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Travel insurance for over-70s

Compare over-70s travel insurance

published: 01 August 2019
Read time: 5 minutes

Travel insurance can be more expensive when you’re over 70 – here’s how you can find more affordable cover

What is travel insurance for over-70s?

Travel insurance for over-70s is designed to give you peace of mind as you travel during your retirement. An over-70s travel insurance policy can include better coverage for any medical equipment you need to take with you, and can cover you in case you need to cancel a holiday for medical reasons.

Standard travel insurance policies may not protect you for any pre-existing medical condition claims, or they might require you to pay more for cover. Some insurance policies even have an upper age limit of 65, which means they won’t include you at all – but with over-70s travel insurance, you know you’ll be covered.

And if you’re going on a cruise, make sure your policy covers this type of holiday.

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What does travel insurance for over-70s cover?

Travel insurance for over 70s takes care of your health and medical needs.

With a more thorough screening process and questions about your health, an insurer may be able to provide a more accurate level of cover for pre-existing medical conditions, as well as extra benefits that don’t usually apply to people under 70. These might include:

  • Medical expenses: Taking out an over-70s travel insurance policy could give you more cover for medical treatment than a standard policy – as long as your pre-existing conditions are cleared by the insurer

  • Medical aids: Any medical aids or equipment you need to take with you could be covered in case they get lost, stolen or damaged. This can include a wheelchair or a walking frame

  • Medication: Over-70s travel insurance can sometimes also include extra cover for lost medication

  • Waiting list: You may find cover if you’re on a waiting list for a surgical procedure or test results and you need to cancel your trip or cut it short

  • No age limit: Some insurers apply an upper age limit to their travel policies – often set around 65 – but over-70s cover is specifically tailored to your age group

  • Travel companions: With some over-70s policies, you may also be able to take one or more travel companions or carers with you, and they’ll be covered under your policy. Insurers might only allow this if the people travelling with you are ‘essential company’ – if in other words you wouldn’t be able to travel without them

Insurers can vary with the specific levels of cover they provide, so it’s important to look over the wording of your policy documents – this will help you understand exactly what you’ll be insured for, for peace of mind that you’ll be properly covered.

What isn’t covered by over-70s travel insurance?

While over -70s travel insurance can provide special benefits, the exclusions that apply are generally the same as for other age groups. One area you may have to consider is how long you’re travelling for.

This is because some insurers might limit how long you can travel for if you’re over a certain age. Even if you take out over-70s insurance, a limit can sometimes still apply. The exact length of time varies between insurers, and can also change depending on if you choose a single trip or a multi-trip policy.

Other exclusions that can apply to most travel insurance policies include:

  • Leaving out any pre-existing medical conditions: If you leave out any pre-existing medical conditions when you apply for insurance, you will probably not be covered for treatment or related costs if they flare up while you’re away

  • Leaving your belongings unattended: You won’t be able to claim for them if they get damaged or lost

  • Taking part in risky activities: Skiing, white-water rafting and other risky activities may void your policy if you don’t tell your insurer you plan on doing them beforehand

  • Behaving recklessly or dangerously: Reckless or dangerous behaviour might mean you aren’t covered for any costs you incur

  • Being under the influence of drugs or alcohol: Having to claim for something that happens as a result of drugs or alcohol could cause your insurer to reject your claim. Some insurers differ on the limit they set for alcohol consumption, from a certain number of units to none at all. They may make allowances for prescription medication but you’ll need to have a proper read of their policy wording to make sure

While these may be common, you should always double-check the list of exclusions provided by your insurer to make sure you don’t do anything that could prevent you from successfully making a claim.

When should you buy travel insurance for over-70s?

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 money you lose on travel and accommodation. Possible reasons for cancellation that may be covered by your policy include:

  • Illness or injury

  • Redundancy

  • Bereavement

Where can you go with over-70s travel insurance?

If you’re over 70 you might find you have more time to travel, and are able to visit more places for longer. This could make an annual multi-trip policy worthwhile if you plan on taking three or more holidays in a year.

But you should keep your destination in mind – if you’re only travelling in Europe, you’ll only need a policy that covers Europe, while a worldwide policy is necessary if you plan on visiting Asia or the Americas.

Things to keep in mind

When you compare quotes for over-70s travel insurance, there are a few things to keep in mind to make sure you get the best deal. For example:

  • Upper age limit: When you take out insurance, make sure the policy doesn’t exclude people over a certain age. For example, if your over-70s policy only includes people aged 70 to 79, it’s no use to an 80-year-old

  • Minimum medical cover: Make sure you have the right minimum level of medical cover, as medical costs can vary between different countries and continents

  • Medical belongings: If you require medical equipment, make sure it’s covered in the policy as some equipment can be difficult to replace. This is also true if you require regular medication like insulin, as misplacing these items can cause a lot of stress. While some over-70s travel insurance policies include coverage for this, it’s not always guaranteed

  • Customer support: When you need to report a medical issue or stolen property, you should tell your insurer as soon as possible. If your insurer has a customer support line, this can help to move your claim along – and it’s a good idea to keep their contact details handy

  • Travel companions: If you’re travelling with other people, check whether they can be included as travel companions on your policy. Some over-70s travel insurance deals include cover for travel companions as part of the package, so they may not need to take out their own insurance

Compare over-70s travel insurance

Comparing over-70s travel insurance is simple – all you need to do is answer some questions about yourself and your holiday plans, and you’ll be able to review different policies in no time. When you compare quotes on MoneySuperMarket, it’s always good to check on the key details to make sure you’re getting what you want from your policy.

For example, it’s worth checking the amount of cover insurers provide for medical treatment, cancellation fees and baggage, as well as the maximum excess they require if you make a claim. It’s also important to keep an eye on any exclusions or conditions mentioned in the policy documents, as these can vary between insurers – this way, you’ll be able to find the right deal at the best price.

It’s always good to keep in mind that the cheapest deal isn’t always the best, as it might not provide the right level of coverage for your holiday and it may also require higher excess payments to make a claim. It’s always worth checking exactly what you need and finding a policy that covers it all, so you can avoid any nasty surprises while you’re away.

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