Single trip travel insurance
Policies will cover you for a single trip abroad. Most providers will have a maximum trip length to qualify this type of policy, but this can be up to 365 days with some insurers.
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Can I get over 75s travel insurance?
Yes. While it may be harder to find the appropriate travel insurance for your age, you can still get adequate cover.
Older holiday goers may find that their premiums get higher and higher as they age, this is because insurers price their policies based on perceived risk. Statistically speaking, older people are more likely to make a claim on their insurance than younger travellers are.
How much does over 75s travel insurance cost?
Your age plays a big factor in determining how much your travel insurance will cost, but there are a few others that can also affect your premiums, these include:
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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
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Trip length
If you’re purchasing a single-trip policy, getting cover for a longer trip will be more
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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
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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
What types of policy can I get?
There are two different types of policies that will be applicable to your trip. These are:
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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.
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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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.
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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.
What does travel insurance for senior travellers cover?
Regardless of your age, there are some things that are automatically covered in your policy. Depending on your personal details and what you want added to your policy, each policy will differ slightly, but the following is what is usually covered in a travel insurance policy:
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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 important prescription medication, your insurance will help you pay for 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 arrangements have been disrupted, insurance will help you cover alternative transport or accommodation
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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 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 or winter sports
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
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Our expert says…
The insurance industry is still a little behind the curve when it comes to recognising the jet-setting aspirations of the over 75s. But the good news is that is slowly changing and cover – even for those with complex medical conditions – is becoming more common. The key here is preparation. Always take out travel cover as soon as you book a trip regardless of your age, but also give yourself plenty of time (we’re talking months if possible) to arrange extra medication, update prescriptions or get tests too.
Kate Hughes Money & Savings Expert
What countries does my over 75s travel insurance policy 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:
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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
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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.
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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.
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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.
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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.
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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.
Travel insurance guides and expert tips for over 75s
Keep up to date and find out all you need to know with our latest guides.
How to get your tailored quotes with MoneySuperMarket
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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
What else should I consider with over 70s travel insurance?
When considering over 70s travel insurance, it's important to be aware of factors like upper age limits and medical cover limits. Ensure the policy covers any medical equipment you may need and disclose any pre-existing medical conditions to your insurer. If you fail to disclose your medical conditions, you could risk invalidating your policy.
Do I need a GHIC?
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.
When should I start my policy?
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
Is there a cut-off age for travel insurance?
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.
Does travel insurance increase at age 75?
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.
Are medical belongings and equipment covered?
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.
Why is travel insurance more expensive for over 70s?
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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Reviewed on 24 Dec 2025 by
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.
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