Travel Insurance for Over 75s
Compare Travel Insurance for over 75s from our panel of insurers, including selected policies with no upper age limit and cover for pre-existing medical conditions. Choose cover that suits your needs.
- Travel Insurance options for travellers aged 75 and over
- Cover for hundreds of pre-existing medical conditions
- Medical screening available online or over the phone
- Compare quotes from a panel of specialist insurers
Can I Get Travel Insurance After 75?
Yes. Some insurers apply upper age limits, but others provide travel insurance for over 75s, and selected policies have no upper age limit. Your options will depend on your age, health, destination and trip length.
This matters most for longer holidays and Annual Multi-Trip policies, where maximum trip durations can reduce with age. Check the permitted length of each trip before buying.
What Does Travel Insurance for Over 75s Cover?
Cover depends on the insurer and policy level. It can include:
- Emergency medical expenses and repatriation up to £10 million
- Cancellation cover up to £22,500 per person, up to age 85
- Curtailment cover up to £12,500 per person
- Baggage cover up to £3,500 per person
- Missed departure cover up to £1,500 per person
Limits vary by policy and eligibility. Check your quotation and policy wording for the cover that applies.
Check the benefit limits, not just the list of benefits. Cancellation cover should reflect the non-refundable cost of your holiday, especially for a cruise or higher-value trip. Also check the excess and whether cruise or activity cover must be added.
Travel Insurance for Over 75s with Medical Conditions
Cover may be available for hundreds of pre-existing medical conditions. Declare every relevant condition, including conditions controlled by medication, so the insurer can assess your health accurately.
Medical screening asks questions related to the condition you declare. You may be asked about medication, recent treatment, hospital admissions or investigations.
TIP: It’s worth having these details nearby when starting a quote.
Medical Conditions We Commonly Help With
Heart and circulatory conditions
Including atrial fibrillation, angina, heart attack, high blood pressure and other cardiac conditions. Read about Heart Conditions Travel Insurance.
Diabetes
We compare policies for travellers living with both Type 1 and Type 2 diabetes. Find out more about Travel Insurance for Diabetes.
Cancer
Whether you are receiving treatment, living with cancer or in remission. Read our Cancer Travel Insurance guide.
Arthritis and joint conditions
Including osteoarthritis, rheumatoid arthritis or other joint conditions, it’s important to declare it when arranging your Travel Insurance. Find out more about Travel Insurance for Joint & Bone Conditions.
What Affects the Cost of Over 75 Travel Insurance?
The price is based on your age, destination, trip length, medical history, holiday cost and the cover you choose. For example, travel to the USA, longer trips, and higher cancellation limits can cost more because the potential claim costs are higher.
Compare the premium with the cover limits and excess. A cheaper policy may leave a larger shortfall if you cancel or make a claim.
Which Type of Policy Do You Need?
Single Trip Travel Insurance
Best for one holiday. Single Trip Insurance covers the dates and destinations shown on the policy. Cancellation cover can start when the policy begins, subject to its terms.
Annual Multi-Trip Travel Insurance
Useful for several holidays in 12 months. Check the maximum length permitted for each trip, as this varies by age and insurer.
Cruise Travel Insurance
Check whether cruise benefits are included or need to be added. Cover can include cabin confinement, missed port departure and itinerary changes. See our cruise travel insurance guide.
Higher-Value Holidays
You should match your cancellation cover to your non-refundable costs. It’s worth nothing that eligible policies may offer Boost Cancellation. If you already have travel insurance, Top-Up Cancellation Cover may be an option. Terms apply
What Should You Look for When Comparing Travel Insurance?
Once we’ve shown you the policies suited to you, don’t compare on price alone. Look at the differences between each option, including:
- Emergency medical expenses and repatriation limits
- Cancellation cover for the cost of your holiday
- The excess you would pay if you claim
- Maximum trip length
- Baggage and personal belongings cover
- Any cruise or activity cover you need
Bronze, Silver and Gold policies can offer different benefits, limits and excesses. Compare these alongside the price to choose the policy that best suits your holiday.
What’s Covered?
Whilst the right policy can be harder to find, some travel insurance for over 80s can include protection for needs such as pre-existing medical conditions. The important thing is to find the policy that covers what you need.
- Emergency medical expenses and repatriation up to £10 Million
- Cancellation cover up to £22,500 per person up to age 85
- Curtailment cover up to £12,500 per person
- Baggage cover up to £3,500 per person
- Missed departure cover up to £1,500 per person
- 24-hour emergency medical assistance
Exclusions vary between insurers. Depending on the policy, you may not be covered for:
- Medical conditions that were not declared
- Changes in health that should have been reported before travelling
- Travelling against medical advice or to receive planned medical treatment
- Travelling somewhere the FCDO advises against visiting
- Claims resulting from excessive alcohol consumption or drug use
- Cruises, winter sports or other activities where the required cover was not added
- Incidents you knew about before buying the policy
- Cancellation because you no longer want to travel
*Every insurer applies its own exclusions, conditions and claim requirements. Read the policy wording for the cover you are considering before purchasing.
Practical Checks Before You Travel
- Take enough medication for the trip, plus extra for delays, and keep essentials in hand luggage.
- Carry a prescription copy and check airline rules for liquids, needles and medical equipment.
- Tell the insurer if your health changes before departure when the policy requires it.
- Check cover for mobility aids, hearing aids or other medical equipment you are taking.
- Save the emergency assistance number and keep your policy details accessible.
- Check FCDO travel advice for every destination. For eligible European trips, apply for a GHIC.
- A GHIC helps with state healthcare but does not replace travel insurance.
Over 75s Travel Insurance FAQs
Can I get travel insurance if I am over 75?
Yes. Many travellers are in their 70s and beyond, so we compare policies from our panel of insurers that include selected policies with no upper age limit. Your age, destination, trip length and any pre-existing medical conditions will all influence the options available, so it’s worth comparing policies rather than assuming cover won’t be available.
Can I get travel insurance for over 75s with medical conditions?
Yes. We compare policies that can cover hundreds of pre-existing medical conditions, subject to medical screening and insurer acceptance. Simply declare all relevant medical conditions when getting a quote so we can compare suitable options from our panel of insurers.
What is the best travel insurance for over 75s?
The best travel insurance is the one that’s right for your holiday and your individual circumstances. Rather than comparing price alone, check the cancellation limit, emergency medical expenses, repatriation cover, excess, maximum trip duration and whether you need optional extras such as cruise travel insurance or activity cover.
What is the cheapest travel insurance for over 75s?
The cheapest policy is not always the best value. Prices depend on factors including age, destination, medical history, trip duration and cover level. Comparing policies allows you to weigh the premium against the protection, limits and excesses that apply.
Can I get Annual travel insurance if I am over 75?
Yes. Annual Multi-Trip travel insurance for over 75s is available, although the options and maximum trip durations vary between insurers. If you’re planning more than one holiday over the next 12 months, an annual policy could offer better value than buying separate policies for each trip. When you get a quote, we’ll compare policies from our panel of insurers to help you find the right cover for your age, destination and travel plans.
Can I get cover for a long holiday if I am over 75?
Many travellers over 75 take extended holidays, longer cruises and trips to visit family overseas. We compare single trip travel insurance from our panel of insurers, including policies that can cover longer stays, although the maximum trip duration varies between insurers. If you’re planning a higher-value holiday, remember to check your cancellation cover reflects the full cost of your trip.
When should I buy travel insurance?
It is sensible to arrange cover shortly after booking your holiday. With a Single Trip policy, cancellation cover can begin from the policy start date, helping protect prepaid costs if you later need to cancel for an insured reason.
Why do I need to declare my medical conditions?
Declaring all relevant pre-existing medical conditions allows us to compare policies that can provide suitable cover for your health. If a condition is not declared, it could affect your ability to claim if you need to cancel your holiday or receive emergency medical treatment abroad.
Can I get Cruise travel insurance if I'm over 75?
Yes. Cruises are one of the most popular holidays for travellers over 75, and we compare policies that include cruise-specific benefits, such as missed port departure, cabin confinement and itinerary changes, depending on the insurer and level of cover you choose. If you’re booking an expensive cruise, it’s also worth checking if your cancellation cover reflects the total cost of your holiday.
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