What is travel insurance for over 60s and what does it cover?

While Asda Money doesn’t offer a separate travel insurance policy specifically for over 60s, we do provide cover for travellers over 60 as part of our standard policies.

Travel insurance for older travellers typically includes protection for medical expenses, cancelled or delayed travel plans, lost belongings, and emergency repatriation.

As with any age group, pre-existing medical conditions may impact the cost or availability of cover, so it’s important to disclose any known conditions when applying.

Common features of travel insurance for over 60s may include:

• Medical expenses abroad
• Cover for damaged, lost or stolen belongings
• Cancellation and delay cover
• Emergency repatriation to the UK

Why do I need over 60s travel insurance?

No matter your age, having the right travel insurance helps to protect you while you’re away. For travellers over 60, it’s especially important to choose a policy that suits your individual needs, including cover for any pre-existing medical conditions, and your chosen destination.

Medical expenses abroad can be costly, especially in countries like the USA^[1] or the Caribbean^[2] where private healthcare can be expensive. A comprehensive travel insurance policy can give you peace of mind, knowing that you’re covered in case of illness, injury, or unexpected issues during your trip.

With Asda Money, you can easily compare travel insurance options for over 60s to find the right level of cover for you.

[1] https://www.statista.com/chart/8658/health-spending-per-capita/

[2] https://www.itij.com/latest/long-read/treatment-and-evacuation-options-caribbean

Is travel insurance more expensive for over 60s?

Travel insurance can become more expensive as you get older. This is often due to an increased likelihood of needing medical treatment while abroad, as well as the need to cover any pre-existing medical conditions.

Some insurers also impose age limits on their policies – often around 65 – but at Asda Money, we don’t set an upper age limit, so you can get the cover you need, no matter your age.

While it’s true that premiums may be higher, that doesn’t mean you can’t find cheap travel insurance for over 60s. At Asda Money, we make it easier to compare a range of cover options, so you can find the best over 60s travel insurance policy that meets your needs at a cost that suits you.

How much does travel insurance for over 60s cost?

The cost of travel insurance for over 60s varies depending on several personal and trip-related factors. Just like with any age group, your premium will be based on your health, travel plans, and the level of cover you choose.

Through Asda Money, quotes for single trip travel insurance for over 60s starts from £16.49*.

 *price accurate as of 23rd May 2025, quote based on travel to France for 7 nights, Value level of cover, 1 adult aged 63 years, no medical conditions.

What affects the cost of travel insurance for over 60s?

Age is one factor insurers consider when calculating travel insurance premiums. Travellers over 60 may face higher costs as they’re statistically more likely to require medical assistance abroad. However, many other factors also influence the final price, such as:

• Your health - Pre-existing medical conditions can increase premiums, especially if additional cover is required.
  
  
• Length of trip - Longer holidays generally come with higher premiums due to the increased likelihood of needing to claim.
• Destination – Travelling to countries with higher medical costs – like the USA or Canada – or destinations considered higher risk can raise your premium.
  
  
• How often you’ll be travelling – Single-trip cover is usually cheaper upfront, but frequent travellers might save with annual multi-trip insurance.
  
  
• Cover level - More comprehensive cover may cost more. Asda Money offers three tiers - Value, Premium, and Superior – so you can choose the best travel insurance to suit your budget and your travel plans.

What does travel insurance for over 60s cover?

The best travel insurance for over 60s should provide peace of mind by covering a wide range of common travel issues. While cover can vary between providers, most standard policies typically include the following:

Before purchasing, always check the specific policy details to ensure it includes everything you need, especially if you have pre-existing medical conditions or plan to take part in specific activities.

What’s excluded from over 60s travel insurance?

Just like standard travel policies, travel insurance for over 60s has exclusions. Understanding these can help you avoid unexpected issues during your trip:

If you're unsure whether a particular activity or medical condition is covered, check the policy wording or speak to the insurer directly before you buy.

Travel insurance for over 60s with existing medical conditions

Having a pre-existing medical condition doesn’t mean that you can’t get travel insurance if you’re over 60 – far from it. Many policies, including those through Asda Money, offer cover for a wide range of medical conditions, so you can travel with confidence.

When getting a quote, it’s important to declare any known conditions so we can make sure you’re fully covered. Failing to do so could invalidate your policy if you need to make a related claim while you’re away.

While certain conditions may increase the cost of your premium, disclosing them means your policy can be tailored to your needs – offering protection for medical treatment abroad, cancellations due to health, and more.

Types of travel insurance cover for over 60s

With Asda Money, you don’t need a special over 60s policy – our travel insurance covers you regardless of your age.

We offer three levels of cover – Value, Premium, and Superior – so you can select the one that best fits your needs, whether you’re looking for single trip or annual multi-trip cover.

The level of cover you need will also depend on where you’re travelling—whether that’s the UK, Europe, or worldwide.