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Travel insurance for over 70s

Your retirement is a chance to travel around the world, exploring countries you’ve never been to before or to revisit tried and tested favourites.

Your retirement is a chance to travel around the world, exploring countries you’ve never been to before or to revisit tried and tested favourites.

Patrick Ikhena
From the Travel team
minute read
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Posted 17 FEBRUARY 2020

What is travel insurance for over 70s?

Over 70s travel insurance is designed to protect you wherever you choose to go. We can help you find the right travel insurance for your trip, wherever you plan to jet off to.



Starting on 5 November, the Government has introduced a national lockdown for England that will last until at least 2 December. As part of this, the Foreign, Commonwealth and Development Office (FCDO) advise against all non-essential domestic and international travel.

If you choose to travel overseas to a destination while the FCDO has advised against non-essential travel, or domestically against the instructions of the UK Government, then your insurance policy will be invalid, and any claim will be rejected.

For those living in the UK but outside of England, the public health rules may differ, but you must abide by the restrictions imposed by your local authority.

We’ll continually review the situation, and update you with the latest FCDO or Government guidance on travel.

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

Until then, stay safe.

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we will only show quotes from insurance providers who will cover for all declared medical conditions, with no exclusions.

The Money and Pension Service (MaPs) has also launched a directory of insurance providers, who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers Association on 0370 950 1790.

Do travel insurance providers cover the over 70s?

Yes, but if you’re over 70 it can be more difficult to get travel insurance cover. However, there are providers that are more than happy to quote. 

But there is good news: travel insurance for the over 70s sometimes offers extra benefits that aren’t normally offered with standard travel insurance, such as additional emergency and medical cover.

This could come in handy as, for example, when a traveller suffered a stroke in the USA, it cost £768,000 to cover the medical costs (including £60,000 for an air ambulance back to the UK).

Make sure you check individual policy details as these can vary by provider.

What does travel insurance for over-70s cover?

Travel insurance for over 70s protects you for many things, with a greater focus on medical and health cover. You will likely have to answer further medical questions during your application, but, providing you answer accurately, you can receive significant cover and benefits with an over 70s travel insurance policy.

You can typically receive cover for:

  • Medical costs – will cover expenses for treatments, medication and equipment
  • Travel adjustments – if you need to extend or shorten your trip due to medical requirements, these costs may be covered
  • Caring assistance – if you require a carer to travel with you, you may be able to add them to your policy

What isn’t covered by over 70s travel insurance?

Like many insurance policies, you’ll likely find exclusions to your cover. Please be careful to read your policy carefully, to ensure that you’re fully aware of what you’re covered for.

Here are some examples of policy exclusions:

  • Unlisted pre-existing medical conditions – if you haven’t informed your insurance provider about a particular condition, and then attempt to claim for it, your policy may be deemed void
  • High-risk activities – if you fail to inform your insurance provider that you’re planning on taking part in extreme sports, or other high-risk activities, a claim will likely be rejected
  • Irresponsible behaviour – if you injure yourself, lose or have had something stolen, due to negligence, or while intoxicated, you may void your claim

How much does travel insurance for over 70s cost?

The average annual travel insurance policy last year for over 70s cost £89.99**.

**The average premium for travel insurance for over 70s was £89.99, based on Compare the Market data in 2019.

Travel insurance for over 70s usually costs more than standard travel insurance. This is because the older you are, you’re perceived as a greater risk, and more likely to require medical treatment.

Factors considered by insurance providers include:

  • Age – the older you are, the more expensive your cover
  • Destination – remaining in Europe is typically cheaper than travelling further afield
  • Length of trip – the longer your trip, the more cover you’ll need, which will increase the cost
  • Activities – if you’re taking part in any sports or activities deemed high risk – expect to pay more

Should I declare pre-existing medical conditions?

It’s always best to be as honest and accurate as possible during your application. If you fail to do so, and then wish to claim for a pre-existing condition, your policy will likely be invalidated. When comparing insurance providers, you’ll be asked a number of questions regarding your health. This is so they can determine what kind of cover you need. It’s important you declare any pre-existing medical conditions for example:

Don't worry if you have any pre-existing medical conditions, or if you're currently taking any medication. There are travel insurance policies out there that have been specifically designed to cover travellers over the age of 70 with health conditions. 

Where am I insured to go with over 70s travel insurance?

You can find separate types of travel insurance for different destinations: 

This will also be asked when you’re comparing over 70s travel insurance online, to make sure you get the right cover. Though this bit may seem straightforward, make sure to double-check before you book; some insurance providers will classify countries such as Morocco, Tunisia, Egypt or  Turkey as ‘Europe’ and cover them under their European policies, whereas some don’t. Also, some policies cover North Africa, while others don't cover Spain.

What you don't want is to end up buying a worldwide policy unnecessarily, or not have the right travel cover in place.

You may also wish to get additional unexpected-event cover, which could protect you from strikes, civil unrest and volcanic ash clouds among other things.

Travelling to the EU? If so, remember to claim your European Health Insurance Card (EHIC) which ensures you get the same healthcare treatment as a local, as part of a reciprocal agreement. Although you’ll still need travel insurance as well.

Please be aware that the UK left the EU on 31st January 2020. A transition period will last until 31st December 2020, with travel within the EU unaffected during this time. Please check for the latest information ahead of travel.

How can I compare travel insurance for over 70s?

Use our travel insurance comparison service to look at travel insurance policies available to you. 

Simply enter your details – including any pre-existing medical conditions you have – and in just a few minutes you’ll have a selection to choose from.  

It means you can start planning your trip with peace of mind. Compare travel insurance in minutes and see if you can save. 

Is there an upper age limit?

With over 70s travel insurance being a separate type of cover, you won’t normally find upper age limits on your policy. However, it’s always best to read your policy and check for any limits or exclusions.

Can I include travel companions?

Some insurance providers will allow you to include any travel companions on your policy. This is particularly useful for any caring assistance that you may require, however, some providers will have limits and exclusions to company. It’s always best to read your policy carefully, and check this information.

Are medical belongings and equipment covered?

You can often include any medical equipment or assistance as part of your policy, protecting it against damage, or if it is lost or stolen.

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