Your age shouldn’t be a barrier to seeing the world. With InsureandGo’s over 60s travel insurance, we’ll give you a quote for over-60s travel insurance policies in a few minutes. You’ll be covered for medical emergencies, cancellation, lost luggage, delays even if you have pre-existing medical conditions.
What is over 60s travel insurance and how does it work?
Over 60s travel insurance is a type of travel insurance policy that covers the needs of later-in-life travellers, including any pre-existing health conditions you declare.
If you’re 60 and over and are looking to travel abroad, then we have the perfect policy for you. It’s important to be covered when you’re on holiday, as, unfortunately, accidents do happen.
- The NHS estimates a third of all people over 65 will have at least one fall a year.
- The UK Government estimates that a fall in Spain that results in a broken hip would cost £15,000.
Doing anything else special on holiday this year? We’ve got you covered with our specific travel insurance policies, like cruise travel insurance, hiking travel insurance, golf travel insurance and even extreme sports cover.
What does InsureandGo’s over 60s travel insurance cover?
What’s covered
All our over 60s travel insurance policies include:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- 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.
Find out about our optional add-ons for activities like extreme sports, winter sports, hiking, cruises and golf. We will consider all pre-existing medical conditions, find out more about medical travel insurance.
What’s not covered
We try to provide as much cover as possible with our policies, however, there are some situations where travel insurance will not cover you. For example:
- Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. 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.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.
Age restrictions
We think holiday insurance should be available to as many people as possible, that’s why our policies have no upper age limit. Please note that we do not cover anyone over the age of 65 for winter sports like snowing or snowboarding.
Trip length
Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.
If you want to be abroad longer than this, you’ll need our long-stay travel insurance.
Valuables
The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.
If you’ll be taking away something a bit more expensive you can add our valuables extension. Check the policy wording for full details of what’s covered with this add-on.
The best travel insurance for over 60s and 65s
We know that your age shouldn’t limit you, which is why we provide any travel insurance add-ons you might need, no matter your age.
- Cruises: Providing extra cover for problems exclusive to cruise travel, whether that’s cabin confinement, missed departure or even repatriation back to the UK.
- Single trip cover: Just heading abroad once this year? Single-trip travel insurance might be the way to go.
- Golf: Cover equipment, green fees and more for your entire trip – even if you spend the whole holiday on the course.
- Europe or worldwide cover: Doing multiple stops on your holiday? Selecting a travel insurance policy that covers a specific region might help, like our Europe travel insurance or worldwide travel insurance.
- Extreme sports and hazardous activities: Everyone deserves to have some stress-free laughs on holiday. Our standard policies already cover over 100 sports and activities, but if you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover.
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 |
Travel insurance for over 60s with pre-existing medical conditions
Our over 60s travel insurance allows you to declare any medical conditions you may have. We can cover over 1,300 conditions, many of them at no additional cost.
You must tell us about any pre-existing conditions before you set off. During your quote set-up, we’ll ask you some questions to work out your quote, depending on the health issues you have.
Examples of medical conditions we can cover include:
- Heart-related conditions
- High blood pressure
- High cholesterol
- Diabetes
- Asthma
- Disabilities
- Epilepsy or Stroke
- Cancer
It’s important to let us know about any medical conditions you have before you buy your policy. We can cover many conditions free of charge, but for others, there may be an additional premium to pay. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents.
Which destinations are covered by our over 60s travel insurance?
We offer over 60s travel insurance policies based on the following destination groupings:
- The UK
- Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
- Worldwide (except the USA, Canada, Mexico and the Caribbean)
- Worldwide
*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.
If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your coverage to include the new destination. Alternatively, you could buy separate single trip cover instead. However, upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.
If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us.
How to book our travel insurance for over 60s
We know your to-do list for your next trip can be a long one, so we make getting over 60s insurance as simple as possible:
1. Let us know a little info
We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2. Get your quote
Once you have your quote, you can either purchase, or save it for the future.
“Travel insurance is an absolute must-have if you’re over 60 and heading abroad this year. Enjoying your retirement years should be stress-free and enjoyable. You don’t want massive hospital bills chipping away at your retirement fund. At InsureandGo, we cover your medical conditions and sporting activities on your trip and we don’t have an upper age limit, so you can be sure we’ll take the best possible care of you, leaving you free to enjoy your holiday.”
Letitia Smith – Travel insurance expert
Our reviews speak for themselves
“Decent Price & Great Cover”
“I find insurance price very suitable for an annual travel insurance, for a 60+. I would highly recommend giving it a shot whoever is looking for decent price and great cover by their travel insurance.”
Frequently asked questions on travel insurance for over 60s
Do I need specialist travel insurance if I’m over 65?
Most “standard” travel insurance policies will cover you from the ages of 18 to 64. However, once you hit 65, you might find that you need a specialist insurance policy. This is especially true if you have any pre-existing medical conditions.
At InsureandGo, we have no upper age limit for our policies, and we cover around 1,300 pre-existing medical conditions at no extra cost, so you’ve got more money to enjoy your holiday.
What is the maximum age you can insure up to?
InsureandGo offers travel insurance with no upper age limit. Our policies always include cover for over 100 sports and activities, no matter your age. Please note that our additional winter sports cover is only available up to age 65.
Will my policy be more expensive if I’m over 60?
While there is no upper age limit, several factors, including your age, do affect the cost of the policy. This is due to the fact that holidaymakers over 60 are more likely to need to make a costly claim.
Does my over 60s travel insurance change depending on where I’m going?
Yes, but not because you’re over 60. Usually, travel insurance policy prices change depending on where you’re going because different countries have different costs for medical treatment. For example, some countries have higher medical expenses than others, so travel insurance for the USA is more expensive for example.
How long can I travel for if I’m over 60?
As long as anyone else! There’s no reason your age should hold you back. Our policies do have trip limits, but these don’t depend on your age. With single-trip travel insurance, you can be abroad for 365 days if you choose to!
Our annual multi-trip travel insurance allows you to travel as often as you like but with a duration limit on each trip. Budget policies would cover you for 31 days at a time, Silver or Gold for 45 days, and Black policies can cover unlimited trips of up to 55 days.
Do I need a GHIC card as well as travel insurance?
You should carry a free Global Health Insurance Card (GHIC – previously EHIC) whenever you travel to Europe. The GHIC will cover any necessary treatments you may receive at public hospitals on your trip.
Remember that you still need European travel insurance to cover the costs of any unexpected medical treatment the GHIC might not cover. This includes things like transport to and from hospital or even repatriation back to the UK.
What is considered a pre-existing condition for travel insurance?
We consider a medical condition to be pre-existing if any person insured on this policy has:
- Taken any prescribed medication or received medical treatment within the last 2 years
- Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
- Been advised of a terminal illness.
You must declare any pre-existing medical conditions you have before buying travel insurance.
What happens if I don’t declare a pre-existing condition on my travel insurance?
If you don’t declare your pre-existing condition before getting your travel insurance policy, you may find that your policy becomes invalid. This will mean that you will end up having to pay extensive medical bills if the need arises, along with other costs that would previously be covered by your policy.
How far in advance should I get travel insurance?
You should get your cover as soon as you book your trip. Failing this, you should arrange cover as soon as possible. Remember that your travel insurance will only be valid if you have bought it before you leave the UK.
It’s especially important to make sure you have travel insurance if you’ve pre-booked any activities or excursions for while you’re on holiday. Policies differ, so check the wording of your policy if you have a specific activity in mind.
Who can buy an InsureandGo over 60s travel insurance policy?
All our over 60s 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 over 60s 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.