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Travel insurance for over 60s

If you're looking for a cheaper travel insurance quote, compare policies with our partner, theidol.com[1] 

  • Compare single trip and annual travel insurance policies
  • Get a UK only, European only, or worldwide travel insurance policy
  • Find travel insurance that includes healthcare cover and cancellation cover


Get the right travel insurance in your 60s

Over 60 and looking to travel? Compare travel insurance quotes and see if you could save. 

Key points

  • Insurance companies view you as more of a risk when you get older, so your insurance policy may cost a bit more
  • You can get specialist policies for certain medical conditions, cruise holidays and a variety of sports and activities
  • Declare all health problems (including mental illnesses) when looking for your travel insurance. If you're not sure whether your health problem should be declared, it might be best to mention it just in case

Travel insurance can be confusing - do you want annual cover? A single-trip policy? What about any pre-existing medical conditions? Are they covered? 

Never fear – we'll give you a helping hand when it comes to understanding your over 60s travel insurance.

What insurance do travellers over 60 need?

The Office for National Statistics (ONS) discovered that UK residents spent over £43 billion on visits abroad in 2016.

Little wonder - who doesn’t want to be able to spend their savings on excursions, sight-seeing, and making memories in far-off lands?

What you really don’t want to overspend on is your travel insurance, or buy the wrong cover and be left in the lurch, so it’s important to choose the right over 60s cover.

Annual or single trip cover

If you’re going on only one jolly holiday this year, single-trip cover might be the one for you. 

If you’re planning multiple trips throughout the year, even if many of those adventures are on home turf in the UK, you may find that annual cover is more cost effective than multiple single trip policies. 

Cover for pre-existing medical conditions

Sun loungers

You’ll need to declare any pre-existing medical conditions, such as cancer, diabetes and heart conditions, when you’re getting a quote. 

And your mental health is equally as important when declaring pre-existing conditions

Questions relating to your health may seem invasive, but they are necessary to safety overseas.

Did you know...?

  • Insurance quotes including pre-existing medical conditions may be more expensive, but hiding your condition(s) could invalidate your policy should you need to make a claim

Your insurer will offer you a policy based on the facts you give, and if any of that information is incorrect, you may not be able to make a claim and your policy could be invalid. 

This is particularly worrisome if you're in a country where healthcare is particularly expensive, such as the USA.

Remember that serious conditions may be altogether excluded from your policy, but specialist policies are available for certain health concerns such as dementia. 

When comparing over 60s travel insurance quotes, check policy terms carefully to ensure you’re covered for what you need. 

Long stay travel insurance

If you’re lucky enough to be a retiree, one of the best things about the extra free time is being able to pop off on holiday whenever you feel like it, for as long as you want.

If you’re planning on an especially long getaway, chances are you might need a long stay policy. 

What classes as ‘long stay’ varies from insurer to insurer, so be sure to provide accurate information when inputting the duration of your holiday.

UK only, European or worldwide cover

Your destination is also important for insurers to know, so they can give you an accurate quote. 

If you’re planning on travelling in Europe, take a look at our guide on the European Health Insurance Card (EHIC).

Your EHIC only covers you for certain health treatments, so having travel insurance too could make you feel more at ease. 

If your trips take you to far-off places, such as the USA or the Caribbean, then you’ll need worldwide travel insurance


Most policies will cover your holidays in your home country, depending on how long your trip is.

We never expect something to go wrong when we’re taking a trip in the UK, but it’s better to be covered just in case. 

Double check which countries are included in your insurance quote before you commit, as some countries are included in packages you wouldn’t expect them to be in. 

Repatriation to the UK

Repatriation refers to returning a person back to their country of origin/citizenship. 

Repatriation is usually included in standard travel insurance policies and can be used if, for example, someone is seriously injured on holiday and needs to be brought back to their own country because they're unable to get there themselves. 

We hope you’ll never need to use this, but should the worst happen, you’ll benefit from having the peace of mind that you’re covered for it, so it’s worth checking out. 

Specialist over 60s travel insurance

There are specialist policies for certain medical conditions, cruise insurance, walking holidays and extreme sports – if you're feeling daring.

After all, age is just a number!

Is insurance more expensive for over 60s?

When you get older, some insurance companies believe there's a higher risk that you'll make a claim, whether you have any medical conditions or not.

This means that policy prices tend to be higher for over 60s. 

Top tips for cheaper over 60s travel insurance

  • The best way to save money is by working out what type of cover you need, and comparing prices to find the cheapest quote for that type of cover
  • Make sure you don’t pay for cover you don’t need, such as annual cover if you’re only going on one trip that year
  • Cover for couples or families may be cheaper than insuring yourselves individually

Be sure to read all the terms and conditions carefully before you commit to your policy, just to be sure you're covered for everything you might need. 

For more tips on saving money on your travel insurance, check out our guide

By Amy Smith