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.
Travel insurance for seniors
The NHS predicts that 1 in 3 people over the age of 65 and half of those over 80 will have a fall this year.
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. At InsureandGo, we think everyone should get to relax on holiday, so we have no upper age limit. Our policies provide cover for medical emergency expenses, cancellation and more, regardless of how old you are:
- Over 50s travel insurance
- Over 60s travel insurance
- Over 70s travel insurance
- Over 75s travel insurance
- Over 80s travel insurance
We’ve made it easy to arrange our senior travel insurance, so you can get on with looking forward to your holiday:
- Hassle-free help: Get a quote quickly and easily or if you’ve already bought your policy and have some questions, get in touch with our friendly team. Plus, our 24/7 emergency helpline is available for all policyholders if you need help while you’re away
- Cover your pre-existing medical conditions: We will consider any pre-existing medical condition. This includes concerns like diabetes, cancer and heart conditions
- 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:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- 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 travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which 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
Find out about our optional add ons for activities like extreme sports, cruises and golf.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
Please note: Our winter sports add on cover is only available to those under 65.
Travel insurance for all ages, even with pre-existing medical conditions
We will consider all pre-existing medical conditions, no matter your age. If you have diabetes, high blood pressure or cancer and are looking for travel insurance with no age limit, talk to our team about getting a quote.
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.
Conditions we can cover also include:
To learn more, read about travel insurance for medical conditions and always make sure you read our policy wording before purchasing.
The best travel insurance with no age limit
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 | £3,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Which destinations are covered by our 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)
- Worldwide (except the USA, Canada, Mexico and the Caribbean)
- Worldwide
How to book our older age travel insurance
1. Tell us where you’re going and a little about you
We’ll need to know where you’re going, how long for, your age and some information about any pre-existing medical conditions.
Do it today online or by calling our team:
2. Get your quote
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 travel insurance policy which covers you for emergency medical expenses, cancellation and more, will mean you can get on with enjoying your trip!”
Nick Heady – Travel insurance expert
Our reviews speak for themselves
Excellent Service for Senior Citizens
“After discovering InsureandGo on line Tariq contacted us with information regarding Annual travel insurance. We read all the information sent to us and decided to take out the Silver travel insurance. Tariq talked us through the options etc. and within 15 minutes we had travel insurance for the coming year. Thank you.”
Caryl
Frequently asked questions on seniors travel insurance
Is there usually an age limit for travel insurance?
Many travel insurers will have an age limit, where they will not insure anyone over a certain age. The age limit will vary and will be chosen by the insurance provider.
However, at InsureandGo our policies have no upper age limit. However, remember that our additional cover for winter sports is only available to those under 65.
Does travel insurance for older people cost more?
Unfortunately, travel insurance for older people does normally cost more. This is because the risk of you needing to claim, and for those claims to be costly, are higher. This is the case with all travel insurers, just like a young driver having to pay higher car insurance premiums.
It’s quick and easy to get a quote for travel insurance whatever your age. Do it now online, or by calling our team on 0808 169 6609.
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. However, please note that our winter sports add on cover is only available to those under 65. 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
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our senior travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.