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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.
Customers with more serious pre-existing medical conditions
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.
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:
- coronavirus cover – the number one thing that’s disrupting travel around the world right now, so it makes sense to find travel insurance that covers you against things related to COVID-19. Coronavirus cover can include protection against cancellations, medical expenses and more.
- additional emergency and medical cover – can cover you for more conditions than a standard travel insurance policy
- cover for medicines – these can be difficult and expensive to replace while abroad
- medical/mobility equipment cover – protects these against loss, theft or damage
- no age limits cover – standard travel insurance policies can have maximum age limits, whereas a specialist over 65s policy won’t
- 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 covered by over 65s travel insurance?
As with standard travel insurance, over 65s policies typically won’t cover:
- undeclared medical conditions – so make sure that you declare any and all medical conditions, to avoid a nasty surprise if you go to make a claim. If one provider doesn’t cover a specific medical condition, another one might.
- any sport or activity not listed in the policy wording – certain winter or water sports for example, may need extra cover. If you’re planning on taking part in any adventurous sports while travelling, make sure you disclose this when applying for insurance and get extra cover. Otherwise, if you get injured and then make a claim, it’ll probably be rejected.
- 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 – this basically means don’t do anything dangerous or carelessly. If you leave your bags unattended, you shouldn’t be surprised if someone stole them. Your insurance provider certainly won’t be.
- any claims caused while under the influence – this includes by substance abuse or excessive alcohol intake. So, if you have one too many while enjoying your holiday and fall down some stairs and break your leg, your insurance provider won’t feel too sorry for you, and your claim will probably be rejected. 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 camera or other bits of tech, so make sure you get the extra cover you need.
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 £151.74**.
**The average premium for travel insurance for over 65s was £151.74, based on Compare the Market data in 2020.
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.
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?
The coronavirus pandemic has disrupted international travel since spring 2020. Because of this, 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.
As has been the case throughout the pandemic, if the Foreign, Commonwealth & Development Office (FCDO) advises against international travel to a destination, you won’t normally be covered for your trip. If they do 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.
As the vaccination program continues to roll out in the UK and abroad, the idea of “vaccine passports” has been mentioned. For now, there are no rules or guidance to introduce these vaccine passports, but 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 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’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.
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.
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. 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.