Find travel insurance for over 70s

Over 70 and need travel insurance? Compare your options to get affordable cover for what matters.


Fact checked

Don’t panic – you can still find travel insurance if you are over 70. It may mean that the cover and price is slightly different but the majority of insurers are still happy to offer you insurance.

Use our guide or run a quote to find out good, affordable travel insurance cover for your next trip.

Start your quote

How to find low cost over 70s travel insurance

Insurers tend to up the price for over 70’s travel insurance policies. But check out our top tips below and discover how you could save on your premiums.

  • Compare policies. One of the easiest ways to save is to compare a range of different policies. Whilst it is important to compare prices, remember to also compare policy features and benefits too. You don’t want to be left with inadequate cover.
  • Single trip vs annual multi trip. This depends on your individual circumstances and how much you are planing to travel, but it is important to note that annual policies tend to be more expensive than single for over 65s.
  • Avoid group insurance. Whilst you might read things that suggest group travel insurance policies save you cash, for over 70’s group insurance could actually be more costly than individual travel insurance policies. This is because often the overall insurance cost for the group is based on the traveller who poses the most risk, i.e the oldest traveller or the traveller with the most health conditions.
  • Do you need top coverage? If you are really looking to save on your travel insurance you might want to consider opting for a lower cover level. Whilst it is still important to make sure you have sufficient cover for your trip, a lot of providers offer lower cover that is both adequate and cheaper.
  • Don’t buy through a travel agent or airline. If you can avoid it, don’t pay through an airline or travel agent. You are more likely to find a better deal with a comparison site.

Over 70s and pre-existing medical conditions

A pre-existing condition is typically defined as an ongoing condition of which you are aware of or for which you have symptoms, are currently undergoing treatment, or have had surgery within the previous 12 months for.

Every insurer has a list of pre-existing medical conditions which they will and won’t insure, and an insurer’s exact list can be affected by the age of the policyholder.

There are some providers who will offer cover for people with a range of health conditions. Such as Travel Insurance 4 Medical and Medical Travel Insurance.

Common benefits of travel insurance

When you’re over 70, it’s a fact of life that you’re more likely to have to make an insurance claim than someone in their 20s. Age and deteriorating health are two factors that can’t be avoided, so taking out travel insurance is a sensible financial decision.

Travel insurance cover for people over 70 contains the same sort of cover as any other type of travel plan. This includes cover for:

  • Overseas emergency medical expenses. Medical repatriation back to the UK is also covered by many policies. Emergency dental cover is included, and most policies provide 24/7 emergency medical assistance, as well as overseas hospital expenses.
  • Cancellation fees and lost deposits. If unforeseen circumstances, such as illness or the loss of your job, force you to cancel your trip, your travel insurance policy will see that you are reimbursed for any non-refundable deposits or cancellation fees.
  • Luggage and personal effects. If your luggage is lost, stolen or damaged, your policy will cover the cost of its repair or replacement.
  • Travel documents. If your important travel documents, travellers cheques or credit cards are lost or stolen, travel insurance has your back.
  • Travel delay expenses. If your trip is delayed due to circumstances outside your control, your policy will cover any additional accommodation or meals expenses.
  • Luggage delay. This cover benefit provides for the cost of emergency clothing and toiletries when a travel provider misplaces your luggage.
  • Rental vehicle excess. If your rental vehicle is stolen, damaged or crashed, your policy provides cover for the expensive rental company excess you would otherwise have to pay.
  • Personal liability. If your negligence causes a third party to suffer an injury or property damage, all travel insurance policies provide cover for your legal liability.

Start your quote

Things to consider when choosing over 70s travel insurance

  • Price. Though it’s quite easy to find travel insurance cover for over 70s, you can expect to pay more for your policy. The simple fact is that the more risk you pose to an insurer, the higher your premiums will be.
  • Health. Your age and health status will obviously be two big factors that affect your premiums, along with other issues like where you will be travelling and the experiences and activities you plan on participating in. An extra fee may also apply for certain medical conditions.
  • Age limits. One thing you need to consider is the age limit on competing policies. Some insurers offer cover up to the age of 81 or 84, while others will even keep you insured up to 110 years of age. Keep in mind also that some policies will only insure trips of a certain duration for customers over a minimum age (often 65 or 70 years).

How to make a claim

If you are involved in an event that may lead to a claim, you need to notify your insurer as soon as possible. In addition, you’ll need to report any loss, theft or damage to the police, your airline or any relevant authority while travelling. Obtain police reports or written confirmation of you doing so.

Many insurers allow you to fill in a claim form online, but this can also typically be sent in by mail or completed over the phone. You’ll need to provide details such as your name, policy number, and the details of the event that resulted in your claim.

Your insurance provider should keep you updated on the progress of your claim, with most claims typically processed within 10 working days.

Travel tips for seniors

When looking for a travel insurance policy, ensure that you find one that matches up with your needs. Questions you should ask yourself before heading off include:

  • What types of activities will you be participating in while away?
  • How long are you planning on travelling for?
  • Will you be looking for multi-trip cover or just insurance for a single adventure?
  • Do you need increased cover for your personal effects?
  • Does your policy provide the necessary cover for any pre-existing medical conditions you may have?

Considering all these factors will help you find the best policy for your situation.

There are also some other handy tips seniors can follow when planning an overseas trip, including:

  • Consulting your travel agent for any travel advice for seniors
  • Researching medical facilities in the areas you’ll be travelling to
  • Checking that things like wheelchair access and seating needs will be catered for well in advance
  • Checking to see if the countries you are travelling to have a reciprocal healthcare agreement with UK
  • Getting a complete medical check-up from your doctor and discussing any health concerns you may have
  • Having a dental check-up
  • Ensuring that your medications are legal overseas and that you will be able to take them through customs
  • Making sure you pack enough medication for the duration of your trip

Travel is completely unpredictable and exposes you to an extensive range of potential risks. In order to guarantee that those risks don’t ruin your holiday and leave a big hole in your finances, travel insurance can offer the cover you need. Even if you’re aged well over 70, it’s still entirely possible to take out essential cover for your next trip away.

Over 70’s travel insurance providers

Data indicated here is updated regularly
Name Product Maximum Medical Cover Offer Details
Single, annual, Winter sports, golf or cruise cover.
Over 1,300 medical conditions covered
Kids go free, plus couple discounts.
Choose from single-trip, multi-trip, long stay and Winter sports cover.
Barrhead Travel
Kids covered for free on family policies
Barrhead’s policies are underwritten by Travel Insurance Facilities and Insured by Union Reiseversicherung AG, UK
Big Blue Cover
- is a trading style of Rock Insurance Services Limited.
15% online discount
Boots travel insurance policies are underwritten by Travel Insurance Facilities plc.
Choose from single trip, annual multi-trip and winter sports cover.
Student discount available for those with a valid NUS account.
Fortify Travel Insurance
Single, annual, Winter sports, cruise, backpackers and business insurance. Policies are provided by ROCK Insurance Group.
Insurefor Travel Insurance
Free kids cover available is part of ROCK Insurance Group, policies are underwritten by EUROP ASSISTANCE S.A
Kids covered for free with an adult policy.
Jet2 travel is a representative of ROCK Insurance Group and underwritten by EUROP ASSISTANCE S.A.
Leisure Guard
This policy is arranged by ROCK Insurance Group, policies are provided by Catlin Insurance Company (UK) Ltd.
Medical Travel Insurance
Medical Travel Insurance is an online comparison website for those with pre-existing medical conditions requiring travel insurance.
MidCounties Co-Operative Travel
Kids go free
MidCounties Co-Operative Travel Insurance is arranged and administered by ROCK Insurance Group, policies are underwritten by EUROP ASSISTANCE S.A
MRL Insurance
MRL Insurance Direct is a trading style of ROCK Insurance Services Limited, policies are underwritten by Europ Assistance
Post Office Money
Choose from single trip, annual multi-trip or backpacker cover.
TopDog Insurance
15% off code
Find cover for single trip, annual multi-trip, gap year trips , long stay and Winter sports.
Travel Insurance 4 Medical
Specialise in cover for those with medical conditions.
Virgin Money Travel Insurance
Virgin Group discounts available.
Voted Best Direct Travel Insurance Provider 2018 at the Your Money awards.
World First
Choose from single, annual multi-trip, backpacker, cruise and Winter sports cover.

Compare up to 4 providers

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site