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.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
minute read
Do you know someone who could benefit from this article?
Posted 12 NOVEMBER 2019 Last Updated 15 MARCH 2021

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.


Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

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

MoneyHelper has 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 MoneyHelper or by calling them on 0800 138 7777.

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:

  • Coronavirus cover – one of the most important right now, if you look for the right policies, you can get extra protection against cancellations, medical expenses and more related to coronavirus. Just read the terms very carefully, as different providers are covering coronavirus in their own way.
  • 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 under the influence, you may void your claim.

Can I get insurance which covers coronavirus?

As the coronavirus pandemic continues to disrupt international travel, insurance providers are adapting to offer cover against COVID-19. However, coronavirus cover varies between one travel insurance provider and the next, so it’s really important that you check if it’s available, and then read the policy wording carefully.

If the Foreign, Commonwealth & Development Office (FCDO) advises against international travel to a destination, then you won’t normally get cover for your trip. However, if they do say it’s safe to travel to a destination, but you or a travel companion then fall ill with coronavirus, you may be covered and be able to claim for the cost of your cancelled trip.

Coronavirus cover could also cover medical costs if you needed treatment for COVID-19 that you caught while travelling, or help with the cost of repatriation to return you home. It could also cover you for time spent being ordered to self-isolate.

As the vaccination program continues to roll out, there’s been talk of introducing “vaccine passports”. While there’s no official rules or guidance on vaccine passports, each country is able to set their own restrictions, which could include requiring proof of vaccination before you can enter the country.

Find the latest information on coronavirus and travel insurance here.

How much does travel insurance for over 70s cost?

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 need medical treatment.

Other factors considered by insurance providers include:

  • 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 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.

After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

What optional extras come with over 70s travel insurance?

When taking out travel insurance, you might want to take advantage of some of the optional extras that you can add to your policy. Here are some examples:

  • Cruise cover – this is more of a specialist type of insurance, that will cover specific events like the ship needing to port so you can get specialist medical treatment, or if you miss a port stop.
  • Gadget cover – don’t just assume that a standard travel insurance policy will cover your phone, camera and other bits of tech. Make sure they’re covered while you’re out and about on holiday by getting gadget cover.
  • Golf cover – if you’re travelling on a golf trip, make sure you get golf cover to protect your clubs and other gear against loss, damage or theft.

What else should I consider with over 70s travel insurance?

Here are some other things you need to think about when looking for over 70s travel insurance:

  • Upper age limits – make sure you check for an upper age limit when comparing travel insurance for over 70s. Some policies may not include travellers over 80, for example, so it’s important you check that you’ll actually be covered.
  • Medical cover limits – keep an eye out for any limits on the amount of medical cover you can claim for. This is especially important if you’re travelling to a country with particularly high medical costs, such as those in the Caribbean.
  • Medical equipment – if you have a condition which requires medical equipment, you’ll need to make sure that it’s insured against damage, loss or theft. That way, if the worst happens, you can get the replacements you need, which can often be expensive.
  • Exclusions – make sure you’re clear on what isn’t covered by your policy, before you take out cover. If you have a particular condition that you need specific cover for, make sure you disclose it during your application, to avoid getting insurance that won’t actually cover you for what you need protection against.
  • Have your policy documents and contact information – when you’re preparing to travel, make sure you take all of your policy documents with you. It’s a good idea to have an electronic copy on your phone or tablet, but also a printed version, in case your battery dies or you have no internet access. You should also make sure you have the contact details for your insurance provider, as you’ll often need to report the incident you’re claiming for within a certain window.

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. 

Start a quote

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.

Looking for a quote?

Get a new travel insurance quote in minutes and you could start saving

Get a quote
Compare travel insurance Get a quote