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. 


What is over 65s travel insurance? 

Over 65s travel insurance is available to seniors over the age of 65, who might otherwise find it difficult to get the level of cover they need for their travels.  

As you get older, the chances of a slip, injury or becoming ill on holiday are higher than they might have been in your younger years. Because of this, many insurance providers have an upper age limit on the travel insurance they offer.  

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. 

Over 65s travel insurance is offered by some mainstream and specialist insurance providers such as Saga, who cater specifically for elderly customers.

What does over 65s travel insurance cover? 

What’s covered by your over 65s travel insurance will depend on the policy you take out. There are different types and levels of cover, but here are some of the common inclusions and exclusions.

What’s typically covered? 

Specialist packages for over 65s often feature added benefits such as:  

  • coronavirus cover – coronavirus cover can include protection against cancellations, medical expenses and more.
  • additional emergency and medical cover
  • cover for medicines 
  • medical/mobility equipment cover – protects these against loss, theft or damage
  • no age limits cover
  • cover for travel companions on the same policy – this could include carers 

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 isn’t typically covered? 

As with standard travel insurance, over 65s policies typically won’t cover:  

  • undeclared medical conditions 
  •  any sport or activity not listed in the policy wording – certain winter or water sports for example, may need extra cover. 
  • any person travelling with the intention of obtaining medical treatment abroad 
  • any person travelling against the advice of a medical practitioner 
  • claims arising from reckless behaviour or deliberately negligent acts
  • any claims caused while under the influence - even prescription medication can be a tricky one, so make sure you check your policy wording for confirmation.

What optional extras come with over 65s travel insurance?

Here are some examples of some of the optional extras that you can add to your over 65s travel insurance policy: 

  • Cruise cover – cruising is a popular type of holiday for older travellers, and cruise cover is better tailored to that sort of trip. It’ll cover things like medical emergencies which mean the ship has to port, or if you miss a scheduled port stop. 
  • Golf cover – if you’re planning on hitting the golf course while away, golf cover is designed to insure your clubs and other gear against loss, damage or theft. 
  • Gadget cover – if you’re a keen photographer while travelling, this is definitely worth thinking about. Standard travel insurance policies might not offer enough cover for more expensive cameras or other bits of tech, so make sure you get the extra cover you need. 
  • Travel connection delays – if your flight is delayed and causes you to miss a connecting flight, you could claim for compensation.

What else should I consider with over 65s travel insurance?

Here are some other things you need to think about when looking for over 65s travel insurance:

  • Upper age limits – standard travel insurance policies can have age limits, that exclude travellers over a certain age. So, make sure you check for any age limits when comparing travel insurance for over 65s.
  • Medical cover limits – another limit to watch out for, make sure that your policy will cover you for a suitable amount for where you’re going and what you’ll be doing while there. Some countries (in the Caribbean for example) have particularly high medical costs, so you should make sure you have enough cover to make up for the added expense.
  • Medical equipment – if you need to travel with medical equipment, you’ll need to make sure that it’s insured against damage, loss or theft. Replacing this equipment can be expensive and difficult while abroad, so this insurance makes it easier to manage.
  • Exclusions – make sure you’re fully aware of what isn’t covered by your policy. This is particularly important for medical conditions, as you don’t want to take out cover, only to find that the thing you need protection for most isn’t actually covered.
  • Have your policy documents and contact information - make sure you take all your policy documents away with you. Having digital and hard copies is best, so you can refer to them if your battery dies or you lose the paperwork. Keep the contact details for your insurance provider saved in your phone and noted down somewhere, too, as you’ll need to report any incidents you’re claiming for within a certain period.

Where am I insured to go with over 65s travel insurance?

Your age shouldn’t limit you from travelling the world. Just bear in mind that travel insurance for longer-haul destinations such as Australia, USA and Canada may cost you more than for travelling to Europe.  

Also, be aware that you won’t be covered if you visit a country or region that the Foreign & Commonwealth Office has advised against travel to.

How much does travel insurance for over 65s cost? 

The average annual travel insurance policy last year for over 65s cost £188**.

**The average premium for travel insurance for over 65s was £187.96, based on Compare the Market data between March 2021 and February 2022.

Travel insurance for over 65s usually costs more than regular travel insurance. Simply put, the older you are, the greater the risk you’re perceived to be by insurance providers, because they think you’re more likely to need medical treatment. Here are the main things that insurance providers consider when pricing a policy:

  • Age – like we said, the older you are, the more you can expect to pay for cover
  • Destination – normally, the further away you’re going, the more your insurance could cost. Trips to countries where medical costs are particularly expensive also cost more to insure
  • Length of trip – the longer your trip, the longer your cover needs to last, which means it’ll be more expensive
  • Activities – if you’re going to be taking part in any high-risk activities, you’ll need extra cover, which costs more

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 the over 65s tends to be more expensive for longer-haul destinations, such as  the USA  and  Australia,  than for  Europe. 
What activities you plan to do 
You may not be planning to go bungee-jumping, but even 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. 

Frequently asked questions

Can I get insurance which covers coronavirus?

Because of the disruption to international travel, insurance providers have had to adapt and offer cover to protect against incidents related to COVID-19. However, coronavirus cover isn’t a standard set of inclusions, which means the protection you get can vary between travel insurance providers. This means you should compare different policies available and read the policy wording very carefully. 

If the Foreign, Commonwealth & Development Office (FCDO) say it’s safe to travel to your destination, then you may be able to make a claim for cancelled or curtailed trips, after you or a travel companion fall ill with coronavirus. Coronavirus cover could also help pay for medical costs for treatment of COVID-19, if you catch it while away, or even cover the cost of repatriation to return you home for treatment. You could also claim for time lost after being ordered to self-isolate. 

Regarding vaccine passports, each country will be able to set their own rules, which could mean that you’ll need to provide proof of vaccination before you can enter certain countries. 

Find the latest information on coronavirus and travel insurance here.

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

Yes, if you’re travelling to Europe, the  FCDO strongly advises having travel insurance  even if you have an EHIC/GHIC 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. Also, it isn’t valid on cruises. 

Since the UK left the EU, you won’t be able to apply for an EHIC anymore, but, if you have one already, 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.

When should you take out over 65s travel insurance?

It’s advisable to take out over 65s travel insurance as soon as you book your holiday, even if it’s not for another few months. Just like a younger traveller, a pensioner also needs to consider any unexpected mishaps that could result in a holiday or flight cancellation.  

If you’ve already got travel insurance in place and you’re unable to go on holiday for a listed reason, you’ll have the peace of mind that you won’t be left out of pocket.

Other ways to protect yourself

While having a travel insurance policy provides you with good protection against a variety of problems, there are other things you can do to better protect yourself: 

  • Make flexible bookings – look to book holidays with flexible options or the ability to cancel free of charge. Try to find bookings that don’t require a deposit, or pay on arrival. This means your money is safer, if you’re forced to change your plans.
  • Book a package holiday – package holidays offer ATOL protection, which can protect you against losing a booking if the travel agent cancels your trip or goes bust. This should entitle you to a full refund.
  • Pay on a credit card – credit card purchases of more than £100 could be protected under Section 75 of the Consumer Credit Act. With this protection, if your holiday is cancelled because your flight is cancelled or your hotel closes, your credit card provider may consider a claim if the travel provider won’t give you a refund.

How can I compare travel insurance for over 65s?

You can simply 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 multiple trips, comparing quotes couldn’t be easier. 

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

What do I need to get a quote? 

You’ll just need to answer some questions about yourself to ensure you get quotes suitable for you.  
We’ll need to know a few details, for example: 

  • your age 
  • where you’re travelling to 
  • how long you’ll be away for 
  • any pre-existing medical conditions 
  • any optional extras you’d like to add on 

Fill out our online form and within minutes you’ll receive a list of suitable quotes to choose from.

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Author image Josh Daniels

What our expert says...

“The cost of a group policy is normally based on the age of the oldest person in the group. If you’re travelling with younger family members, it could work out cheaper if you buy a separate policy for you and another to cover your family."

- Josh Daniels, Travel insurance expert

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Page last reviewed on 31/03/2022
by Josh Daniels