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SENIOR TRAVEL INSURANCE

COMPARE HOLIDAY INSURANCE FOR SENIORS

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Compare holiday insurance quotes from 47i trusted UK providers

Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.

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Can pensioners get travel insurance?

Yes, travel insurance is available for older people, but it may be more expensive due to the higher risk category placed on travellers over 65. This is because there is a greater likelihood of needing to make a claim or having existing medical conditions. When comparing travel insurance for over 75s, you'll likely find prices increase annually or every five years depending on the provider.

Although seniors' travel insurance can be more expensive it typically offers better coverage in important areas such as medical and emergency assistance.

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What types of policy can I get? 

There are three types of travel insurance for seniors that can cover holidays of different lengths:

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    Single trip travel insurance

    A single trip policy will cover you for a one-off holiday and ends when you return home. The maximum length for this type of cover is usually no longer than 180 days

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    Annual multi-trip travel insurance

    This policy will cover multiple holidays, normally within a year. This type of cover can be cost effective for frequent flyers, as your trips throughout the year will be covered instead of having to purchase new cover for every trip

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    Long-stay cover

    Sometimes called backpacker insurance, this policy will cover you for stays in multiple countries, an extended travel period and for a wider range of activities

What does holiday insurance cover?

Travel insurance policy inclusions and exclusions vary. The following information provides a general overview of common travel insurance inclusions and exclusions. Always read your policy documents thoroughly to understand what is and isn't covered before your trip.

What policy extras can I include? 

There are a wide range of options when it comes to travel insurance policies. Here are just some of the add-ons you can get:

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    Passport cover

    Losing your passport on holiday can be stressful, but knowing you have passport cover can alleviate the stress. This type of policy can insure you for the cost of a replacement or waive the excess claim fee. The exact type of passport cover you’ll get will depend on the provider, so check exactly what they offer

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    Cruise cover

    If your cruise trip isn’t as smooth sailing as you planned, cruise cover can compensate you for any issues. This specialist insurance will protect you for problems such as cabin confinement, cruise interruption and also offers missed port cover

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    Missed departure

    Sometimes your flight may be unable to go ahead, and you can be covered for this with a missed departure policy. With this cover, you can be insured for public transport delays, car breakdowns, extreme weather and road accidents. You won’t be compensated for missing your flight if it’s purely your fault e.g., if you spent too much time in duty-free

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    Gadget cover

    Although most travel insurance will cover your gadgets it may not insure your pricey devices. For added peace of mind, it might be a good idea to get gadget cover, to protect you in case your electronics are damaged or stolen

Have a pre-existing condition?

If you have a pre-existing condition, it is important for you to declare this on your application. Having a pre-existing condition will make your cover more expensive because it means you are more high-risk. However, if you don’t declare any medical conditions you suffer from, your policy will be rendered void if you try to make a claim. So, it’s essential that you’re honest about any ailments you have.

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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:

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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.

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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.

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.

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Choosing the best travel insurance for seniors

It’s essential that you choose a policy that covers your needs. Cheapest isn’t always the most comprehensive there are things you can do to get right policy at the right price:

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    Shop around

    Comparing quotes from several providers makes it easier decide whether the cost and features meet your needs.

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    Consider optional extras

    Extra add-ons, such as hospital benefit cover can enhance your coverage, however you should check what’s already covered under the policy you choose.

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    Check policy type

    If you’re a regular getaway-goer and then an annual multi-trip policy could save you more money in the long run, saving you from searching for a new policy every time you travel.

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    Increase your excess

    Selecting a higher excess can help lower your premiums. But if you do make a claim, you’ll have to pay more toward it.

Ready to compare quotes? Here's what to do next

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    Tell us about yourself

    Give a few details about you, your travel plans, and what you need cover for

  • 2

    We’ll do the legwork

    We’ll put together a list of travel insurance quotes, so you can pick one that works for you

  • 3

    You’re on your way

    Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip

Providers may have upper age limits for certain types of policies. However, policies for seniors can insure people up to 99 years of age. No matter what age you are, there are insurance options.

The EHIC/ GHIC scheme offer only limited protection for travellers in EU member countries. The only cover they get is for emergency medical treatments in state-run facilities. Travel insurance offers a lot more than this and it isn't recommended to consider GHIC a sufficient replacement.

You risk invalidating your policy. If you make a claim and the provider finds out that you have hidden medical conditions, your claim will be rejected. It's important that you are honest with your provider.

There are three types of policies to cover different destination groups.   

  • Worldwide   

  • Worldwide excluding USA, Canada, and the Caribbean   

  • Europe only  

The policy will only cover travel to countries covered by the policy. Policies will also exclude travel that goes against FCDO guidelines. 

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.