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Home » Travel insurance » Travel insurance for seniors

Why do I need seniors travel insurance?

Seniors travel insurance covers you if you wish to travel with peace of mind, no matter your age, even if you have pre-existing medical conditions. This type of insurance covers you for medical emergencies, even those related to COVID-19, while abroad, which is vital to prevent unexpected medical bills and unnecessary complications that could arise when you’re away

People are living longer than ever in the UK. A recent study found that senior citizens make up 17.7% of the population, and according to the WHO, by 2050 seniors will outnumber children in the global population.

Of course getting older doesn’t stop you enjoying a holiday, but travelling in your later years does bring new considerations. You’re thinking about where to go, but you also want to make sure that any health concerns are fully covered. You may even have pre-existing medical conditions. If so, AllClear can help, with our comprehensive travel insurance for seniors. We’re the experts in specialist cover for your medical conditions, and this article will guide you on how to find the best policy for your needs.

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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Senior citizen travel insurance: Pre existing medical conditions

Pre-existing medical conditions we have covered include:

AllClear believes that everyone deserves the right to travel. Even if you been diagnosed with a terminal prognosis, we would be happy to offer you a quote.

Things to pay attention to as a senior traveller

A VisitBritain tourism study found common reasons senior citizens choose their holidays. Places with landmarks are important, for example. While others enjoy destinations with fewer crowds. You’ll have your own travel preferences of course, but we’ve put together some of the considerations you should make when planning your holiday

  1. Pre-existing medical conditions

Visit your doctor before your trip, and ask them to confirm exactly what medical conditions are on your record. Doing so will help make sure in the event of a claim your cover is correct and proper.

  1. The length of your holiday

Check the number of days you can travel per trip if you have an annual multi-trip policy. Cover may not apply if you go over the set limit. A single plan offers cover for one shorter trip. An annual plan provides cover for multiple trips. Save money. Choose the policy that is right for your travel needs!

  1. Adding your travel companions

If you’re travelling with spouses, children or grandchildren, read the details of your plan carefully to determine if it fits your family needs. If they have their own travel insurance provider, they are not automatically covered for cancellation or curtailment if something happens to you. We have the optional extra Travelling Companion cover for this circumstance.

  1. Cruise cover

If you are going on a cruise, you may want to consider specialist cruise travel insurance. This insurance should cover extra areas like Missed Port Departure and Cabin Confinement.

Frequently asked questions

Are you covered for cancellation if someone else in your group has to go home early?

Yes, you are covered for cancellation of any other travelling member who is listed on your travel insurance policy.

What if you have life insurance? Do you still need senior citizen travel insurance?

Yes. Life insurance is quite different from travel insurance.  You will need travel insurance to cover you for medical emergencies abroad or any cancellation costs.

You want to travel with your family. Can they join the same policy as you?

Yes. We offer policies to children, teens and adults. You can include them in your quote by selecting the option to quote for a ‘Family’ or ‘Group’ during the quote process. You can even add them on after you buy your policy by contacting our Customer Care Team on 01708 339029.

Should you get a single trip or annual multi-trip policy?

This depends on your travelling plans. A single trip is better if you only plan to go on one holiday in the next 12 months. However an annual multi-trip policy can cover you for any number of trips in the next year and as such can work out cheaper.

Is your medication covered if it is lost or stolen?

Yes, on every single policy.

Are there any age limits on getting cover?

We’re proud to have no upper age limit on offering you a quote, and you’ll only be shown policies that can cover you in full.

There is however an age limit to getting covered for Winter Sports, which is up to the age of 76. 

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.

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