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Over 70s travel insurance

Compare holiday cover for seniors over 70

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Compare holiday insurance quotes from 42 trusted UK providers1

Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.

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1Accurate as of November 2023

What is travel insurance for the over 70s?

Travel insurance is designed to cover you for unforeseen events and emergencies that may happen while you're on holiday, such as:

  • Needing medical treatment

  • Holiday cancellation

  • Lost passports

  • Stolen or lost baggage

Travellers over the age of 70 can qualify for standard travel insurance, covering all the above, but cover can often be more expensive for this age group.

This is because over 70s are more likely to have pre-existing medical conditions than younger travellers. This means that as well as an increased risk of needing medical treatment on holiday, over 70s are more likely to need to cancel a planned trip for medical reasons.

Specialised over 70s travel insurance often includes cover for pre-existing medical conditions, additional medical cover and/or cover for prescriptions (if you are stranded abroad without sufficient medication, for example).

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Over 70s travel insurance considerations for medical conditions

It’s important to tell your travel insurer about any pre-existing medical conditions you have, or if you are waiting for test results or diagnosis. Failure to disclose any existing or previous medical conditions could disqualify you for cover when you make a claim.

Some common conditions may be covered as standard, while others might be covered for an extra premium. Some insurers will exclude pre-existing conditions from your cover, meaning that you won’t be able to claim any medical cover related to those conditions while you’re abroad.

However, there are special policies for travellers with pre-existing health conditions. These are usually more expensive than standard policies, but all your health problems will be covered while you travel.

If you’re still struggling to find suitable cover, the Money and Pensions Service (MaPs) also provide a list of specialist insurers on the MoneyHelper website, or you can call the British Insurance Brokers Association on 0370 950 1790.

What will my policy cover?

Over 70s travel insurance is no different than a standard policy albeit more considerations for any medical conditions which may lead to policy exclusions or higher costs. The following information provides a general overview of common travel insurance inclusions and exclusions. Always read your policy documents thoroughly to understand what is and isn't covered before your trip.

  • Tick

    What's covered:

    • Medical expenses: Insurance will cover the cost of emergency medical treatments you receive while abroad

    • Medical aids: Medical equipment and accessories that you bring abroad will be protected against loss or damage

    • Medication: If you lose your important prescription medication, your insurance will help you afford a replacement

    • 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

    • Cancellation: Travel insurance will cover the cost of your holiday if you have to cancel due to an emergency

    • Travel disruption: If your travel plans have been disrupted, insurance will help you cover alternative transport or accommodation

  • Cross

    What's not covered:

    • Non-disclosed pre-existing conditions: Providers won't cover any pre-existing conditions you didn't disclose when applying for your policy

    • 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

    • Accidents related to drugs/ alcohol: Insurers will not cover claims for accidents that occur while under the influence of drugs or alcohol

    • Travelling against FCDO advice: Even with worldwide cover, insurers will not cover travel to countries that the FCDO has advised against

    • 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 that you have changed your mind

What types of policy can I get?

Over 70s can either buy single trip or multi-trip travel insurance. A multi-trip policy can work out cheaper if you take more than two or three holidays each year. Single trip policies can work out better if you go on one long trip.

  • Single trip travel insurance

    Policies will cover you for a single trip abroad. Most providers will have a maximum trip length to qualify for a single trip policy, but this can be up to 365 days with some insurers.

  • Annual multi-trip travel insurance

    Policies will cover multiple trips abroad and in the UK within 12 months. However, your policy may have a maximum length for each trip, typically 31 or 60 days.

What policy additions can I get?

There are a range of travel insurance add-ons which allow you to tailor your cover to your needs. This can include adding extra cover or adjusting cover to meet certain circumstances.

  • Cruise cover

    This add-on provides you with cover for cruise-specific risks such as missed port departures, cabin confinement, multiple destinations, unused pre-booked excursions, disrupted cruise itinerary, and airlift rescue.

  • Gadget cover

    Most travel insurance policies have a per-item cover limit for your belongings, which might not cover expensive electronics. This extra cover will ensure your gadgets, such as smartphones and laptops, are insured for their full value.

  • Golf cover

    This add-on covers risks unique to golf holidays such as loss of your golf clubs, equipment hire if your gear is stolen, and non-refundable green fees. Some even provide a contribution to your obligatory bar bill if you hit a hole-in-one.

  • Excess waiver

    The excess is the amount a policyholder pays towards a claim. You can pay extra for the excess to be waived and 100% of the claim paid by the insurer.

How much is over 70s travel insurance?

Travel insurance generally increases in cost as you get older, so travellers over 70 are likely to pay more for their insurance than younger holidaymakers. But there are also several other factors that will affect the cost of a travel insurance policy. These are:

  • Plus

    Destination

    Insurers will price your policy based on your holiday destination. This is because some destinations are riskier than others or have more expensive medical costs

  • Plus

    Trip length

    If you’re purchasing a single-trip policy, getting cover for a longer trip will be more

  • Plus

    Pre-existing conditions

    With a standard travel insurance policy, most providers will increase the cost if you have a history of medical problems. Specialist policies for pre-existing conditions are more expensive than standard policies

  • Plus

    Addition cover options

    Adding extra cover to your policy will add to the cost of your policy. Some travel insurance providers may also offer a choice of travel insurance policies with different levels of cover for certain categories

Why compare travel insurance with MoneySuperMarket?

At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:

  • 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

  • Quick and easy to use

    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.

  • Save money

    Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.

Travel insurance comparison rated highly by our customers

At MoneySuperMarket, our mission is to help you Super Save on travel insurance. We offer a simple, hassle-free way to compare quotes from a wide range of insurers and our useful information and guidance will help you choose our best policy for your needs.

Join the thousands of satisfied customers who have highly rated our travel insurance comparison service.

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What countries does over 70s travel cover?

You can choose which countries you would like travel insurance cover for, however there are some limits to the countries you can choose. Each provider will have their own list of excluded countries and most insurers will not cover any countries that the Foreign, Commonwealth & Development Office (FCDO) has advised against travelling to.

Here are the options of the two types of travel insurance cover you can choose. Check your policy documents to make sure your holiday destinations are covered by your policy:

  • Europe only travel insurance

    Insurance will cover you for travel to any European Union country as well as some non-EU countries, such as Iceland, Switzerland, Turkey and Norway

  • Worldwide travel insurance

    Insurance will cover you nearly globally with exceptions depending on your provider. Policies have the option to include or exclude USA, Canada, and Caribbean

How can I get cheaper over 70s travel insurance?

There are a few steps that you can take to reduce the cost of an over 70s travel insurance policy. But bear in mind the most important thing is to travel with the cover you need in place – sometimes it’s worth paying a bit more to be fully protected.

  • Choose a standard travel insurance policy

    If you qualify, standard travel insurance is cheaper than special policies that cover pre-existing conditions. However, existing health problems are usually excluded with standard policies

  • Increase your excess

    Increasing your excess will make your policy cheaper. However, doing this means that you will have to pay more when you make a claim on your policy, which can be expensive

  • Single trip or annual trip cover

    If you’re planning multiple trips abroad, a multi trip policy might be cheaper than multiple separate single trip policies. Compare online with us to find out which might be cheaper for you

  • Shop around

    Shop around to find the best deal on travel insurance. This gives you the best chance of finding a good value policy and comparing with us makes the job quick and easy

Emma Lunn

Our expert says

"

Over 70s in good health may be able to buy standard travel insurance. But if you’re in this age group and have any pre-existing medical conditions, you might need to seek out specialist cover. This will provide reassurance that you are fully covered when you go abroad – so you can relax and enjoy your holiday

"
- Emma Lunn, Personal finance expert

How to get your tailored quotes with MoneySuperMarket

  • Tell us about yourself

    Give a few details about you, your travel plans, and what you need cover for

  • We’ll do the legwork

    We’ll put together a list of travel insurance quotes, so you can pick one that works for you

  • You’re on your way

    Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip

A Global Health Insurance Card (GHIC) can act as an addition to your travel insurance but isn’t a replacement. With a GHIC, you can gain access to state-provided healthcare in EU countries. This means that you’d be able to benefit from the same level of care that any local resident would receive for the same cost. 

That said, GHIC won’t provide cover for countries outside of the EU. What’s more, if you don’t have travel insurance, you will not benefit from cover for lost luggage, flight cancellations, and so on.

It’s always a good idea to buy your travel insurance deal as early as possible in case you have to cancel your holiday before you leave. Having a good policy in place could mean you’ll be able to claim compensation for the money you lose on travel and accommodation. Possible reasons for cancellation that may be covered by your policy include: 

  • Illness or injury 

  • Redundancy 

  • Bereavement 

Once you reach 75 years of age, you may have fewer options but you can still get travel insurance. Some providers may have maximum age limits for their travel insurance policies but there are other providers that don't have age limits. 

With our travel insurance comparison tool, we'll help you find cover no matter your age. 

In general, insurance companies will band older customers into an age bracket of 55-65 and then 65-74. After this, insurance will usually go up annually, or every five years, depending on the provider - so if you're looking for cover aged 75, cover could get costly.

Over 70s travel insurance usually includes cover for any medical equipment you take on your trip. For example, devices that help you walk may be covered for loss or damage. You can also be covered for the cost of hiring any necessary replacement medical equipment. Policies can also cover medication if yours is lost or stolen, or delays mean you run out before you get home.

Travel insurance is more expensive for travellers aged over 70 as this age group is more likely to make a claim for medical reasons. Healthcare can be very expensive abroad and not every country offers state-funded medical treatment.

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