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Over 70s travel insurance

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  • Compare different travel insurance policy types, including single-trip, annual and long-stay travel insurance

  • Find travel insurance with cover for a range of pre-existing medical conditions

  • Tailor your policy with optional add-ons, such as gadget cover or cruise cover

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What is travel insurance for over 70s?

Over 70s travel insurance is travel insurance tailored to the needs of holidaymakers over the age of 70. Many providers offer specialist cover for older travellers, helping you find affordable cover.

Travel insurance for over 70s often includes features like enhanced medical cover, cover for more pre-existing conditions, and no upper age limit.

Can you get travel insurance for over 70s?

Yes, most providers offer travel insurance for over 70s. In some cases though, standard travel insurance might offer you enough cover. But, if you have more complex needs, like a pre-existing medical condition, there are providers that offer specialist cover.

Finding travel insurance that covers pre-existing conditions can be more difficult, and policies might be more expensive. But, having a policy in place means you’re protected if things go wrong during your trip.

Specialist policies can also offer additional cover for any medical equipment you might need to travel with. It’s also possible to find cover for a carer to travel with you.

If you’re struggling to find suitable travel insurance, MoneyHelper has a directory of insurers that offer cover for customers with pre-existing conditions. You can also phone them for free, impartial advice on 0800 138 7777.

What does travel insurance for over 70s cover?

Each provider and policy will be different. But, over 70s travel insurance should offer you the same cover as standard travel insurance. This could include:

  • Medical cover - If you need medical treatment during your trip, your medical bills are normally covered up to a set amount, for example £10 million. Specialist over 70s travel insurance might include extra medical cover, offering you a higher limit.
  • Medical equipment cover - If you need to travel with medical equipment, some specialist over 70s travel insurance can cover them in case they’re lost or stolen.
  • Repatriation cover - If you need to be transported home to continue treatment following illness or injury, your travel insurance can cover the associated costs.
  • Baggage cover - This can cover the cost of replacing your luggage if it’s lost or stolen. You’ll normally have a single-item limit as well as an overall limit, so check that these limits are enough to cover your belongings before you travel.
  • Cancellation cover - This can cover the costs of your trip if you have to cancel or cut it short due to certain unforeseen events.
  • Disruption cover - If you miss your flight because of circumstances outside your control, such as bad weather or public transport delays, your travel insurance can cover you.

What isn't covered by travel insurance?

All policies will have a set of exclusions. It’s important to read through these so you understand what you won’t be covered for.

Some typical exclusions for over 70s travel insurance are:

  • Travelling against FCDO advice - The Foreign, Commonwealth and Development Office (FCDO) issues travel advice for most countries. If there’s a warning in place and you travel anyway, travel insurance is unlikely to cover you.
  • Certain high-risk activities - Sports and activities that are considered ‘high risk’ are often not covered by standard travel insurance, or might have upper age limits. If you’re planning any activities during your holiday, check your policy carefully to see if you’re covered.
  • Incidents that occur under the influence - If you injure yourself or damage something while you’re under the influence of drugs or alcohol, you’re unlikely to be covered by your travel insurance.
  • Undeclared medical conditions - If you don't declare a medical condition and then need healthcare during your trip, your insurer won’t cover your costs.

What optional extras can I get with travel insurance for over 70s?

When you compare travel insurance quotes with us, you can choose from a few different policy add-ons, such as:

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Cruise cover

This can cover missed ports, unused excursions and cabin confinement.

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Gadget cover

This can cover valuable gadgets like smartphones or tablets. Some policies include a level of gadget cover as standard, so it’s important to read your policy details to check whether you need extra cover.

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Winter sports cover

If you’re planning on going skiing during your holiday, this can cover you for mountain rescue, piste closures and lost ski passes.

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Business cover

This can cover business equipment, like laptops or mobile phones, against loss or theft.

Do I need travel insurance if I have a GHIC?

The FCDO recommends having travel insurance even if you have a Global Health Insurance Card (GHIC). The GHIC gives you access to state-level healthcare in certain countries. It covers most of the European Union (EU), as well as a few countries outside of Europe.

But, the GHIC doesn’t cover everything. You’ll still have to pay for any private medical costs. Travel insurance can cover this, as well as a range of other situations, like lost luggage or trip cancellations.

It’s worth having a GHIC though - some travel insurance policies require you to use a GHIC alongside your travel insurance when accessing medical care. Failing to do so could mean any claims you make for medical cover are rejected.

How to get an over 70s travel insurance quote

To get a quote, here's what you'll need to do:

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Tell us about you and your trip

We need some information about your trip, such as where you’re going and how long you’re travelling for. We’ll also need to know your age and details of any pre-existing conditions.

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We'll do the hard work

We’ll compare your information against 441 leading travel insurance providers to come up with a list of quotes.

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Compare policies

All you have to do is carefully read through the policy details and compare prices to find the policy that works for you.

1Correct as of October 2024

Why compare over 70s travel insurance with Confused.com?

  • We work with 44 travel insurers1. This means you can quickly and easily compare different providers and policies. We’ll show you the Defaqto rating of each one, so you can purchase your policy with peace of mind that you’re making the right choice for you.

  • We make it quick and easy to compare over 70s travel insurance. It takes as little as 2 minutes to get travel insurance quotes with us. Helping you save time and money!

  • We’ll only show you policies that fit your criteria. So, if you have medical needs or want additional cover added, we’ll only show you policies that include these. 

What types of travel insurance are available for over 70s?

There’s 3 main types of travel insurance available. Let’s take a look at them, so you can decide which will offer you the best travel insurance for over 70s:

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Single trip travel insurance for over 70s

This covers a one-off trip, usually for up to 120 days. Single-trip travel insurance for over 70s might have shorter trip limits than it would for younger travellers, so read you policy carefully to understand what you're covered for.

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Annual travel insurance for over 70s

Also known as multi-trip travel insurance, this covers all your holidays over a 12 month period. If you’re planning several holidays in a year, it might be cheaper than buying separate single-trip policies each time.

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Long stay travel insurance for over 70s

Long stay travel insurance for over 70s can cover trips lasting between 3 and 18 months. Fewer insurers offer this type of cover to those over 70, so comparing policies can make it easier to find cover.

What our travel insurance expert says

"A perk of getting older is having more time to travel. If you're going abroad, think about taking out a travel insurance policy. Even though it can cost more once you're over the age of 70, travel insurance can cover the cost of things like emergency medical treatment or lost luggage. And without a policy in place, these could set you back thousands of pounds."

Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

Frequently asked questions

Is there an upper age limit on travel insurance?

Some providers can impose upper age limits, along with other limitations. For example, it's common to see an age limit of 75 on travel insurance, and some insurers might only offer cover for shorter trips. But shopping around is the best way to find what cover is available for you.

When should I buy travel insurance?

It's a good idea to buy your travel insurance as soon as you've booked your trip.

With a policy in place, you'll be covered if you need to cancel your trip for an unexpected reason before it begins. For example, illness or injury.

Can I include someone under the age of 70 on my over 70s travel insurance policy?

You might be able to, it depends on the policy and provider.

When you take out a quote with us, you'll be able to see which of our insurers can offer this.

How do I claim on my travel insurance?

You can make a claim on your travel insurance by contacting your provider.

Usually, most insurers require you to phone their claims team to make a claim. But, others can ask you to fill out a claims form online. If you're ever in doubt about how you should claim, contact your provider for guidance.

If you have a medical emergency, the process for making a claim is different. You'll usually be given an emergency number you can call for immediate assistance. So, ensure you make a note of it just in case you need to call it.

Do you have any tips for over 70s travelling?

To make your travels as smooth as possible, check out our top tips:

  • Bring all the prescription medication you'll need. Make sure that you'll have enough of your prescribed medication for your trip so you don't go without. You should also travel with your prescription letters, just in case airport security asks to see them.
  • Check vaccination requirements. Some countries require you to have certain vaccinations to enter. You can check if you'll need any through the NHS' Fit for Travel page.
  • Have a check-in with your GP. Before you set off on your trip, consider getting checked by your GP - just to make sure you're in tip-top shape for travel.
  • Sort airport assistance ahead of time. Do you need any help while you're travelling through the airport? If you need assistance, make sure you've alerted the airport at least 48 hours before your flight.
  • Let your bank know you're going abroad. Sometimes, using a card in a different country can be flagged as suspicious by banks. To prevent any problems, it's worth letting them know ahead of time.
  • Check that your passport is valid. Most countries require at least 6 months left on your passport before it expires. You can check whether you have enough time left on your passport by using our passport checker.

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Page last reviewed: 16 January 2025

Reviewed by: Alvaro Iturmendi

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