Travel Insurance Expert and Head of Communications
Last updatedNovember 27 2025
10 min read
We think everyone deserves a holiday, so our travel insurance has no upper age limit. Going away can be more difficult in later life with complications, such as health conditions. We will consider any pre-existing medical condition, no matter your age. This means you’ll be covered for any emergency medical expenses. Plus you’ll be protected for cancellation, lost luggage and more. This means you can enjoy your travels, relaxed and worry-free.
If this were to happen while you were on holiday, you could rack up high bills if you don’t have a travel insurance policy. Some insurers have a limit, and they won’t cover anyone over a certain age. We believe everyone should get to relax on holiday, which is why we have no upper age limit.
Our policies provide cover for medical emergency expenses, cancellation and more, regardless of how old you are:
Cover if something gets in the way of your holiday: If you have to cancel your holiday for reasons outside of your control – such as a family emergency or bereavement – the last thing you want is to be out of pocket. Our cancellation cover could help
Travel for just as long as everyone else: Our single trip travel insurance lets you travel for up to 365 days. Meanwhile, the length of trip you can take on our annual policies varies depending on your level of cover. This ranges from 31 days on Budget policies to 55 days on Black policies. This is regardless of age, so you don’t miss out when buying no age limit travel insurance
Get over 100 activities included as standard: All of our policies include over 100 activities already. If you’re up to something a little different, we have a variety of add-on cover, from golf to extreme sports
Read our policy wording for full details of what is and isn’t included in seniors’ travel insurance. Consider visiting your GP before you head off, to make sure they’re happy for you to travel. Take plenty of medication and check the local rules for bringing prescription medications into the country.
What does InsureandGo’s senior travel insurance cover?
It’s important to make sure you have the cover you need, including medical emergency expenses and any activities you plan to do:
What’s covered?
Our travel insurance with no upper age limit includes:
Personal money, passports and travel documents cover
Accommodation cover
Legal expenses cover
What’s not covered?
We try to provide as much cover as possible; however, there are some situations that travel insurance will not cover. For example:
You cannot cover events or reasons to claim that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Planning something a bit different? Add extra protection for activities like extreme sports, cruises and golf with our optional add-ons.
We’ll also consider all pre-existing medical conditions. Just tell us about them when you get a quote. Learn more about our medical travel insurance and how we can help.
Your excess and cover limits will depend on the level of travel insurance you choose. Be sure to check the policy wording for full details of what’s included.
Seniors’ travel insurance, even with pre-existing medical conditions
You must declare your pre-existing conditions when you buy a travel insurance policy. We make it quick and easy with our medical screening process. If you don’t tell us about your condition, you will not be covered if something happens related to it.
Looking for the best travel insurance with no age limit? We have a variety of policies and add-ons, whatever you love to do while you’re away:
Setting sail on a cruise? Get covered for the cruise-specific problems you could face on your trip. This includes cabin confinement or needing flights back to the mainland due to illness.
Enjoying later life with multiple trips? You could save time and money with an annual travel insurance policy. Cover every trip you have planned in the next 12 months.
Pursuing your passion? Whether you love to golf or want to try an extreme sport, we have additional cover for you.
Policies that include whoever you’re travelling with – Heading off as a couple, a family or a group? Get everyone covered on one policy, simple!
Valuables – All of our older-age travel insurance policies include cover for your belongings up to a certain limit. If you plan to take something a little more expensive away, take a look at our optional add-on for gadgets and valuables.
Find out more about each policy and add on by reading the relevant page or our policy wording.
Choose a cover level to suit your travel needs
Black
Gold
Silver
Medical expenses and repatriation
Unlimited
£15 million
£10 Million
Cancellation and curtailment
£10,000
£7,500
£5,000
Travel delay
Up to £650
Up to £540
Up to £450
Personal belongings
£5,000
£2,500
£2,000
Legal Expenses
£60,000
£50,000
£15,000
Standard Excess
Nil
£50
£60
Which destinations are covered by our seniors’ travel insurance?
Our travel insurance with no upper age limit covers the following regions:
The UK
Europe (plus countries bordering the Mediterranean Sea, Madeira and the Azores. See our Europe page for a full list of destinations.
We will show you your quote, and you can decide to either buy your policy straight away or save it for later.
“Many of us look forward to travelling in retirement, but it can also bring worries and concerns about something going wrong. Unfortunately, you could be more likely to need medical assistance due to a fall or similar accident in later life. Buying a seniors’ travel insurance policy which covers you for emergency medical expenses, cancellation and more, will mean you can get on with enjoying your trip!”
There’s a reason 99% would recommend us to family and friends1. Here’s what our customers have to say about us.
Travel insurance for seniors FAQs
Is there usually an age limit for travel insurance?
Many travel insurers have an age limit, refusing to insure anyone over a certain age. The age limit will vary and will be chosen by the insurance provider.
We believe age shouldn’t hold you back. That’s why our policies have no upper age limit. Whether you’re planning a relaxing beach break or a big bucket-list adventure, we’ll help you travel worry-free at any age.
Does travel insurance for seniors cost more?
Unfortunately, travel insurance for seniors does tend to cost more. That’s because, statistically, the chances of making a claim and the cost of those claims are higher. It’s similar to how younger drivers often pay more for car insurance.
However, at InsureandGo, we aim to keep premiums fair and transparent. We’ll consider your individual circumstances, not just your age. And with no upper age limit on our policies, you can still get cover that suits your needs, without overpaying.
Can a 90-year-old buy travel insurance?
Here at InsureandGo, we have no upper age limit, meaning even those in their 90s (or even 100s!) can buy travel insurance for their holiday. Policies include cover for over 100 sports and activities. Always read the policy wording for full terms and conditions.
Can older adults buy travel insurance with family?
Absolutely! You can cover every generation, from children to grandparents, and even great-grandparents, on one of our family travel insurance policies. It’s quick and easy to do and means that everyone is covered for that special family trip. Or if you travel together a lot, take a look at our annual travel insurance for families.
Who can buy an InsureandGo travel insurance policy?
All our travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
