Senior travel insurance

Compare cheap quotes for older travellers 

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.

senior travel insurance

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, Money Helper has a directory of insurance providers that may be able to help.

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[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.