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.
Following new restrictions implemented on 5 January 2021, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.
The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.
Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.
For more information, please see our coronavirus and travel insurance page.
Until then, stay safe.
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 Pensions Service (MaPs) has also launched on its Money Advice Service website 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.
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 FCDO 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.
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.
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.
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.”