Over 60s Travel Insurance

The price is based on your age, destination, trip length, medical history, holiday cost and chosen cover. A short European break will usually be assessed differently from a long trip to the USA or Caribbean, where medical treatment can be expensive. Compare the cancellation limit and excess as well as the premium.

There really is no such thing as the “best” policy. Policies vary by insurer and you’ll want to look at who the claims company is too, should you need to make one. The best policy for you is the one that covers your full trip, declared medical conditions and non-refundable holiday cost. Check the medical and repatriation limits, excess, maximum trip length and any cruise or activity cover you need. Just Travel Cover was voted Best Travel Insurance Provider at the 2023 Insurance Choice Awards and Highly Commended in 2025, but the right policy still depends on your individual plans.

Holiday cover is available for hundreds of conditions through selected insurers, subject to medical screening. Declare every condition requested, even if it is well controlled or has not affected you recently. Our pre-existing medical conditions Travel Insurance guide explains what information you may need.

If you’re waiting for a diagnosis for symptoms you’re currently experiencing, we’re unable to provide cover until you have a confirmed diagnosis.

If you already have a confirmed diagnosis but are waiting for further treatment or investigation, cover may still be available. However, cancellation, curtailment or trip interruption won’t be covered if an appointment for the treatment or investigation conflicts with your trip, or if the condition you’re awaiting treatment or investigation for means you’re unable to travel.

Being on a waiting list does not affect medical cover while you’re away for conditions you’ve declared and that have been accepted for cover. If your diagnosis changes before you travel, let us know as soon as possible so we can advise you on the next steps.

If you’re travelling more often in your 60s, choosing between Single Trip and Annual Multi-Trip cover can make a real difference. Annual Multi-Trip Travel Insurance may suit you if you’re taking several shorter holidays throughout the year, while Single Trip cover may be a better fit for one main holiday or a longer stay.

Don’t assume Annual cover is automatically better value because you’re travelling several times. Maximum trip lengths can vary by age and policy, and every holiday taken under an Annual policy must fall within the permitted duration. Compare the cost and trip-length limits of Annual cover against separate Single Trip policies, particularly if you’re planning a mix of shorter breaks and longer holidays.

Yes. If you’re planning to make the most of having more time to travel in your 60s, selected Single Trip policies can cover longer holidays of up to 365 days. This could be useful for an extended stay abroad, a longer cruise or a once-in-a-lifetime trip.

The maximum trip length available will depend on factors such as your age, destination, medical history and the insurer, so 365 days won’t be available in every case. Enter your travel dates when getting a quote and we’ll show you the policies available for your trip.

Cruise cover is available through selected policies. Check whether benefits such as cabin confinement, missed port departure and itinerary changes are included, along with every destination and the full cruise duration. Read our over 60s cruise Travel Insurance guide.

Yes, you can usually include your partner or travelling companion on the same policy, subject to the insurer’s terms. Having cover together can be particularly important if one person’s health means you both need to cancel the holiday or return home early, where this is covered by the policy.

Each traveller will still need to provide details of their own pre-existing medical conditions during medical screening, so the policies shown take both travellers’ circumstances into account.

Your existing bank-account policy may be enough, but check it before every trip. Look at the age limit, maximum trip length, medical-condition rules, cancellation limit and cruise or activity cover. If the policy does not match the holiday, you may need an upgrade or separate Travel Insurance.

A GHIC can help you access medically necessary state healthcare in eligible countries. It does not cover everything, including repatriation, cancellation or baggage, so it should be used alongside Travel Insurance rather than instead of it.

Cover can be available for UK, European and worldwide holidays. Select the correct geographical area, include every destination and check the latest FCDO travel advice. Travelling against FCDO advice can affect cover.