Travel insurance for over 75s is designed for travellers aged 75–79 who want protection while abroad. It differs from generic senior or over‑80 policies, which may have higher premiums and stricter medical requirements.
This cover is ideal for retirees, frequent travellers, or anyone in their late 70s looking for medical, cancellation, and baggage protection.
Availability and eligibility
Many mainstream insurers, specialist travel insurers, and brokers offer policies for travellers over 75. Some focus on healthy travellers, while others cater to those with pre-existing medical conditions. Policies may vary in price, cover limits, and eligibility criteria.
How age affects cover
Age can influence pricing, medical underwriting, and maximum trip duration, so checking eligibility before requesting a quote ensures you get suitable cover.
Yes. Travel insurance is especially important for travellers over 75 because health and travel risks increase with age. Even short trips can carry unexpected medical costs or other disruptions.
Why it’s important
Emergency medical care: Older travellers are more likely to need hospital treatment abroad. Policies often include medical cover up to £1 million or more, depending on the insurer.
Medication replacement: If your prescription medicine is lost or delayed, travel insurance can cover emergency replacements.
Mobility aids: Wheelchairs, walking frames, or other mobility devices may be lost or damaged, and many policies will cover repair or replacement costs.
Trip cancellation or interruption: Illness or a medical emergency can force you to cancel or cut short your trip, and insurance can reimburse non-refundable costs.
Emergency assistance: 24/7 helplines provide medical advice, hospital transfers, or repatriation if needed.
Typical cover highlights for over 75s
Medical emergencies: Usually £1 million+ for treatment abroad
Emergency assistance: 24/7 support for hospital admission or repatriation
Baggage and personal items: Protection for luggage, mobility aids, and valuables
Trip disruption: Cover for cancellation, interruption, or delayed travel
Travel insurance prices increase as you get older, so travellers over 75s are likely to pay more for their travel insurance policy than younger holidaymakers. While the average cost of holiday cover for travellers aged 18 to 49 is £17.69
The majority of MoneySuperMarket customers in this age range currently pay this price or less for travel insurance.
The majority of MoneySuperMarket customers in this age range currently pay this price or less for travel insurance.
Travel insurance for travellers over 75 typically includes medical, cancellation, and baggage protections, though coverage can vary depending on your personal details, health, and optional add-ons.
Medical expenses – Emergency treatment abroad, including hospital stays, surgeries, or urgent care. Policies often cover £1 million or more, but limits vary by provider.
Medical aids – Wheelchairs, scooters, or other mobility equipment are usually protected against loss, theft, or damage while travelling.
Medication – Replacement of important prescription medicines if they are lost, stolen, or delayed.
Repatriation – Costs of returning home in an emergency, including ambulance or medical transport.
Baggage – Compensation for lost, stolen, or damaged luggage and valuables.
Cancellation and travel disruption – Cover for cancelling or cutting short your trip due to illness, emergency, or unforeseen events. Policies may also cover alternative transport or accommodation if your plans are disrupted. Evidence like receipts, tickets, or travel confirmations is usually required for claims.
Non-disclosed pre-existing conditions – Any condition not declared to your insurer when applying.
Airline strikes – Airlines are typically responsible for strikes or delays and arranging alternatives.
High-risk activities – Injuries from activities such as rock climbing, winter sports, or extreme sports are usually excluded unless you buy extra cover.
Accidents under drugs or alcohol – Claims are excluded if accidents occur while under the influence.
Travelling against FCDO advice – No cover for trips to countries the FCDO advises against visiting.
Missed flights – Claims aren’t covered if caused by poor planning or personal error.
Choosing not to travel – Cancellation cover won’t pay if you simply change your mind.
Excess – You must pay a pre-set contribution toward each claim.
Travel insurance prices increase as you get older, so travellers over 75s are likely to pay more for their travel insurance policy than younger holidaymakers. While the average cost of holiday cover for travellers aged 18 to 49 is £17.69
The majority of MoneySuperMarket customers in this age range currently pay this price or less for travel insurance.
The majority of MoneySuperMarket customers in this age range currently pay this price or less for travel insurance.
Travellers over 75 can choose from several types of travel insurance policies, each suited to different travel habits and trip lengths.
Covers one trip abroad. You can often include multiple countries, but you must ensure all destinations are listed in your policy.
Typical trip length: Up to around one month
Best for: Older travellers taking occasional holidays or short breaks
Covers all trips within a 12-month period. Some policies limit coverage for destinations like the USA, Canada, or the Caribbean, which may require an extra premium.
Typical trip length: Each trip has a maximum duration of around 31 days
Best for: Retirees or frequent travellers taking several short trips in a year
Designed for extended trips to multiple destinations, sometimes lasting several months. Policies provide continuous coverage for the entire journey, including medical emergencies and baggage protection.
Typical trip length: A year – or maybe longer
Best for: Older travellers planning longer overseas adventures or multi-country trips
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.
Yes. It’s essential to disclose any pre-existing medical conditions, or if you are awaiting test results or a diagnosis, before buying travel insurance. Failing to do so could invalidate your cover and leave you responsible for any medical costs abroad.
Some conditions, such as heart problems, high blood pressure, diabetes, asthma, or epilepsy, may be covered automatically, while others might require an additional premium. Your insurer may also request medical history or a doctor’s screening before confirming cover.
Certain policies may exclude pre-existing conditions, meaning you cannot claim for related medical issues. However, specialist policies for travellers with pre-existing conditions are available, usually at a higher cost, and may still include some exclusions.
Checklist: Preparing your medical evidence before travel
List all current and recent medical conditions
Gather prescriptions and medication details
Bring recent test results or hospital letters, if relevant
Note any pending diagnoses or treatments
Check if your insurer requires a medical screening before confirming cover
Being fully prepared helps ensure your policy accurately reflects your health, reducing the risk of claim disputes while travelling.
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When buying travel insurance for over 70s, there are several important factors to check to ensure you’re fully covered:
Upper age limits
Some policies cap the maximum age for eligibility. Make sure your chosen policy accepts your age and check if there are any restrictions on trip length for older travellers.
Excess
Policies may have a per-person excess or a per-group excess if you’re travelling with others. Knowing this helps you understand how much you’ll pay out of pocket in the event of a claim.
Medical cover and pre-existing conditions
Check the maximum medical expense limits, including emergency treatment and repatriation.
Ensure the policy covers any medical equipment you bring, like wheelchairs or mobility aids.
Always disclose pre-existing medical conditions, as failing to do so could invalidate your policy.
Cancellation and trip length limits
Review cancellation cover limits and maximum trip durations, particularly if you’re planning a long holiday.
By checking these details, older travellers can make sure their policy provides adequate protection for health, baggage, and travel disruptions.
A Global Health Insurance Card (GHIC) provides access to state-provided healthcare in EU countries, allowing you to receive treatment on the same terms as local residents. However, a GHIC is not a replacement for travel insurance.
Gaps a GHIC does not cover
Even with a GHIC, you’ll still need travel insurance to protect against:
Medical costs outside the EU – GHIC is only valid in EU countries.
Trip cancellations or interruptions – Reimbursement for non-refundable flights or accommodation.
Lost, stolen, or damaged baggage – Cover for luggage and personal items.
Repatriation – Costs of returning home in an emergency.
Emergency assistance and support – 24/7 help lines, hospital transfers, or urgent travel arrangements.
For seniors, these gaps are particularly important, as medical emergencies, delayed luggage, and cancellations can carry significant financial risk. Travel insurance ensures you’re fully protected, even if you have a GHIC.
It’s best to buy your travel insurance as soon as you book your trip. Early purchase ensures you’re covered if you need to cancel your holiday before departure.
Why early purchase matters
Cancellation protection: You may be able to claim for non-refundable flights, accommodation, or holiday packages if your plans change.
Waiting periods: Some policies have short waiting periods before certain cover begins. Buying late could delay your ability to claim.
Peace of mind: Having a policy in place early means you’re protected against unexpected events.
Common reasons cancellation may be covered:
Illness or injury
Redundancy
Bereavement
Administration or closure of a holiday company
Starting your policy when you book ensures maximum protection for both medical emergencies and trip disruption, which is especially important for travellers over 75.
There isn’t a strict cut-off age for travel insurance, but options can become more limited as you get older, especially after 75. Some providers may set maximum age limits, while others offer policies with no upper age restriction.
Alternatives for older travellers
Specialist insurers – Focus on travellers over 75 or with pre-existing medical conditions.
Insurance brokers – Can compare multiple providers to find suitable cover for higher-risk or older travellers.
Health conditions also affect eligibility, as insurers set their own limits on which conditions they will cover. By exploring specialist providers or using a broker, you can usually find a policy that meets your needs as you age.
Yes. Travel insurance premiums usually rise after age 75. Most insurers use age banding, increasing the cost for older travellers in defined brackets, often annually.
Key points to keep in mind:
Age isn’t the only factor: Destination, trip length, cover level, and pre-existing medical conditions also influence premiums.
Declare your medical history: Fully disclosing conditions ensures your policy is valid. Failing to do so could invalidate claims.
Shop around: Comparing policies can help you find the best balance of cost and coverage, as premiums can vary widely between providers.
Even after 75, careful comparison and full disclosure can help you get suitable cover without unexpected gaps or surprises.
Yes. Over‑75s travel insurance usually includes cover for medical equipment and aids you take on your trip, such as wheelchairs, walking frames, or mobility scooters.
How cover works:
Loss or damage: If your equipment is lost, stolen, or damaged, insurers will typically reimburse you up to the policy limit.
Evidence required: You may need to provide proof of ownership (receipts, invoices, or photographs) and details of the item’s value.
Hire or replacement costs: Many policies cover the cost of hiring replacement equipment if yours is unavailable.
Medication: Policies can also cover prescription medicines if they are lost, stolen, or delayed during your trip, ensuring you have essential treatment until you return home.
Having this cover provides peace of mind for older travellers, ensuring you’re protected if medical aids or medications are unexpectedly unavailable while abroad.
Specialist insurers for over 75s include:
AllClear — No upper age limit; strong for medical conditions.
Just Travel Cover — No upper age limit; works with multiple specialist underwriters.
Total Travel Protection — Built specifically for older travellers; over‑75s explicitly welcomed.
List everything you’ve been diagnosed with, plus recent tests or referrals.
Use the insurer’s medical screening and answer exactly as asked.
Declare all conditions, even if stable or well‑managed.
Update your insurer if medication or diagnoses change before you travel.
Keep confirmation emails and policy documents in case you need to claim.
Your conditions
What you’ve been diagnosed with
When it started
Any recent symptoms or flare‑ups
Your treatment
Medications you take
Recent changes to prescriptions
Hospital visits, surgery or referrals
How stable things are
Whether your condition is well‑controlled
Any unplanned GP or hospital appointments
Tests or results you’re waiting for
GHIC gives you access to state healthcare in the EU/EEA, but nothing more. It is worth having as some travel insurers don’t pay out for medical claims unless you hold a GHIC.
Airline liability only covers issues the airline causes, like delays or lost bags.
Travel insurance is the full safety net — medical costs, repatriation, cancellations, lost baggage and possessions, and more.
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Yes, you can earn SuperSaveClub rewards when you buy travel insurance through MoneySuperMarket.
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Up to £5
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Yes, travel insurance is included in our Super Save Price Promise.
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Reviewed on 19 Mar 2026 by
Senior Commercial Manager
The number of providers for travel insurance in March 2026
Data based on the average price of travel insurance sold through MoneySuperMarket for age 75-79 in March 2026.
Data based on the average price of travel insurance sold through MoneySuperMarket for age 70-74 in March 2026.
