Over 65s travel insurance

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If you’re over 65 you may find you have the freedom and opportunity to travel more than you did when you were younger.

Statistically though, the older people get, the more likely they are to make a medical claim on holiday.

But that doesn’t mean you can’t get a good deal on your over 65s travel insurance.

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Frequently asked questions

Do I need specialist travel insurance for over 65s?

Typically, standard travel insurance covers those aged 18-64. Even if you’re fit and healthy, if you’re over 65 you may find you have to pay more for your travel insurance. However, you may also find insurance providers that offer specialist travel insurance for older travellers. Specialist packages for over 65s often feature additional benefits such as:

  • additional emergency and medical cover
  • cover for medicines
  • medical/mobility equipment cover
  • no age limits cover
  • cover for travel companions on the same policy

Whatever policy you decide to take out, it’s important to read the terms and conditions carefully, so you know exactly what’s covered and what’s not.

What factors can affect the cost of over 65s travel insurance?

Premium prices can vary between insurance providers, that’s why it’s a good idea to shop around for a deal that will suit your specific needs and budget. However, all providers will consider the following risk factors when calculating travel insurance for over 65s:

Pre-existing medical conditions
It’s important to declare any pre-existing medical conditions to your insurance provider. You’ll most likely end up paying more for your premium, but if you don’t declare any medical conditions and you need to make a claim, your policy may be invalidated.

Your destination
Travel insurance for over 65s tends to be more expensive for longer-haul destinations such as the USA and Australia than for Europe. However, when you consider that £760,000 was paid out to treat a stroke victim while travelling in the USA, the extra expense for peace of mind is well worth it. As the Association of British Insurers (ABI) points out, ‘six-figure medical bills are now not uncommon.’

What activities you plan to do
You may not be planning to go bungee-jumping, but even sports such as a golfing holiday may require extra or specialist cover.

Also bear in mind that cruise holidays tend to have specific risks and will usually require specialist cruise travel insurance.

How long you’re going away for
From an insurance perspective, as an older traveller, the longer you’re away, the higher the risk that something may go wrong. Some insurance providers may set a limit on the amount of time away you’ll be covered for.

Do I still need over 65s travel insurance if I have an EHIC card?

Yes, if you’re travelling to Europe, the FCO strongly advises having travel insurance even if you have an EHIC card. The European Health Insurance Card (EHIC) allows you free or discounted emergency care in public hospitals in Europe, but it won’t cover you for private treatment, repatriation to the UK or lost or stolen belongings. It also isn’t valid on cruises.

The EHIC card may also only be useful up until 29 March 2019 when the UK is set to leave the EU. Negotiations are still underway to see if any reciprocal arrangements with some EU member countries will continue post-Brexit.

Where can I find over 65s travel insurance?

Use our travel comparison service to find an over 65s travel insurance quote to suit you. Whether you’re looking for single trip travel insurance or an annual policy for more frequent trips, comparing quotes couldn’t be quicker or easier.

Compare over 65s travel insurance in minutes and see if you can save.