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Over 70s travel insurance

Compare holiday cover for seniors over 70

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Compare holiday insurance quotes from 37 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 September 2023

How does over 70s travel insurance work?

Travel insurance will cover you for unfortunate events and emergencies you may experience while you're on holiday. Policies can cover medical expenses, holiday cancellation, lost passports, stolen baggage, and more. Travellers over 70 can qualify for standard travel insurance but there are some limits to these policies that may make them less suitable for older holiday goers.

As we get older we're more likely to experience health problems. However, standard travel insurance doesn't normally cover pre-existing conditions, which means that older travellers would have to pay for their own health care abroad. For this reason, people over a certain age may prefer to take out specialist travel insurance. These special policies will cover most pre-existing conditions and some may even offer additional medical cover for advanced protection while you travel.


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 holiday goers. But there are also a number of other factors that will affect the cost of a travel insurance policy. These are:

  • Plus


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

  • Plus

    Trip length

    If you’re purchasing a single-trip policy, getting cover for a longer trip will be more expensive than a short one. For the same reason, annual multi-trip policies are usually more expensive than single trip

  • 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 also more expensive than standard

  • Plus

    Optional extras

    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 that range in price

What types of policy can I get?

There are two particular types of travel insurance for over 70s that can cover holidays of different lengths:

  • Annual multi-trip travel insurance

    Policies will cover multiple trips abroad, usually with a term of one year. You will be covered by your travel insurance for a full year no matter how frequently you go abroad, which can be cheaper than purchasing multiple single trip policies

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:

  • Deals tailored to you

    We search through leading insurance providers, so you can find great deals to match your needs.

  • 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.

We're 100% independent, working only for our customers

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.

of our customers would buy again
based on 17,545 reviews

Pros: Easy to use and very competitive travel insurance with the benefits of policies at twice the price on other sites. Cons: No, don’t think so.
Pros: Easy to fill the in Cons: Always get good rating choices
Pros: Ease of information Cons: No

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. Policies will normally cover:

  • 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

Over 70s travel insurance for medical conditions

Travelling with a pre-existing medical condition can make purchasing travel insurance more expensive. Providers of standard travel insurance policies will typically exclude your 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.

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

It’s important that you are honest about your medical history when applying for your travel insurance policy. Failure to disclose any existing or previous medical conditions could disqualify you for cover when you make a claim.

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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

What policy additions can I get?

There are a range of travel insurance options that many providers will offer which allow you to tailor your cover to your needs. This can include adding extra cover or adjusting cover to meet special circumstances depending on the type of holiday you’re taking.

  • Cruise cover

    Get special cover for cruise holidays. This travel insurance option can provide you with extra cover for missed departures, cabin confinement, and pre-booked excursions as well as special baggage cover for longer cruise holidays

  • Gadget cover

    Add extra protection for your valuable gadgets. 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 valuable gadgets are insured for their full value

  • Golf cover

    If you’re planning on bringing expensive golfing equipment on your holiday, this cover will protect it if it’s stolen or damaged. This cover can also cover non-refundable green fees if an insurable emergency or event prevents you from golfing

  • Excess waiver

    You have the option to cover a portion of your travel insurance claims to reduce the cost of your policy. You also have the option to pay more to waive your travel insurance excess and have your insurer cover 100% of your travel insurance claims

How can I get cheaper over 70s travel insurance?

There are a number of steps that you can take to reduce the cost of an over 70s travel insurance policy. Some, however, may require you to think carefully about your options. Cheaper isn't always better when it comes to valuable insurance protection.

  • 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

Angela Dove

Our expert says


While most providers have an upper age limit for their travel insurance policies, it’s still possible for over 70s to get standard travel insurance. But, if you have any pre-existing conditions, a specialist policy will make sure you aren't saddled with expensive medical costs if your condition causes problems while you travel. If this sounds like the right type of cover for you, compare with us to find a great deal on your policy.

- Angela Dove, Travel Insurance 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.

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