Why do you need over 65s travel insurance?
Travel insurance for over 65s covers you for unexpected circumstances while on holiday such as medical emergencies, even if they are Covid-19 related or you have pre-existing medical conditions. This provides support if you have a medical problem, you do not need to worry about unexpected medical bills and can travel with peace of mind.
Unlike other providers, our specialist over 65s travel insurance covers all medical conditions. Over 99% of customers get covered with us1.
If anything happens while you’re travelling we provide 24-hour emergency medical assistance.
“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?
Read AllClear Trustpilot Reviews
- Cancellation and Curtailment covered up to £25,000, including for Covid-19
- Up to £15 million emergency medical expenses cover, including for Covid-19
- Up to 30 days FREE extended cover (if due to unexpected circumstances beyond your control)
- Up to £2,000, if medically necessary, for a friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 (costs for room and to accompany you home)
- Repatriation costs, when medically necessary, to bring you back to the UK where it is deemed to be in your best interests
- Following recovery from Coronavirus, costs for a continued recuperation stay, when medically necessary and under doctors advice
- Costs for your return flight following your enforced stay due to Coronavirus
- Personal Belongings covered up to £3,000
- All conditions. All ages.
Frequently asked questions about travel insurance for over 65s
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 65s?
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 65s?
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 65s 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 can I make sure I'm ‘fit to travel’?
You won’t need to provide us with a doctors certificate, but you will need to confirm you’re fit to travel.
Should you need to make a claim, you may require a letter from your doctor. This letter would need to confirm that you were fit to travel at the time you bought your policy.
What if you purchase a policy then your medical conditions change?
If you need to amend anything related to your declared medical conditions then simply get in touch with us. We’ll ensure we update your details promptly.
Let us know any changes before you travel to ensure your policy still has you covered.
Over 65s travel insurance and the EHIC
With an European Health Insurance Card (EHIC) you can receive treatment in any of the EU’s 28 states as a local citizen. Though, this is based on treatments received in public and not private hospitals.
Remember, the EHIC isn’t a substitute for travel insurance.
An EHIC, won’t cover you for:
How are is the price calculated for over 65s?
The price of your quote is fundamentally based on the following factors:
- Probability of your medical conditions requiring treatment while abroad
- Health care expenses in your chosen destination
- The distance of your destination from the UK
- Your age
Are there any exclusions for over 65s 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 cover if you're on a waiting list for a treatment?
Yes, you can get cover. You’ll need to tell us that you are on a waiting list for treatment during the Medical Warranty section of your quote. If you’d like to be covered for cancelling your holiday due being on a waiting list, you can select Waiting List cover as an optional extra.
*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
1Based on quotes between August 2017 and July 2018.
2100% is based on non-assistance claims approved for payment during January 2019 to January 2020 on AllClear branded policies only.