Senior travel insurance is cover taken out by older people. While it's not a different product from standard travel insurance, it’s usually more expensive than cover for younger people.
That's because those aged 65 and over are seen as a higher risk of making a claim on their travel insurance policy, particularly because they are more likely to have pre-existing conditions. The cost of medical treatment abroad can be high and insurers price policies to make sure you are covered for these medical expenses if they have to pay them.
Other factors, such as your general medical history, the length of your trip, where you’re going and your level of cover will also impact the overall price of your policy.
Yes, usually. Each travel insurance policy will have its own limits when it comes to age. Usually insurers will group ages together in bands, for example:
There may also be an upper age limit, for example, 90, and an insurer won’t offer you cover if you are older than this.
The older you are, the more you can expect to pay. There are specialist insurers who can offer competitive rates on cover for older travellers.
There are three types of travel insurance for seniors that can cover holidays of different lengths:
A single trip policy will cover you for a one-off holiday and ends when you return home. The maximum length for this type of cover is usually no longer than 180 days.
This is often the most affordable option for older travellers who are being quoted high costs for annual travel insurance cover.
This policy will cover multiple holidays, normally within a year. This type of cover can be cost effective for frequent flyers, as your trips throughout the year will be covered instead of having to purchase new cover for every trip.
If you go on several holidays throughout the year, this travel insurance cover may be your best option.
Sometimes called backpacker insurance, this policy will cover you for stays in multiple countries, an extended travel period and for a wider range of activities.
This is a good option if you’re planning an extended trip, such as a few months travelling around Australia or the USA.
You be able to pay for add-ons such as cruise cover if you have a cruise booked during your trip or winter sports cover if these are on your agenda.
Travel insurance policy inclusions and exclusions vary. The following information provides a general overview of common senior travel insurance inclusions and exclusions.
Always read your policy documents thoroughly to understand what is and isn't covered before your trip and so you’re aware of any excess you may be required to pay.
You should also speak to your insurer before receiving medical treatment, if possible, as there may be limits on the type of hospital you visit, for example.
Loss, theft or damage to your medication or medical equipment
Mobility aid cover if your mobility scooter or wheelchair is stolen, lost or damaged
24-hour medical emergency treatment
Loss, theft of or damage to your luggage and personal belongings
Trip cancellation, curtailment or delays
Cover for pre-existing medical conditions (this will depend on the policy and the condition)
Emergency dental work (this may be a paid-for extra or included as standard)
Non-disclosed pre-existing conditions
High-risk activities
Accidents related to drugs/alcohol
Travelling against FCDO advice
Choosing not to travel
There are lots of optional extras available with travel insurance, and most policies let you tailor cover to your trip. Adding extras will usually increase the price, but it also increases the protection you have if something goes wrong.
It’s important to check you’re covered for everything you plan to do. Standard travel insurance often excludes higher-risk activities like skiing or hiking, which means you could be left paying expensive medical bills yourself if you’re injured doing them.
At the same time, avoid paying for cover you won’t need. For example, if you’re taking a Caribbean cruise, winter sports cover is unlikely to be relevant.
Always read the policy details carefully so you know exactly what’s included.
Losing your passport on holiday can be stressful, but knowing you have passport cover can alleviate the stress. This type of policy can insure you for the cost of a replacement or waive the excess claim fee.
The exact type of passport cover you’ll get will depend on the provider, so check exactly what they offer.
If your cruise trip isn’t as smooth sailing as you planned, cruise cover can compensate you for any issues.
This specialist insurance will protect you for problems such as cabin confinement, cruise interruption and also offers missed port cover.
Sometimes your flight may be unable to go ahead, and you can be covered for this with a missed departure policy.
With this cover, you can be insured for public transport delays, car breakdowns, extreme weather and road accidents.
You won’t be compensated for missing your flight if it’s purely your fault e.g., if you spent too much time in duty-free.
Companion cover means you may be covered if you are bringing a travelling companion along with you, such as a nurse or a carer.
They may be included on your travel insurance policy, or they may need their own cover. This will depend on the insurer and the travel insurance policy you’ve chosen.
Although most travel insurance will cover your gadgets, it may not insure pricey devices.
For added peace of mind, and if you’re taking high-value items away with you, it might be a good idea to get gadget cover, to protect you in case your electronics are damaged or stolen.
Holiday cover becomes more expensive as you get older. While 18-49 year-olds pay £24.79
The majority of MoneySuperMarket customers in this age range currently pay this amount or less.
The majority of MoneySuperMarket customers in this age range currently pay this amount or less.
The majority of MoneySuperMarket customers in this age range currently pay this amount or less.
If you have a pre-existing condition, it is important for you to declare this on your application. Common conditions include high blood pressure, cancer, heart conditions, diabetes or mental health issues.
Insurers may request to see more information about pre-existing medical conditions, such as access to your medical history, or they may ask you to have a medical screening before they will cover you.
Pre-existing medical conditions can make your cover more expensive because it means you are more high-risk, but there are specialist providers which can offer more affordable cover.
If you don’t declare any pre-existing medical conditions you suffer from, your policy will be rendered void if you try to make a claim.
Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.
1Restrictions and T&Cs apply, click here for details.
All our 57
We're also the UK's most recommended price comparison website
Buy through us and get up to £5
Save £££ by shopping around. Plus, we price match and give you up to £5 if you find a cheaper deal
Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.
By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.
Based on 17,820 reviews
our customers rate us
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk
A year's worth of free experiences across the UK. From London Zoo and Go Ape, to Hussle Swimming and English Heritage, there’s an adventure for everybody. Worth £180
Whether you're buying clothing, homewares or takeaways, earn up to 10%
You and your friends each get up to £20 when they join the Club and make a qualifying purchase. Win-Win!
It’s essential that you choose the right cover for your trip. The cheapest policy isn’t always the most comprehensive so take the time to research your options and read the small print. If you are given an expensive quote, there may be things you can do to lower the cost:
Comparing quotes from several providers makes it easier to decide whether the cost and features meet your needs.
Extra add-ons, such as hospital benefit cover can enhance your coverage, however you should check what’s already covered under the policy you choose.
If you’re a regular getaway-goer and then an annual multi-trip policy could save you more money in the long run, saving you from searching for a new policy every time you travel.
Selecting a higher excess can help lower your premiums. But if you do make a claim, you’ll have to pay more toward it.
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
Providers may have upper age limits for certain types of policies and this will depend on the insurer and the type of cover. There may be different age limits for single and annual policies too.
Premiums rise with age but policies are available for anyone, no matter how old they are. When you buy insurance you’ll usually need to choose an age band, such as between 70 and 75 or 85 and older. The older you are, the higher the chance you’ll need to provide medical details or attend a medical screening.
The EHIC/GHIC scheme offers limited protection for travellers in EU member countries. These cards provide the holder with emergency medical treatment in state-run facilities.
This may be free, or a low-cost, and will be the same price as locals pay. However, travel insurance offers a lot more than this such as repatriation, lost luggage, and treatment at private hospitals and using a GHIC is not a sufficient replacement.
If you don’t tell your insurer about your pre-existing medical conditions, you risk invalidating your policy and this may leave you responsible for paying medical expenses.
If you make a claim and the provider finds out that you have hidden medical conditions, your claim will be rejected. It's important that you are honest with your provider and provide the details it asks for such as your diagnosis date, medical history and treatment plan.
When you buy travel insurance, you need to choose the area of the world it will cover. These are broadly grouped into the following categories:
The cost of medical expenses in countries such as the USA and Canada is typically more expensive so your premiums will reflect this.
The policy will only cover travel to countries covered by the policy. Policies will also exclude travel that goes against FCDO guidelines so always check the FCDO website before you go.
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Yes, you can earn SuperSaveClub rewards when you buy travel insurance through MoneySuperMarket.
This includes:
Up to £5
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Yes, travel insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £5
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 8 May 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 18-49 in April 2026.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 70-74 in April 2026.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
The number of providers for travel insurance in May 2026
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
T&Cs apply to SuperSaveClub and Price Promise.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Data based on the average price of travel insurance sold through MoneySuperMarket for age 60-64 in April 2026.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Data based on the average price of travel insurance sold through MoneySuperMarket for age 85+ in April 2026.
Mark Edwards
Helene Kell
Nicholas Osborne
Danny