Travel Insurance for Over 70s

Holiday cover in your golden years

Exploring the world is a joyful experience no matter your age, your golden years are made for doing what you love, and if travelling the world is what you want to do then we’re here to support that.

Travel insurance for over 70s is designed to give you the holiday cover you need so you can focus on seeing the world and feel confident in your travel insurance so you can discover new cities and visit your favourite places comfortably.

Can over 70s get travel insurance?

Of course you can! However, different providers will have different age limits for their cover.

Our single trip policies are available for people aged up to and including 85 years (at the date you buy the policy) and annual multi-trip policies are available for people aged up to and including 75 years (at the date you buy the policy).

We will take any pre-existing medical conditions into consideration when you take out your policy as well. That means if you do have any conditions, we’ll need you to declare them and complete a quick medical screening. There may be an extra fee to cover your condition.

Don't forget to keep us up to date if you have any changes to your health while being covered by your policy to make sure you remain fully covered (an additional charge may be needed to cover the new condition).

How long can I travel for if I’m over 70?

If you’re aged 66 or over at the time of buying your travel insurance policy, we can provide cover for any trip up to 31 days. If you’ve taken out an annual travel insurance policy with us, then you can take as many trips as you want over 12 months – so long as each trip is for 31 days or less (please note: our annual multi-trip policies are only available for people aged up to and including 75 years at the date you buy the policy).


At what age does travel insurance go up?

The exact age brackets used to calculate insurance premiums vary from insurer to insurer, but you’ll usually find that there’s one premium bracket for 18 to 64 and a separate one for 65 and over, with the latter paying an increased premium.

Some insurers might turn you down if you’re over 65, even if you’re happy and healthy.


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 in order for them to be covered by the policy. 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.

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.

Can I get travel insurance for a cruise?

Yes - 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

These can all be especially useful when going on a cruise, as it can cover parts of your cruise you miss as a result of an accident or illness, or even missing your initial departure due to issues reaching the port.