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Over 65s travel insurance

Compare and find a great deal on over 65s travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on over 65s travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on over 65s travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on over 65s travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

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Update your previous quote

Compare and find a great deal on over 65s travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

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Compare over 65s travel insurance

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. 


On 02 October 2020, the Foreign Commonwealth and Development Office (FCDO) 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 FCDO 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.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, 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.

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? 

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

  • additional emergency and medical cover 
  • cover for medicines 
  • medical/mobility equipment cover 
  • no age limits cover 
  • cover for travel companions on the same policy 

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 covered by over 65s travel insurance? 

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 directly or indirectly caused by substance abuse or excessive alcohol intake 

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

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

Yes, if you’re travelling to Europe, the  FCO strongly advises having travel insurance  even if you have an EHIC 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. 
**Your EHIC card will still be valid during the Brexit transition period. This is expected to last until 31 December 2020. It means you’ll still be able to use your EHIC card if you go on holiday during 2020.  If you’re travelling to an EU country on 31 December 2020, you’ll still be able to use your EHIC until the end of your visit to that country.  
It’s uncertain whether the EHIC card will remain valid after 1 January 2021. The FCO advises anyone visiting an EU country to have travel insurance with healthcare cover in place, just as they would when visiting a non-EU country.  

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

Where can you go with travel insurance for over 65s?

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.

Where can I find over 65s travel insurance?

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.

Patrick Ikhena

From the Travel team

What our expert says… 

“The cost of a group policy is normally based on the age of the oldest person in the group. This could cost you more, especially if you have a medical condition. If you’re travelling with younger family members, it could work out cheaper if you buy a separate travel insurance policy for yourself and another policy to cover your family.   
“Compare both options to see which would be more cost-effective, based on the level of cover you need for you and your family.”

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