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2Correct as of July 2024
Over 70s travel insurance is tailored for those aged over 70. It can offer cover for the unique problems older travellers might face while abroad.
With the right cover in place, you can have the peace of mind that you're protected against the unexpected. For example, stolen luggage and flight delays.
You can get standard travel insurance cover aged over 70. This can cover you for general things that can go wrong while travelling. For example, unexpected cancellations.
But a specialist policy can cover you for things standard travel insurance won't. This could include things like:
Over 70s travel insurance can also cost more than a standard policy. This is because specialist policies tend to offer higher levels of cover than standard ones.
The level of cover you could get depends on your personal circumstances and what policy type you have.
But, to give you an idea of what you might get, here's what over 70s travel insurance usually covers and excludes:
Some insurers can be a little reluctant to insure those over a certain age.
But that doesn't mean you can't get travel insurance. In fact, there's 3 main types of travel insurance usually available to those aged over 70. These include single-trip, annual and long-stay travel insurance.
Let's take a look at these 3 policy types available to you, including when they might be an ideal option for you:
"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."
The best travel insurance is going to be the one that suits your needs. So, depending on your trip, you might like to consider a policy add-on. You can add it as an optional extra for a cost, and it can offer enhanced, tailored coverage.
Let's take a look at them:
How much over 70s travel insurance costs depends on your personal circumstances, as well as the nature of your trip.
But, to give you an idea, here's some of the cheapest policy prices:
| Policy type | Policy cost |
|---|---|
|
Single trip travel insurance
|
£11.851
|
|
Annual travel insurance
|
£49.663
|
|
£17.454
|
1The cheapest single-trip travel insurance policy, based on 1 adult aged 70 with no pre-existing medical conditions, travelling in Spain for 1 week. Confused.com data, July 2024.
3The cheapest European annual travel insurance policy, based on 1 adult aged 70 with no pre-existing medical conditions. Confused.com data, July 2024.
4The cheapest single-trip travel insurance policy, based on 2 adults aged 70 with no pre-existing medical conditions, travelling in Spain for 1 week. Confused.com data, July 2024.
There's a few different things that can affect the price of travel insurance. These include:
Yes, you should be able to get over 70s' travel insurance with a pre-existing medical condition.
Policies can often cost more for those with pre-existing conditions. But, it's important to declare them when you get a quote. If you don't and need to receive medical treatment while away, you won't be able to claim.
It's also worth checking if your policy covers medical equipment and medication. Some insurers offer cover for these as standard, but others might not.
If you're unable to find suitable cover, don't worry. The Money and Pensions Service (MaPS) has a directory of insurers who offer cover to customers with medical conditions. You can also phone MaPS for free, impartial advice on 0800 138 7777.
Yes, you should still think about getting travel insurance even if you have a Global Health Insurance Card (GHIC), or a European Health Insurance Card (EHIC).
These cards can grant you state-level healthcare in countries within the European Union (EU). Usually, at the same price as what citizens of the country pay. This means that you can still be left vulnerable to costly medical bills.
This is why travel insurance is important. It can give you the peace of mind that you're protected financially for any medical treatment you need. Plus, it can also offer cover for non-medical problems, like lost, stolen or damaged luggage. It's a no-brainer.
This depends on your insurer.
Some providers can impose upper age limits, along with other limitations. For example, a reduced length of time covered for certain policies. Or, specialist cover needed for serious medical conditions.
But, by shopping around, you should find that you're able to find travel insurance to cover you.
It's a good idea to buy 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.
You might be able to, it depends on the policy and the provider.
When you take out a quote with us, you'll be able to see which of our insurers can offer this.
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.
Top tip: For medical emergencies, make sure you have your policy number to hand to speed up the process.
To make your travels as smooth as possible, check out our top tips:
What you need to consider when you're taking out your travel insurance.
Now the Brexit transition period has ended, here's how travelling to Europe will change.
Since the UK left the EU on 31st December 2020, the European Health Insurance Card has changed. We explain what's changed.
If your flight is delayed for a prolonged period, here's what you could be entitled to.
Page last reviewed: 16 August 2024
Reviewed by: Alvaro Iturmendi
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