At InsureandGo, we want to make it easy for as many people as possible to Go without the doubt. Our over 65s travel insurance has got you covered if you’re looking to enjoy stress-free travel in your golden years. 63% of our customers are age 60 years or over3.
What is over 65s travel insurance and how does it work?
Travel insurance for over 65s is a type of specialist cover that protects older travellers, and includes cover for pre-existing health conditions. We believe that you should be able to enjoy whatever type of holiday you like. We have no upper age limits on our policies.
Getting the right type of travel insurance before you leave is a vital part of planning any trip, so we offer a range of different levels of cover. Travelling without insurance could leave you out of pocket if something goes wrong on or before your holiday.
For example:
- According to the NHS around 60% of adults over 65 have high blood pressure.
- The World Health Organisation (WHO) says that high blood pressure can increase the risk of heart, brain, kidney and other diseases.
- An overnight stay in a US hospital can cost up to $10k per night!
- Over 65s travel insurance can cover costs related to declared medical conditions such as high blood pressure.
Planning to take a cruise? Remember to add our cruise travel insurance to your policy.
What does InsureandGo’s over 65s travel insurance cover?
What’s covered?
Whether you choose multi-trip cover or single trip travel insurance, our over 65s holiday insurance offers an array of benefits, including:
- Medical expenses: Cover for emergency medical treatment you may need while travelling, including medical care related to any pre-existing conditions you’ve declared. You’ll also be covered for any prescribed medication you take.
- Repatriation: We will help you return home in the event of a medical emergency, so you can focus on recovering without any extra stress.
- Lost Luggage: Our policies cover you if your baggage is lost, stolen or damaged, letting you replace your items and get on with your trip.
- Cancellation: Protects you if you have to cancel your holiday due to an unforeseen emergency or reasons beyond your control.
- Travel disruption: Get cover for alternative transport or accommodation costs if your travel plans are disrupted.
What’s not covered?
We strive to provide the best cover possible, however, there are some situations no travel insurance will cover. For example:
- Undeclared medical conditions: If we don’t have your full medical history we may not be able to assist during a medical emergency.
- Travelling to places against FCDO advice: While we offer worldwide travel insurance, we can’t provide cover if you go somewhere that the FCDO says is too dangerous or risky.
- Choosing not to travel: Sometimes things don’t go to plan, but cancellation cover only applies if you have a valid reason not to travel, such as illness, injury or bereavement. See your policy documents for full details of cover.
We also offer optional add-ons for activities like extreme sports, hiking, cruises and golf, available on most policy types.
We will consider all pre-existing medical conditions, find out more about medical travel insurance. Some conditions will require you to pay an additional premium to cover related medical bills.
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.
The best travel insurance for over 65s
Our travel insurance policies have no maximum age limit, so you can enjoy the type of holiday that you love.
- Going on a cruise? Get covered with our cruise travel insurance.
- Travelling more than once this year? It could be better for you to get annual multi-trip insurance if you’re heading abroad multiple times.
- Touring multiple countries? Depending on where you’re going, you might need worldwide cover or holiday insurance for Europe.
- Heading off to enjoy a hobby? You can get travel insurance specifically for golf holidays or hiking trips, or you could even get travel insurance for extreme sports.
| 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 |
What optional extras can I include?
When it comes to travel insurance, one size doesn’t fit all. That’s why InsureandGo allows you to add extra protection to your policy to ensure you have the cover you need. These options provide tailored cover for a range of different scenarios, including:
- Golf cover: protect your equipment and cover golfing fees
- Gadget cover: increased cover for your devices like smartphones and laptops
- Cruise travel insurance: Cruise cover includes specific protection for events which can occur on a cruise trip such as cabin confinement and missed port departure.
Travel insurance for over 65s with pre-existing medical conditions
A key part of buying travel insurance is declaring any pre-existing medical conditions. At InsureandGo, 58% of our customers have at least one medical condition3, and we’ve already provided cover for over 1,300 conditions, including:
Pre-existing medical conditions could include chronic illnesses such as diabetes or heart disease, as well as recent illnesses or surgeries. If you don’t tell us about your medical conditions we won’t be able to provide you with the right cover, and related claims could be declined.
“Travelling later in life can come with its own set of challenges, but we believe that your travel insurance policy shouldn’t be one of them. Our policies have no upper age limit and can cover almost any kind of trip. So whether you want cover for a single trip to France, or a worldwide annual multi-trip policy, you can Go without the doubt.”
Russell Wallace – Travel insurance expert
Which destinations are covered by our over 65s travel insurance?
Travel plans can take us to all the corners of the world, and you’ll want a travel insurance policy that go with you. InsureandGo’s over 65s travel insurance offers cover for a wide range of destinations, ensuring you’re protected wherever you go.
From popular hotspots like Spain, Turkey, Greece or Italy, to more unusual destinations such as Peru or Nepal.
- 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.
Already have an annual multi-trip travel insurance policy for a particular area? If you’re going to be travelling somewhere outside of your chosen region, we can upgrade your cover to include the new destination.
Alternatively, you can purchase separate single-trip cover instead, but 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 much does over 65s travel insurance cost?
The cost of over 65s travel insurance can vary depending on a number of factors. Understanding this can help you to find a policy that meets your budget without compromising on essential cover.
Some key areas that can affect the cost of your insurance are:
- Pre-existing medical conditions: Your medical conditions may carry potential additional risk which require an extra premium to cover.
- Destination: Medical costs can vary widely from country to country, so your destination plays a part in determining the cost.
- Activities: The activities you plan to do can also affect your premium. Riskier activities like mountain climbing are likely to increase your premium.
Additionally, the length of your trip can also impact the cost of your insurance. Longer trips may result in higher premiums.
According to our 2024 annual survey, 84% of travellers are planning on taking more than one trip this year3. If you’re one of them, an annual policy may offer better value compared to purchasing separate single trip policies for each trip.
How to book our travel insurance for over 65s
Getting your over 65s travel insurance with InsureandGo is simple.
1 .Tell us about your trip
We need to know about your trip, who you want to cover and when you want the policy to start. We’ll also ask you about any pre-existing medical conditions so that we can 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 we have all the information we need, we’ll send you a quote. You can either go ahead and buy your policy now, or save the quote for the future.
Our reviews speak for themselves
We’re rated ‘Excellent’ on Trustpilot with over 60,000 reviews.
Good for older people with pre existing conditions
Ian
“Easy to obtain a quote online. Very competitive price for pre-existing conditions, beating several competitors by a large margin.”
Date of experience: 05 February 2024
Frequently asked questions
Is travel insurance more expensive for over 65?
Over 65 travel insurance does cost more than a standard policy. This due to the increased costs of claims, including emergency medical cover, and other factors which affect the probability of claims occurring.
Do I still need over 65s travel insurance if I have a GHIC card?
As a British citizen, you should carry your free Global Health Insurance Card (GHIC) whenever you travel to Europe. Having your GHIC means that you’ll have the costs for some medical procedures covered within Europe.
However, you still need to have European travel insurance to cover you for costs that the GHIC might not cover. This includes things like transport to and from hospital or even repatriation back to the UK in the event of a medical emergency.
Does over 65s travel insurance provide extra cover for medical emergencies?
Travel insurance for over 65s includes cover for unexpected medical emergencies, and those related to conditions declared during the medical screening process. Depending on the level of cover you choose, you’ll be covered for up to unlimited medical expenses.
Do seniors in the UK need to pay for travel insurance?
Yes. If you’re going on holiday it’s vital that you have travel insurance in place to protect you for unforeseen events, such as emergency medical treatment. You may also want cancellation cover and personal liability.
When should you take out over-65s travel insurance?
The advice from experts like Martin Lewis, is to get your cover as soon as you book your trip. If this is not possible, you should get travel insurance as soon as possible. Your policy will only be valid if you have bought it before you leave the UK.
Do I need over 65 travel insurance if I’m going to Europe?
Yes. Any time you travel outside of the UK, you should have travel insurance in place to protect you and your trip if something goes wrong before or during your holiday.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our over 65s 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.