Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.
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.
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:
Insurers will price your policy based on your holiday destination. This is because some destinations are riskier than others while, such as the USA or Canada, have more expensive medical costs.
Your trip duration will impact the cost of your policy, with longer trips typically being more expensive to insure.
Adding extra cover to your policy, such as winter sports cover or gadget cover, 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.
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.
There are two different types of policies that will be applicable to your trip. These are:
Single trip cover applies to one single trip abroad.
This type of insurance can cover multiple countries, but make sure everywhere you're visiting is included in your policy cover. For example, if you take out European single trip insurance, you wouldn't be protected if you travel outside the continent.
Most single trip providers will have a maximum trip length. This is usually around a month.
An annual multi-trip policy will cover all of your holidays over a year.
Like single trip insurance, it usually has a maximum length for each trip, typically around a month.
Policies may also limit where in the world you're covered. For example, it is common for worldwide policies to not include the USA, Canada or the Caribbean unless you specifically add on those countries. This usually comes with an extra charge.
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:
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
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.
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.
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:
Medical expenses: Insurance will cover the cost of emergency medical treatments you receive while abroad.
Medical aids: Medical equipment and accessories such as wheelchairs or scooters 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. You will usually need to show evidence such as receipts, tickets or travel times when making a claim.
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.
Excess: If you make a claim you must pay a pre-set contribution to the cost.
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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
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:
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
Insurance will cover you nearly globally with exceptions depending on your provider. Policies have the option to include or exclude USA, Canada, and Caribbean
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.
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.
Most travel insurance policies have a per-item cover limit for your belongings, which might not cover expensive electronics. If you’re travelling with high-value gadgets, this cover will ensure your valuables, such as smartphones and laptops, are insured for their full value.
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.
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.
Keep up to date and find out all you need to know with our latest guides.
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
When considering over 70s travel insurance, it's important to be aware of factors like upper age limits and medical cover limits.
You should also look at the cancellation limit and the excess you may need to pay, and check the policy covers any medical equipment you may need. You will also need to tell your insurer about any pre-existing medical conditions. If you fail to disclose your medical conditions, you could risk invalidating your policy.
Before you buy a policy, check if an excess applies per person or per group (if it’s a group policy) and always check limits on the length of the trip too.
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, a GHIC won’t provide cover for countries outside of the EU. What’s more, it also does not provide cover for lost luggage, flight cancellations, and so on.
It’s a good idea to buy your travel insurance policy when you book your trip. This means if you have to cancel your holiday before you leave, you should be covered. Having the right type of policy in place could mean you’ll be able to claim compensation for the money you lose on travel and accommodation. There may be a waiting period before you can claim too, so if you buy insurance at the last minute you may not be able to claim straight away.
Possible reasons for cancellation that may be covered by your policy include:
Illness or injury
Redundancy
Bereavement
Administration of a holiday company
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 plenty of providers that don't have age limits.
Health conditions are also important and different insurers will have set limits on which they will and won’t cover.
Yes, usually the cost of travel insurance rises after the age of 75. Most insurers band older customers into age brackets and may increase premiums annually after 75.
However, age is not the only factor insurers use when pricing policies and medical conditions will also impact the cost.
Over 70s travel insurance usually includes cover for any medical equipment you take on your trip. For example, devices that help you walk, including wheelchairs, frames or scooters may be covered for loss or damage. As with any item you may need to claim for, insurers could ask to see evidence that the item belongs to you, and documents showing how much you paid for it.
You can also be covered for the cost of hiring any necessary replacement medical equipment. Policies can also cover medication and prescriptions if yours are lost or stolen, or delays mean you run out before you get home.
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Reviewed on 3 Feb 2026 by
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Angela Fawcett
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