Senior travel insurance

Compare cheap quotes for older travellers with[1]

Travel insurance - Important Coronavirus update

As of 04:00 BST on 4 October, the current traffic light system will change for travel abroad.

The new system will be simplified to just a red list. However there’s still a risk that non-red countries could move to the red list on short-notice.

A PCR test is required on day two of your return from a non-red list country.

If a traveller has not had two vaccinations, a covid-19 test is still required ahead of travel as well as PCR tests on day two and eight of your return. Test to release is also available to reduce the self-isolation period.

Some insurers might not offer covid cover to unvaccinated travellers so check your policy details.

Make sure you check the FCDO advice before travelling and the entry requirements for your destination.

senior travel insurance

Travel insurance for pensioners

The older you get, the more expensive your travel insurance will be.

This is mainly because those in older age groups are more likely to have a pre-existing medical condition or are more likely to claim for expensive medical treatment.

Some travel insurance policies also have upper age limits that you might not be eligible for.

The good news is policies for older travellers tend to provider higher levels of cover for things like medical treatment, so you can still get good value for money.

In 2020, the average premium price for a single-trip policy for a 26 to 34-year-old with medical conditions costs £29.81

The same cover for a 61 to 70-year-old with medical conditions cost more than double that, at £67.78[2]

What does senior travel insurance cover?

Here are a few things you’ll be covered for:

  1. Loss, theft or damage to your medication or medical equipment

  2. Mobility aid cover

  3. 24-hour medical emergency treatment

  4. Loss, theft of or damage to your luggage and personal belongings

  5. Repatriation

  6. Trip cancellation, curtailment or delays

Why is it important to disclose pre-existing medical conditions?

Not telling your insurer about pre-existing medical conditions means they could refuse to pay out if you become ill due to an existing condition and try to make a claim.

You should let your insurer know about any existing medical conditions you have. That includes chronic conditions like:

  • High blood pressure
  • Heart conditions
  • Cancer
  • Dementia
  • Stroke

Every insurer has their own definition of a pre-existing condition. If you’re not sure just call the insurer and ask. It’s better to be honest and know what you’re covered for.

Cover for serious medical conditions

Although you can compare quotes through us for cover that includes medical conditions, it can be harder to find cover for more serious health issues. If you struggle to find cover for your condition, the Money Advice Service has a directory of insurance providers that may be able to help.

[1] introduces customers to which is authorised and regulated by the Financial Conduct Authority.'s relationship with is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[2]Average price purchased data recorded by for single-trip travel insurance for those with medical conditions, split by age group, between 1 January and 31 December 2020.

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