Over 70s travel insurance

At InsureandGo, we want worry-free holidays to be available to as many people as possible. That’s why, no matter your age, our travel insurance for over 70s has got you covered.

Our policies have no upper age limit and we also offer travel insurance for medical conditions.

To give you a bit of extra reassurance, we’ve answered a few of the questions you might have.

TRAVEL INSURANCE FOR OVER 70S WITH PRE-EXISTING MEDICAL CONDITIONS

Our over 70s travel insurance allows you to declare any medical conditions you may have. We can cover over 1300 conditions, many of them at no additional cost.

You will need to tell us about your pre-existing conditions, which means we’ll need to ask you some questions to see if any additional premium is required.

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.

WHAT TYPES OF ACTIVITIES ARE NOT COVERED UNDER YOUR OVER 70S TRAVEL INSURANCE?

Our policies always include cover for over 100 sports and activities, no matter what your age.

You can even add on cover for more hazardous activities by adding our extreme sports travel insurance. You can find a list near the back of the policy documents with all the activities we cover and whether or not you’ll need to add extra cover. Please note that our winter sports travel insurance is not available to those over 65.

CRUISE TRAVEL INSURANCE

Planning on taking a cruise as well? Then all you need to do is add our cruise travel insurance to your policy.

Just like our standard over 70s travel insurance, we can consider any pre-existing medical conditions on our cruise travel insurance, which also has no upper age limit.

Our cruise cover for the over 70s includes extra protection for a number of cruise-specific eventualities including cabin confinement, interruption, itinerary changes and more.

Travel Tips for over 70s

Being 70 or over shouldn’t stop you from travelling the world as much as you desire. But there are some things you should consider

Take advantage of your freedom. Consider travelling in the off season, as older travellers have much more freedom when it comes to holidays. You don’t have to book time off work, or worry about term times at schools. Make the most of this when planning a trip.

See your GP before you travel and bring plenty of medication. Make an appointment to see your GP before you travel. Ideally at least a week in advance. You can check they are happy for you to fly, and also you can ensure you have enough medication for your trip. It’s also a great idea to bring some extra, in case of any delays.

Keep moving when travelling. Older travellers are more at risk from DVT (deep vein thrombosis) when stationary for long periods. If possible, keep moving while travelling. If you cannot get up and walk around, there are stretching exercises which can help to reduce the risk of DVT.

Frequently asked questions

Do I need a GHIC card as well as travel insurance?

As a British citizen, you are advised to carry a free European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) whenever they travel to Europe. Doing so means that you will have the costs for most medical procedures covered while away. However, it’s vital to remember that you still need European travel insurance to cover the costs of any unexpected medical treatment the EHIC or GHIC might not cover.

What is considered a pre-existing condition for travel insurance?

We consider it a pre-existing condition 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 outpatient at a hospital, clinic or GP surgery in the last 2 years.
Been advised of a terminal illness.

You must let us know of any pre-existing medical conditions you have before purchasing insurance. To do so, you can use our quick and easy online medical screening system.

How far in advance should I get travel insurance?

Experts advise that you get your cover as soon as you book your trip. Failing this, you should arrange cover as soon as possible. Travel insurance will only be valid if you have bought it before you leave the UK.

What is the maximum age you can insure up to?

InsureandGo offers travel insurance with no upper age limit. 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 70?

Yes, unfortunately the costs rise because of the increased risk of claims when older people travel. This is normal with all travel insurance policies so you may find you pay slightly more.

Does my over 70s travel insurance change depending on where I’m going?

Yes, but this isn’t because you’re over 70. Policy prices change depending on where you’re going because different countries have different costs for medical treatment. For example, high medical expenses in the US means that travel insurance to USA is more expensive than Spain travel insurance.

How long can I travel for if I’m over 70?

As long as anyone else! 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 individual 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.