli’s family when they really needed us. Could we help you?
97% of customers rate AllClear as Excellent or Great.
Read AllClear Trustpilot Reviews
Key Benefits of Our Over 65’s Travel Insurance
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £25,000.
- Personal Belongings covered up to £3,000.
- All medical conditions. All ages.
Call our UK Call Centre for free and speak with expert consultants, or compare prices online to find the right over 65’s travel insurance – all in a matter of minutes!
What Else Can We Offer?
Part of the world's largest 24/7 medical assistance network and repatriation where necessary to your Home Country
Cover for baggage and possessions including your money, passports and travel documents in case they are lost, damaged or stolen while you are travelling. We can also cover more expensive gadgets (up to 7) such as mobile phones and tablets with a special add-on that provides up to £3,000 of cover
Cover for a variety activities free of charge on AllClear Gold, Gold Plus and Platinum- including jet-skiing, horse riding, scuba diving (up to 30 meters deep), safari and gorilla trekking, cycling, and, if you fancy it, even camel riding!
The adventures don’t stop when you’re over 65 – tailor your policy to suit your needs…
Our optional extras are there to enhance your cover for a variety of areas and activities. They range from Winter Sports cover to Golf Cover. Upgrade your cover to ensure you have the level and quality you require!
Do You Have to Declare All Your Medical Conditions?
Irrespective of age, it’s vital that you declare all your pre-existing conditions when getting your quote. Otherwise, your policy may be invalid in the event of a claim.
Did you know a UK holidaymaker needs emergency medical treatment abroad every 3 minutes?
You can get cover for all of your medical conditions through our simple 3 step medical screening process. We have covered over 1,300 different medical conditions!
Over 65’s Travel Insurance Tips
- Buy cover as soon as you book your holiday.
If you put off buying your travel insurance until just before you go, you’re missing out on vital cover should something happen before you go and you need to cancel
- Do not declare medications.
You will only ever need to declare the name of your diagnosed medical condition. The screening questions then may ask further details about your treatment
- Answer your quote questions with information that is accurate at that time, rather than at the point of your holiday.
Compare Multiple Prices in Minutes
- Freephone UK Call Centres or quote online.
Simply provide personal details and information about your trip dates and location
- Enter your pre-existing medical condition details. Follow our easy medical screening process where you enter the names of your conditions and answer specific questions about them
- Compare your quotes.
A variety of policies and prices will be offered for your selection, letting you choose the cover which is right for your trip
Frequently Asked Questions About Travel Insurance for over 65’s
What if you have an undiagnosed condition?
We need to know the name of your medical condition, so if you have an undiagnosed condition, you will need to wait until your GP or consultant has provided you with a diagnosis. We would suggest you refer to your GP or healthcare provider who may be able to help if this is the case. Once you have a diagnosis, we’ll be able to provide you with a quote.
What is single trip travel insurance for over 65's?
If you know you’ll only be travelling once within the year then a single trip policy may well work out to be lower cost. Cover can be arranged for the exact number of days you’ll be travelling and you can choose to add or remove cancellation cover and baggage cover.
You can buy your policy up to 12 months before you’re due to travel with your cancellation cover starting from the day you purchase.
What is annual multi-trip travel insurance for over 65's?
There are certain cover options which could reduce your premium without compromising your cover – choosing annual multi-trip travel insurance is one of them.
For example, if you travel two or more times a year, an annual multi-trip travel insurance for over 65’s is likely to cost less than 2 or three single trip policies.
The maximum trip length varies between providers but will either be 31 days or 45 days. Some insurance providers offer extended trip lengths of up to 60 days – subject to an additional premium.
Annual multi-trip policies can be purchased up to 31 days in advance. However, please note any claims made before your chosen start date will not be covered.
How often can you travel with over 65's annual travel insurance?
With our over 65’s annual multi-trip policies, you can take any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of the cover.
However, there are restrictions on the length of time you can be away for any one trip. You can see the maximum trip duration for each of our providers here.
How can you make sure you are ‘Fit to travel’?
You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit to travel at the time of getting a quote or purchasing a policy.
If you need to make a claim, you may require a letter from your doctor confirming that you were fit to travel at the time you bought your policy.
What if you purchase an over 65's travel policy then your medical conditions change?
If you’ve bought an over 65’s travel policy and you need to amend something to do with your declared medical conditions then simply get in touch at the earliest possible opportunity and we will update your details.
It’s important to let us know any changes before you travel to ensure your policy is the most up to date and you’re still covered.
Over 65s travel insurance and the EHIC
With the European Health Insurance Card (EHIC) you will receive treatment in any of the EU’s 28 states as a local citizen. However, this is based on treatments received in public, not private hospitals.
The EHIC isn’t a substitute for travel insurance. It doesn’t cover you for:
How is the cost of over 65's travel insurance calculated?
The price of your quote is primarily based on the following factors:
- Likelihood of your medical conditions requiring treatment while abroad
- Health care costs in your chosen destination
- The distance of your destination from the UK
- Your age
But you can also choose the level of cover you want on our comparison site, depending on which policy you choose.
Are there any exclusions for over 65's travel insurance?
Winter Sports is available as an Optional Extra but with an age limit of up to 76 years old, depending upon the policy.
Can you get over 65's cover if you're on a waiting list for a treatment?
Yes, just be sure to answer that you are on a waiting list for treatment during the Medical Warranty section of your quote. Plus, if you’d like to be covered for cancelling your holiday due being on a waiting list, simply select Waiting List cover as an optional extra.
Ready to quote?
We’ll help you compare specialist medical travel insurance to find the perfect policy.
Or, you can message us online.
You can also chat with our expert consultants via Live Chat
*Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 500 reviews in the last 12 months as of December 2019