Travel insurance for over-70s

Travel is often high on our list of priorities when we stop working – and there’s no doubt retirement is a fantastic opportunity to travel the world – but you’ll want to make sure you have the right travel insurance in place before you go. Here’s what you need to know.

Travel is often high on our list of priorities when we stop working – and there’s no doubt retirement is a fantastic opportunity to travel the world – but you’ll want to make sure you have the right travel insurance in place before you go. Here’s what you need to know.

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.

Kate Hughes
Insurance expert
6
minute read
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Last Updated 28 JUNE 2022

What is travel insurance for over 70s?

Travel insurance for over 70s provides protection against the same unexpected problems that other travel insurance policies offer. It’s simply tailored towards the typical needs of older travellers. And with many insurance providers now offering cover for this more experienced group of voyagers, you should be able to find cover to suit your needs.

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.

Can over 70s get travel insurance?

Yes. People over 70 can get travel insurance, although it can be slightly harder to come by and may be more expensive than a standard policy for younger travellers. That said, you should find many insurance providers are happy to offer you cover.

Travel insurance aimed at the over 70s sometimes offers more medical and health cover than standard travel insurance – for example, cover for post-hospital aftercare and damage to medical equipment. Over 70s travel insurance may also be more likely to cover pre-existing medical conditions, although, as with all travel insurance, you must declare these in your application.

What does travel insurance for over-70s cover?

As you might expect, travel insurance for over 70s has a greater focus on medical and health cover. You’re likely to have to answer extra questions about your medical history but, providing you answer accurately, you may be able to receive cover for pre-existing conditions including diabetes and cancer. And if you need a carer to travel with you, you might be able to add them to your policy.

As well as cover for emergency medical treatment and repatriation to meet the cost of getting you home if you become ill, travel insurance for the over 70s should offer the same cover as standard travel insurance, including:

  • Lost or stolen baggage – in case your luggage goes missing or is stolen while you’re on your travels.
  • Cancellation – if you have to cancel or cut short your trip for a reason covered by your policy.
  • Delays – your policy should offer you some cover for missing a flight or a connection.
  • Coronavirus – all the policies we compare offer some cover for COVID-19 related claims. To see exactly what’s covered by each policy, click the ‘more details’ buttons on the quote results page.

What doesn’t over 70s travel insurance cover?

Always read your policy carefully so you know what you’re covered for and what you’re not.

Common exclusions include:

  • Undeclared pre-existing medical conditions – your claim could be rejected if you haven’t told your provider about a medical condition.
  • Some sports activities – if you’re intending to take part in any sports or outdoor activities while you’re away, make sure they’re covered by your policy. If not, you may be able to add cover at an extra cost.
  • Being under the influence – if you overdo it on the sangria, then have an accident, you’re unlikely to be covered.
  • Terrorism – but you may be able to add cover for this as an extra.

How much does travel insurance for over 70s cost?

That depends, although the unavoidable truth is that travel insurance for over 70s tends to cost more than standard travel insurance. That’s because providers consider you more at risk of needing medical treatment while you’re away.

The cost of your insurance will also be influenced by:

  • Destination – staying in Europe is usually cheaper than travelling further afield.
  • Trip length – the longer you go for, the more cover you’ll need, increasing the cost.
  • Activities – if you’re taking part in sports or activities considered high risk, you can expect to pay more.

What optional extras come with over 70s travel insurance?

When you compare with us, you can add extras to your policy, including:

  • Cruise cover – for cabin confinement, missed port stops and more.
  • Gadget cover – for valuable tech like laptops and smartphones.

Should I declare pre-existing medical conditions?

Absolutely. When applying for travel insurance, you must be as honest and accurate as possible. If you fail to mention a pre-existing condition, as well as any ongoing medical investigations or pending diagnoses, and then try and claim for it, your policy will likely be invalidated. Insurance providers will ask questions about your health so they can determine what kind of cover you need.

Where can I go with over 70s travel insurance?

Travel insurance is generally split into four categories: 

When comparing over 70s travel insurance, you’ll be asked where you’re going. This may seem straightforward, but double-check before you book – some insurance providers classify countries like Morocco, Tunisia, Egypt and Turkey as Europe, whereas others don’t.

Do I need a GHIC card?

Having a Global Health Insurance Card (GHIC) is essential if you’re travelling to Europe as it gives you access to state-provided healthcare in the EU. But it’s not a substitute for travel insurance – it won’t cover your baggage, or cancellations and delays, for example. And it also won’t cover getting you back to the UK if you’re ill or injured.

You can apply for a GHIC for free on the NHS website. The GHIC has replaced the European Health Insurance Card (EHIC), but if you already have an EHIC you can use it until it expires.

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

Looking for over-70s travel insurance? Here are some things to think about:

  • Upper age limits – always check for an upper age limit when comparing travel insurance for over 70s.
  • Medical cover limits – keep an eye out for limits on how much medical cover you can claim for. This is especially important if you’re travelling to a country with high medical costs, such as the USA or the Caribbean.
  • Medical equipment – if you have a condition that requires medical equipment, make sure it’s insured against damage, loss or theft.
  • Exclusions – before taking out insurance, make sure you’re clear on what your policy doesn’t cover. Many travellers don’t realise that standard travel insurance might not cover them if they’re off on a cruise, for example, mostly because medical evacuation at sea is far more expensive than normal. But you have the option of adding cruise travel insurance when you compare with us.

How can I compare travel insurance for over 70s?

Use our comparison service to search for the right travel insurance for you.

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

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Is there an upper age limit on travel insurance?

Travel insurance for the over 70s shouldn’t have upper age limits, but always check to be sure.

Can I include travel companions on my policy?

Some insurance providers will let you include travel companions on your policy. This is useful if you need a carer, although providers may add limits and exclusions to this extra cover. Check your policy for details if this applies to you.

Are medical belongings and equipment covered?

They may be. Check your policy to be certain.

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