Cruise Travel Insurance for Over 70s
Planning a cruise in your 70s? It’s important to feel comfortable that you have the right cover for a trip at sea. We compare cruise Travel Insurance across a panel of UK insurers so you can quickly see policies that work for your trip. We specialise in comparing cover for 100s of medical conditions, for all ages. Simply take the quick medical screening and see over 70’s cruise Travel Insurance options.
- Cruise travel cover for 70+
- Cover for many medical conditions
- Cruise extras such as missed port departure
- Single trip and Annual Multi-Trip options
Can I Get Cruise Cover Over 70?
Yes. Many travellers experience once-in-a-lifetime cruise holidays well into their 70s and beyond. Whilst some insurers set an age limit on their policies, finding insurers who have no upper age limit is the best way to find cover over 70.
Our panel of insurers offer many policies to travellers in their 70s, with no upper age limit. That means many senior cruisers find policies that work for them, even those travelling with a pre-existing medical condition.
If you’re not sure what policies will be available to you, try our quote tool. Just enter some details and we’ll show you your options.
What Changes With Insurance When You Cruise After 70?
Travelling over 70 shouldn’t have a huge impact on your policy requirements, since most of what you need from your cruise cover stays the same. There are just a few factors that 70+ cruisers may need to be aware of.
Annual Multi-Trip cover
Some insurers set age and trip length limits for Annual Multi-Trip policies. If you have an existing policy, check that it covers your cruise. For a new quote, tell us your age, trip details, medical history and that you’re going on a cruise. We’ll show you the policies available from our panel.
Trip duration limits
Maximum days per trip can be shorter on policies for senior travellers. Selecting cruise-specific cover can help ensure you find the duration of cover you need. When you declare your trip duration, we show you the policies that cover it in its entirety.
Medical conditions
If you have a pre-existing medical condition, it’s important to declare it during medical screening. This helps us show you the policies available from our panel that can cover your medical history, so you can enjoy your cruise with greater confidence.
What’s Included in Over 70s Cruise Cover?
Cruise insurance cover over 70 is built from the same core protection as any travel policy, with cruise-specific extras added on top. Exactly what’s included, and the limit behind each part, varies by insurer and cover level. Use this as a guide to what to look for, then check the detail in the policy wording of any quote you compare.
Typical core cover
- Emergency medical treatment – This covers treatment you might need abroad, including the ship’s medical centre.
- Evacuation and repatriation – This covers getting you to a hospital or back to the UK, if medically required.
- Cancellation and cutting short – To protect your non-refundable costs if you have to cancel or come home early for an insured reason.
- Baggage and personal belongings – To cover lost, stolen or damaged luggage during your cruise trip.
Limits apply and vary by insurer. Check your chosen policy details to understand your exact cover.
Additional cruise benefits
Cruise Travel Insurance typically includes some additional benefits, protecting you in case something goes wrong during your cruise. These could include:
- Cruise interruption – For example, if you’re taken ashore for treatment.
- Cabin confinement – If the ship’s medical officer confines you to your cabin for medical reasons.
- Unused excursions – To cover pre-booked shore excursions if you were confined to your cabin or receiving treatment.
- Missed port departure – If an insured delay means you miss a departure from port.
- Itinerary changes – in the event the cruise operator has to cancel part of the itinerary due to weather or timetable restrictions.
Don’t forget, every policy is different. The exact benefits and amount of cover you receive can vary, so it’s important to declare your details carefully and choose the policy which covers your requirements.
Our Expert Says
“Just Travel Cover specialises in finding the right cruise cover for senior travellers, so the cruise you’ve been looking forward to can become a reality. If you’ve been turned away for a policy, don’t worry. We’ll compare your options across our panel of insurers who specifically cater to older travellers, and often cover hundreds of pre-existing conditions, too. If you’re not sure what cover you need, our team are on hand to talk it through over the phone.”
Dale Robinson
Marketing Director and Consumer Duty Champion
Over 70 Cruise Travel Insurance with Just Travel Cover
We have over 20+ years’ experience in the industry, and specialise in finding cover for travellers over 70 who might be travelling with a pre-existing health condition.
Our quick screening tool is designed to show you only policies that cover your age, your declared health conditions and your itinerary, so you can be sure you’re covered for your cruise.
If you’d like to talk about your policy options with our expert team, you can call us on 0800 294 2969.
Any Travel Insurance content we publish is reviewed regularly by a team of experts. That means the content you see is up to date and relevant for current industry guidance.
Authorised and regulated
JustTravelCover.com is a trading style of Just Insurance Agents Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 610022) for general insurance distribution. Registered in England, Company No. 05399196.
Cruise Travel Insurance for OVer 70s FAQs
Is there an age limit for cruise insurance?
Some insurers apply age limits to their policies. Just Travel Cover compares across a set panel of insurers who have no upper age limit on their policies, so you can find policies that work for your cruise. Our screening tool results will only show policies available at your age, so you can simply enter your details and review the available policy options.
How much is cruise holiday insurance for over 70s?
There isn’t a set typical figure, because each person’s policy requirements will vary depending on factors like their trip details and health conditions. Comparing across our panel shows you the actual range open to you.
Will my bank account Travel Insurance still cover my cruise after 70?
Some banks stop or limit your cover depending on your age. While some offer age-related upgrades, they usually come with extra costs and may not include cruise-specific benefits or cover for pre-existing medical conditions.
Just Travel Cover specialises in cruise Travel Insurance for older travellers, including those over 70. We work with a panel of trusted insurers, so whether you’re in your 70s, 80s or even 90s, we’ll help you find the right cruise cover for your next adventure.
How far ahead can I buy cruise insurance?
We can usually arrange cover up to 18 months before you travel. On a single trip policy, cancellation cover starts as soon as you buy, so it makes sense to arrange it when you book the cruise to make sure your non-refundable costs are protected
What is the best cruise insurance for over 70s?
The right cover for a 70+ year old embarking on a cruise depends on factors like their cruise port locations and whether they need cover for pre-existing medical conditions. To see the best option for you, we recommend comparing across insurers to see the cost and benefits of each different policy. To get started comparing your options, try our online tool.
Can my travelling companion be covered if my medical condition affects our trip?
If you’re insured together on the same policy, cover may apply if one traveller’s declared and accepted medical condition causes both of you to cancel or cut the trip short for an insured reason.
The exact cover depends on the policy terms and circumstances, so check the cancellation and curtailment sections of your policy to understand how this applies to everyone travelling.
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