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Compare travel insurance quotes for over 60s: a simple guide

Compare travel insurance quotes for over 60s: a simple guide

When you’re over 60, you may need travel insurance that covers you for the pre-existing medical conditions that life often brings at this age. By looking for travel insurance that’s geared towards over 60s, you can get the policy you need to enjoy your holidays with peace of mind.

One of the biggest advantages of later life is the freedom to choose your holidays when you want and where you want. But why wait until you retire? Start enjoying your leisure time.

Patrick Ikhena
From the Travel team
minute read
posted 13 NOVEMBER 2019

Does travel insurance for the over 60s suit your needs?

When you’re shopping for travel insurance over 60, there are a few things to bear in mind:

  • Standard travel insurance usually covers people up to the age of 64.
  • Your destination matters. Many older people are using their time and money to go further for holidays and this may affect the cost.
  • The risk of injury is deemed higher when we’re older. That’s especially important when it comes to cover for sporting activities.
  • You’re more likely to need cover for pre-existing conditions such as diabetes and heart conditions.


On 30 July 2020, the Foreign and Commonwealth Office (FCO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

Will I be covered if I have a pre-existing medical condition?

When you're over 60 it is possible to get travel insurance with a pre-existing medical condition, however it can depend on two factors:

  • the nature of your condition
  • the individual provider


It may cost more because you’re considered more likely to make a claim. But when you weigh up the costs of medical care abroad, it’s certainly worth the extra money. For example, hospital treatment for a heart attack in the USA could set you back as much as £75,000 if don’t have the proper insurance.

It’s vital that you declare any pre-existing medical conditions when you apply for travel insurance and give insurance providers all the information they need, otherwise your policy may be invalid should you need to make a claim.

What factors can affect the cost of my travel insurance policy?

There’s a variety of factors that go into calculating the cost of over 60s travel insurance, and they tend to vary between providers. However, the main ones are:

  • pre-existing medical conditions – the more serious it is, the more it could affect the cost of your premium
  • your destination – over 60s travel insurance is usually cheaper for Europe than long haul destinations, such as USA and the Caribbean, as medical care is typically more expensive in those areas
  • the length of your trip – from an insurance provider’s point of view, the longer you’re away, the higher the chance of something going wrong

Where can I find over 60s travel insurance?

Choosing a policy that’s right for you can be a complicated process, especially if you need extra cover for various reasons. We make comparing and finding the right travel insurance a quick and painless process. Just give us your details and we’ll send you a range of insurance providers to compare and choose the one that most suits your needs.

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