What is over 70s travel insurance?

Travel insurance for those over 70 gives you the peace of mind and protection you need while travelling, so you can focus on enjoying your adventure. Whether you’re planning to explore new destinations or revisit beloved spots, having the right travel insurance allows you to discover the world with confidence.

For many, one of the biggest challenges when seeking travel insurance for over 70s is the concern about medical conditions. As we age, we may have pre-existing health conditions that could affect the cost and level of cover. However, with Asda Money these conditions are often covered.

Another important consideration is the availability of policies that cover cruises and other specialised travel needs. Cruises are a popular choice for older travellers, but they often require extra cover due to the unique nature of the trip. Travel insurance for over 70s can be adapted to provide coverage for cruise holidays, ensuring you're protected in case of emergencies while at sea.

Can over 70s get travel insurance?

At Asda Money, our policies have no upper age limit. So, whether you're buying a single trip policy or an annual multi-trip policy, we'll be able to cover you no matter your age.

We will consider any pre-existing medical conditions you declare when you take out your policy as well. You’ll need to complete a quick medical screening and there may be an extra fee to cover your condition.

Don't forget to keep us updated if your health changes to make sure you remain fully covered (an additional charge may be needed to cover the new condition).

Advantages of over 70s travel insurance

With Asda Money, travel insurance for those over 70 has many advantages, including:

• Policies tailored for you: Travel insurance for over 70s covers the unique needs of older travellers. Whether you have pre-existing medical conditions or just want peace of mind, this type of policy ensures you're protected, so you can focus on enjoying your trip.
  
  
• Worry-free travel: Travel insurance can help with unexpected medical costs, hospital stays, or even emergency repatriation, meaning you can relax and enjoy your holiday without worrying about "what ifs".
  
  
• The freedom to explore: Why limit yourself? With the right cover, you can travel wherever your heart desires, from a European city break to a once-in-a-lifetime adventure further afield.

Compare over 70s travel insurance with Asda Money

Asda offers three levels of travel insurance: Value, Premium, and Superior, so you can pick the cover that suits your trip (and your budget) best.

Value – Great Cover at a Great Price

This level covers medical emergencies, cancellations, and lost baggage – giving you peace of mind while you soak up the sights. For travellers over 70, plans can sometimes change– whether it’s due to health reasons or unforeseen circumstances – and our Value option will also protect you for up to £1,000 per person for cancelling or cutting short your trip or holiday. Value is perfect for short getaways or relaxed trips where you just want the basics covered.

Premium – A Little Extra for Added Confidence

Need a bit more protection? Premium includes everything from the Value policy, plus higher cover limits and extra benefits. This level is great if you’re heading further afield to tick off that bucket list or want extra reassurance for medical costs and cancellations.

Superior – Maximum Cover for Total Peace of Mind

Superior offers the highest cover limits, including medical emergencies, lost belongings, and trip disruptions. It’s ideal for longer stays, adventurous itineraries, or if you just want to travel knowing you’re fully covered, whatever happens.

How much does travel insurance for over 70s cost?

The cost of travel insurance for seniors can vary depending on a few key factors, but the good news is that there are options to suit different budgets and travel needs.

Whether you’re off on a short European city break or heading further afield for a big adventure, Asda Money offers flexible cover to keep you protected without overspending.

What Affects the Price?

A few things can influence how much you’ll pay for your policy, including:

• Your age: Generally, the older you are, the more cover you may need, which can affect the price.
  
  
• Where you’re travelling: A trip to Europe will usually cost less to insure than a long-haul getaway to the USA or Australia, where medical costs are higher.
  
  
• Trip duration: Longer trips may mean a slightly higher premium since there’s more time for unexpected events to happen.
  
  
• Medical conditions: If you have pre-existing conditions, you can still get cover, but it may impact the price depending on the condition and destination.
  
  
• Level of cover: Choosing between Value, Premium, and Superior policies lets you balance affordability with the level of protection you need.

Getting the best value for money

It’s always worth comparing policies to find the right balance of cover and cost. Our Value, Premium, and Superior plans offer different levels of protection, so you can pick the one that suits your trip – and your budget – best.

How to reduce the cost of travel insurance for over 70s

Choose an annual policy over a single trip policy –annual travel insurance for over 70s may work out cheaper if you are planning on taking three or more trips in the next 12 months.

Consider whether you need unexpected cover or not – travel insurance policies sometimes provide cover for unexpected events, such as natural disasters or wars. Consider if this is something you want your policy to include.

Increase your excess – this can make your policy cheaper. However, keep in mind that if you make a claim on your policy, you will have to pay more.

How long can I travel if I’m over 70?

As long as you like! Our single trip policies can cover one holiday of up to 365 days, just let us know your travel dates and we'll give you a quote. With an annual multi-trip policy, you can travel as many times as you like during the year, as long as no individual trip is over 35 days on a Value policy, 45 days on a Premium policy or 55 days if you've chosen a Superior policy.

Does travel insurance go up after age 75?

Some insurers might turn you down if you’re over 65. Not us; our policies have no upper age limit. You might find that your premiums start to increase around 65, but we'll be able to offer you a policy no matter your age.

Over 70s travel insurance with existing medical conditions

At Asda Money, we provide cover for a wide range of existing medical conditions. Whether you have a heart condition, diabetes, or another health condition, we can help find the right cover for you.

With our easy-to-use service, you’ll get a clear breakdown of your options, and our friendly team is always happy to help if you need a little guidance. Whether it's a quick getaway or a long trip, we've got your travel insurance sorted so you can focus on making the most of your adventure.

What medical conditions do you have to declare for travel insurance?

When taking out a travel insurance policy, you will need to declare all medical conditions you have for them to be covered. If there’s anything that you’re currently being treated for or are taking medication for, then you’ll need to let your provider know.

You'll also need to inform them if you have any changes to your health after taking out the policy while still being covered.

A medical condition can be any kind of illness, disability, or injury that you are suffering from at the time of taking out your travel insurance policy, for example, diabetes or asthma. It can also mean chronic conditions you may have recovered from but could still potentially cause complications, such as cancer or high blood pressure.  

Any pre-existing medical conditions you don’t declare won’t be covered by your insurance. So, if anything were to happen abroad because of that condition then you wouldn’t be able to claim for any relevant costs.

Cruise travel insurance for over 70s

At Asda Money, we offer travel insurance for cruise holidays as an optional extra for all our policies which can cover you for:

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

What does over 70s travel insurance cover?

At Asda Money, our travel insurance for over 70s covers a wide range of situations, so you can feel confident that you’re protected from the moment you book your holiday.

It’s always a great idea to get your travel insurance as early as possible. That way, you’re fully covered if something unexpected comes up, and you need to cancel your trip.

Trip cancellation reasons we cover typically include:

• Illness or injury: If you or a close family member falls ill or gets injured before your trip, you’ll be covered for medical care.
  
  
• Redundancy: Losing your job can be stressful, but if it happens before your trip, your insurance will help you cancel and recover some of the costs.
  
  
• Bereavement: If you experience the loss of a loved one, we’ll support you in cancelling your holiday.
  
  
• Natural disasters: If the place you’re planning to travel to is hit by a natural disaster like a hurricane or earthquake, your insurance will cover you to cancel or rearrange your trip.
  
  
• Damage to your home or theft/burglary: If something happens to your home, like a burst pipe or a break-in right before your trip, you can claim for cancellation to sort things out at home.
  
  
• Jury duty or court appearance: If you're called for jury duty or a court appearance during your trip, we’ll help you cancel and rearrange your holiday.
  
  
• Military redeployment: If you’re in the armed forces and get redeployed, you can rest assured that you’ll be covered if you need to cancel your trip.

Where can I go with over 70s travel insurance?

With over 70s travel insurance, you can go almost anywhere you like. However, it’s important to know how to choose the right travel insurance policy based on where you’re travelling to.

Europe – If you’re travelling to Europe, you may find that most insurance providers offer a Europe- specific insurance policy that keeps you covered when travelling to any country in the EU. European travel insurance can often be cheaper than worldwide insurance, so if you’re not planning to go anywhere outside the EU, this policy may be best for you.

Worldwide – Worldwide travel insurance covers you anywhere in the world. There are two categories of worldwide cover – one that includes the USA, Canada and the Caribbean and one that excludes these areas. Be sure to pick the policy that covers you for where you are planning to go.

UK – Yes, you can get cover for any holiday or vacation you take in the UK. If you’re looking for a little getaway closer to home, you may consider UK-specific travel insurance.