Exactly what's covered depends on your policy and provider. But, travel insurance generally includes:
Specialist over 60s travel insurance often includes enhanced cover, such as:
Each policy will differ, so it's important to read your policy documents carefully to understand any exclusions.
Yes, it's possible to find travel insurance if you have a medical condition. But it may cost more, as you're more likely to require medical care during your trip and claim for it on your insurance.
Pre-existing conditions are more common in older travellers, with 95% of adults over 60 having at least 1 medical condition. Specialist policies are sometimes designed with this in mind, offering higher levels of medical cover.
It's important to declare any medical conditions you have when you buy insurance. If you don't tell your insurer and end up needing medical treatment during your trip, your claim might be rejected. That means you might have to pay for any medical treatment yourself.
When you fill in our quote form, we'll ask about any medical conditions you have. Then, we'll show you quotes from providers who can offer you cover. If you can't find travel insurance that'll cover you, the Money and Pensions Service (MaPS) has a directory of insurers that offer travel insurance for pre-existing conditions. You can also phone them for free, impartial advice on 0800 138 7777.
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Standard travel insurance doesn't cover everything. But you can buy extras or add-ons to cover things your standard travel insurance might not cover. Insurance policy add-ons will depend on the insurer, but let's take a look at some common ones:
"Specialist policies aren't always necessary, but can be worth considering if you're someone with medical needs that aren't covered by standard insurance. Getting a specialist policy can give you peace of mind that you'll be covered in an emergency. You'll be able to enjoy your holiday and relax knowing you're covered."
The best way to get the best cover is to shop around. Comparing quotes and looking into what cover is available can help make sure you get the right policy for your needs.
Follow the steps below to find out what cover you need:
1Correct as of February 2025
Most insurers will cover travellers at least up to the age of 75. It's possible to get specialist travel insurance for over 70s. Some insurers, like Outbacker, specialise in providing cover to younger travellers.
Age limits can also depend on whether you choose annual or single-trip insurance. Sadly, annual insurance often as a lower age limit. So, if you're aged 75 or over, single-trip cover might be the best way to go.
Not all providers have an age limit though, and some specialise in cover for older travellers. It's best to look around and compare quotes with us to find a policy that works for you.
Different insurers will have different policy restrictions. Some policies will cover shorter periods of time as travellers get older.
It will also depend on whether you have a single-trip policy, a multi-trip policy or a long-stay policy.
If you're planning to go away for a longer period of time, you might be better off with long-stay insurance. These generally offer longer-term cover and more flexibility if you want to extend your stay. There might still be limits to long-stay policies for older travellers, so it's important to check your policy documents to make sure you're covered.
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