Senior travel insurance

Compare cheap quotes for older travellers with[1]

Covid-19 (coronavirus) – important information

From 17th May 2021, a travel traffic light system is being introduced and trips to green list countries will be legally permitted if you live in England. Strict border control measures will remain in place for your return to the UK.

Before you buy, you should consider the implications of your destination moving from a green list country to amber or red as you may incur additional costs and/or face travel restrictions that will not be covered by your travel insurance.

The traffic light rules only dictate what you have to do on returning to England – so even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth & Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you will not be covered by any travel insurance policy you purchase.

A few insurers do offer cover If you are an essential traveller, however if you are in doubt or have any queries, please check the policy wording, or contact your chosen provider before purchasing.

Until dates have been set to permit non-essential international travel from Scotland, Wales and Northern Ireland it is important that you follow all the rules that apply to your country of residence.

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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