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Over 65s travel insurance
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What Is Over 65s Travel Insurance & Do I Need It?
Over 65s travel insurance is a specialist type of insurance designed for seniors over the age of 65.
It is tailored to address the potential increase in health risks and medical needs that older travellers might face while they are on holiday.
This kind of insurance typically offers more comprehensive coverage than standard policies, which often cap the age limit at 64.
Whether or not you need it depends on several factors:
Your travel plans: If you're planning to travel, especially abroad, where healthcare costs could be high, having travel insurance can provide peace of mind and financial protection.
Your health: If you have pre-existing medical conditions, travel insurance for over 65s can cover medical expenses that might arise related to these conditions while traveling.
Coverage gaps: Check if your existing health insurance provides sufficient coverage abroad. Many domestic plans offer limited or no coverage outside your home country.
What Does Travel Insurance for Over 65s Cover?
The coverage of your travel insurance depends on the specific policy you choose. Here's a guide to help you understand the essential coverage options to consider, ensuring you select the best policy for your needs.
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What’s covered?
Medical expenses: Insurance will cover the cost of emergency medical treatments you receive while abroad, as well as repatriation to the UK for treatment if needed. The level of cover depends on the country you’re visiting – to work out how much cover you’ll need, consider the cost of healthcare in your destination, as well as the cost of returning home in a medical emergency
Medical aids: Medical equipment and accessories that you bring abroad will be protected against any loss or damage
Medication: If you lose your important prescription medication, your insurance will help cover the cost of any replacements
Repatriation: If you need to return home in the event of an emergency, your insurance will help you cover travel costs
Baggage: If your baggage is stolen or damaged, travel insurance will pay out to help you replace important items
Personal belongings: As with baggage, your policy should cover any lost or stolen belongings. Check for any single-item limits, though, particularly if you’re travelling with costly items – this is the maximum amount that will be paid towards a single item
Cancellation: Travel insurance will cover the cost of your holiday if you have to cancel due to an emergency. This is usually the value of your holiday, including any pre-booked activities
Travel disruption: If your travel plans have been disrupted, insurance will help you cover alternative transport or accommodation
Lost or stolen passport – as with personal belongings, most travel insurance policies will cover lost or stolen passports, or at least any replacement fees. In some cases, they will cover extra costs incurred by a missing passport, such as an extra night in a hotel while you wait for an emergency travel document
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What’s not covered?
Non-disclosed pre-existing conditions: Providers won't cover any pre-existing conditions you didn't disclose. You should declare every condition that applies to you to make sure you’re covered in case of an emergency, especially as medical costs can vary hugely between countries
Undeclared activities: If you’re going to be doing winter or water sports, you should take out an extra policy to cover this. If you don’t declare these beforehand, you won’t be covered for potential injuries or lost belongings that occur
Undeclared belongings: Some insurers might require you to list the items you’re taking abroad, particularly expensive or delicate items like instruments and electronics. If you don’t list something, it’s unlikely your insurer will pay out for a claim
Airline strikes: It is the responsibility of the airlines to compensate travellers for airline strikes and help organise alternative transport
High-risk activities: Insurers won't cover certain high-risk activities that are likely to result in injury or damage, such as rock climbing or white-water rafting – you’ll need to get a specialist policy that will cover these
Accidents related to drugs/ alcohol: Insurers will not cover claims for accidents that occur while under the influence of drugs or alcohol. Even prescription medication can be a grey area, depending on your policy – it’s good to check with your insurer
Travelling against FCDO advice: Even with the worldwide cover, insurers will not cover travel to high-risk countries where the Foreign, Commonwealth & Development Office (FCDO) has advised against visiting
Missed flights: You will not be covered for missed transport if it is the result of poor time management or mistakes that you are responsible for
Choosing not to travel: You will not receive cancellation cover if the reason for cancelling is because you’ve changed your mind
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What optional extras can you add to travel insurance for over 65s?
Here are some common add-ons available for over 65s travel insurance policies:
Cruise Cover: Many older travelers enjoy cruising, and cruise insurance is specifically designed for these trips. It covers situations like being confined to your cabin for medical reasons or missing a scheduled port stop.
Golf Cover: If you plan to play golf while traveling, golf cover protects your clubs and other equipment from loss, damage, or theft.
Gadget Cover: Standard policies may not fully cover expensive gadgets like cameras and mobile phones. Adding gadget cover ensures you have the protection you need for your tech.
Travel Connection Delays: If a flight delay causes you to miss a connecting flight, this cover can help you claim compensation.
Excess Waiver: You can choose to pay an additional fee to waive the excess on your policy. This means you wouldn't have to pay the initial part of a claim, allowing the insurer to cover 100% of your claims.
What should you consider when choosing travel insurance for over 65s?
Here are some key points to keep in mind to find the best policy for you:
Upper Age Limits: Some travel insurance policies have age limits that may exclude older travellers. Always check if there’s an age limit when comparing policies for over 65s.
Medical Cover Limits: Ensure your policy provides sufficient medical coverage for your destination and the activities you plan to do. Medical costs can be exceptionally high in places like the USA and parts of the Caribbean.
Medical Equipment: If you travel with medical equipment, check that your insurance covers it against damage, loss, or theft. Replacing medical equipment abroad can be costly and challenging, so having this coverage is crucial.
Exclusions: It's important to understand what your policy does not cover, especially concerning medical conditions. Make sure the coverage you need most isn’t excluded from your policy.
Policy Documents and Contact Information: Carry both digital and hard copies of your insurance policy documents when you travel, so you can access them even if your device runs out of battery or you lose the physical copies. Also, save your insurance provider’s contact details in your phone and note them down elsewhere to report any incidents quickly, as claims often need to be made within a specific time frame.
Where can I travel to with travel insurance for over 65s?
Your age shouldn't stop you from exploring the world but not all destinations will be covered.
Travel insurance for distant places like Australia, the USA, and Canada might be more expensive than for trips to Europe because of the higher medical costs.
Also, remember that your insurance won't cover you if you travel to a country or area that the Foreign & Commonwealth Office recommends avoiding.
How Much Does Travel Insurance for Over 65s Typically Cost?
Travel insurance typically becomes more expensive as you get older because older travellers have a higher risk of making insurance claims.
Traveller age | Average insurance price |
|---|---|
Under 18s | £16.92 |
18-49 | £27.83 |
50-54 | £32.93 |
55-59 | £36.57 |
60-64 | £45.45 |
65-69 | £62.28 |
70-74 | £78.48 |
75-79 | £99.26 |
80-84 | £108.18 |
85+ | £172.12 |
Example quote when comparing over 65s travel insurance
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
What factors can affect the cost of over 65s travel insurance?
Travel insurance will usually become more expensive as you get older, particularly when you reach the age of 65. This is because the perceived risk of illness and injury increases with age. However, the price of travel insurance varies by insurer. Costs may also increase for older people who declare pre-existing medical conditions.
Other factors that may affect the cost of an insurance policy include:
The health of the policyholder, including any pre-existing conditions
The number of people covered by the policy
The location of your travel destination and the risk level of the country
The length of the policy
Additional cover, including for activities or certain sports like winter sports
The level of cover you’ve chosen
Travel insurance guides and expert tips for over 65s
Keep up to date and find out all you need to know with our latest guides.
Why compare travel insurance with MoneySuperMarket?
Whether you need worldwide cover, a single trip, or a multi-trip policy, at MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
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Flexible to suit your plans
Get fully comprehensive cover for as long as you need it, whether that's one day or a few months, or single trip or multi trip policy
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Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.
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Ready to compare? Here's what to do next
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Tell us about yourself
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
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We’ll do the legwork
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
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You’re on your way
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
Does travel insurance increase at age 65?
Unfortunately, yes. This is because insurers typically have one premium bracket for those aged 18 to 64. So, if you’re aged 65 or over, you’ll likely have to pay more for your insurance, even if you’re otherwise fit and healthy.
What medical conditions do you have to declare for travel insurance?
When buying travel insurance, you’ll need to disclose pre-existing medical conditions. These include:
Heart conditions – such as high blood pressure or high cholesterol
Diabetes
Chronic or long-lasting illnesses – such as cancer, Crohn’s disease, and IBS
Asthma and respiratory problems
Joint and bone inflammation – such as arthritic, rheumatism, and gout
Mental health issues
Each insurer has its own list of what they consider to be pre-existing conditions, so it’s worth checking with your chosen provider.
What else is covered by over 65s travel insurance?
While insurance policies for older people provide more medical cover than a standard travel insurance policy, there are other advantages:
Age limit: Basic travel insurance often has a minimum for what age you can take out cover at. That's not the case for policies designed specifically for those aged over 65. However, you should keep an eye out for maximum age limits. Read the policy documents to be sure before you take out cover
Travel companions: Another advantage is that you might even be able to take companions with you who won’t have to take out a separate policy. Instead, they’ll be covered for the same things you are
As with any insurance policy, it’s important to read the documents and policy wording carefully, so you can understand exactly what level of cover you get.
Does over 65s travel insurance provide extra cover for medical-related issues?
Travel insurance for those aged over 65 generally provides the same benefits as standard travel insurance. But you may also find that it includes extra coverage for medical-related issues, such as:
Medical treatment costs: A travel insurance policy for older travellers might provide more cover for the cost of emergency medical treatment while you’re away
Medicine: If you need to take any form of medication with you, a policy will help you pay for replacements if yours become lost or damaged
Medical equipment: You may also be covered for the cost of replacing medical equipment, including wheelchairs or walking aids
Pending treatment: Some over 65 travel policies can even provide cover if you need to end your holiday early for any medical treatment you’ve been waiting for
When should you take out over 65 travel insurance?
You get the most out of travel insurance by applying as soon as you know the details of your holiday. This means you’re more likely to be covered in case you have to cancel your flights or accommodation early, perhaps as a result of:
Redundancy
Illness
Injury
Bereavement
Do I need over 65 travel insurance if I’m going to Europe?
The European Health Insurance Card (EHIC) and Global Health Insurance Card (GHIC) enable you to access state-provided medical healthcare for less, or for free, in participating European countries. If you currently have an EHIC, bear in mind it doesn’t last forever. Once it’s past its expiration date, you’ll need to apply for a GHIC.
However, you won’t be able to solely rely on the EHIC/GHIC scheme for medical expenses while you’re abroad. You should also consider the other costs incurred when you seek medical attention. For example, the EHIC and GHIC do not cover you for repatriation to the UK for treatment, nor do they pay out for cancelled plans because of any accidents or emergencies.
You’ll still have more protection with European travel insurance, as you’ll be properly covered for more medical and health-related issues, as well as any other holiday disruptions.
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Reviewed on 12 Dec 2025 by
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Data based on the average price of travel insurance sold through MoneySuperMarket for age < 18 in September 2024.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 18-49 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 50-54 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 55-59 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 60-64 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 65-69 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 70-74 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 75-79 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 80-84 in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 85+ in November 2025.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
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