Travel Insurance Expert and Head of Communications
Last updatedNovember 27 2025
12 min read
Whether you’re going on a city break, a beach escape, a cruise, or an adventure further afield, our over 75s travel insurance will cover your individual needs. One less worry for a hassle-free holiday!
What is over 75s travel insurance, and how does it work?
With more leisure time to travel, getting older has its benefits. Our travel insurance for over 75s is designed with your needs in mind, offering cover for everything from unexpected medical emergencies to lost luggage. The best travel insurance for over 75s also covers pre-existing medical conditions, something standard policies may exclude.
Gaps in your travel insurance can spoil your holiday. Finding the right senior travel policy lets you enjoy your adventures, knowing you’re covered if things don’t go to plan. It’s important because:
One 75-year-old InsureandGo customer claimed over £42,000 for treatment of a superficial head injury in Turkey.
At InsureandGo, we want you to enjoy your holiday without worrying about unexpected expenses. With no upper age limit, we’ll consider any medical conditions you may have, so you know you’re fully covered.
What does InsureandGo’s over 75s travel insurance cover?
Plus our annual European holiday insurance even includes some countries outside of Europe! You’ll be covered for countries bordering the Mediterranean Sea, Madeira, the Azores and more. See below for the full list
What’s not covered?
We strive to provide as much cover as possible. However, there are some situations that no travel insurance will 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
Our optional add-ons give you extra protection for activities like extreme sports, cruises and golf, perfect for a more adventurous getaway.
We’ll also consider all pre-existing medical conditions, so you can travel with peace of mind. Learn more about our medical travel insurance options.
The excess and cover limits depend on the level of travel insurance you choose. For full details, check the policy wording before you buy.
The best travel insurance for over 75s
Got a particular type of trip in mind? Tailor your policy to suit your holiday style with our optional extras.
Dreaming of a cruise?Cruise holiday insurance can make it smooth sailing. Get extra cover for cabin confinement, cruise interruption, itinerary changes and more.
Heading somewhere exotic?Worldwide travel insurance will cover your globe-trotting in a specific region.
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 cover to include the new destination. Alternatively, you could 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.
Travel insurance for over 75s with pre-existing medical conditions
Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.
Examples of medical conditions we can cover include:
There’s so much to think about when planning a holiday. Luckily, getting your over 75s travel insurance sorted is easy. You’ll tick it off your to-do list in no time.
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 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:
After you’ve given us all the details we need, we’ll send you a quote. Once you’ve got the quote, you can either purchase it there and then or save it for the future.
Our experts say…
“Travel insurance for seniors over 75 isn’t just a nice-to-have, it’s essential. Unexpected medical situations or trip disruptions can be costly, especially for those with pre-existing conditions. Travel insurance from InsureandGo offers peace of mind and financial protection, so you can focus on making memories, not fretting about unexpected costs.”
“I looked at many insurance companies for the best prices for travel insurance. InsureandGo were the most economical choice for my wife and I who are both over 75.”
The health of older adults can be more at risk in extreme hot or cold temperatures
Over 75s insurance is crucial as it provides a safety net, so you can focus on enjoying your holiday.
Does travel insurance increase at age 75?
Yes, age is one of several factors that can impact the cost of travel insurance. We also consider destination, activities, length of travel and any pre-existing medical conditions when determining your premium.
How can over 75s get cheaper travel insurance?
The best way for over 75s to get cheaper travel insurance is by choosing the right level of cover for their needs.
Analyse your holiday plans carefully and consider:
The amount of time you’ll be away: Going on holiday multiple times throughout the year? An annual policy could be better value for you.
Your destination: Some regions, like the USA, have higher medical costs. This is reflected in the cost of travel insurance. If you’re only travelling to Spain, getting a European travel insurance policy will be cheaper than a worldwide policy that includes the USA.
Your level of cover: Do you really need extra protection for your gadgets or golf? If you’re not planning on taking your laptop or hitting the greens, it would be cheaper not to add these optional extras.
How long can I go on holiday for, if I’m over 75?
You can travel as long as any other traveller, regardless of age. We do have trip limits, but these aren’t dependent on your age. A single trip travel insurance policy lets you travel abroad for up to 365 days!
Our annual multi-trip travel insurance lets you travel as frequently as you want, but there is a duration limit on each individual trip. Budget policies cover you for 31 days at a time, Silver or Gold for up to 45 days, and Black policies can cover unlimited trips of up to 55 days.
Will my over 75s travel insurance cover a cruise?
Going on a cruise? Just add our cruise travel insurance when you’re buying your policy. It provides extra cover for things you might encounter at sea, like cruise interruption, itinerary changes or cabin confinement.
We will still consider any pre-existing medical conditions on our cruise policies, and there’s still no upper age limit.
Do I need a GHIC card as well as travel insurance?
If you’re heading to Europe, applying for a Global Health Insurance Card (GHIC) is a good idea. And, if you need medical treatment in the EU, it could save you money. That’s because using it can remove the excess for medical claims on your travel insurance.
You can use a GHIC card in any EU country, plus Montenegro, Norway, Iceland, Liechtenstein and Switzerland.
But the GHIC does have its limitations. The scheme won’t cover the cost of all medical treatments or repatriation costs, so you’ll still need travel insurance before you go to avoid nasty surprises. For example, the cost of emergency medical treatment and repatriation for one UK traveller in Spain was £124,000.
The GHIC will not cover any additional holiday mishaps, like lost luggage, either. No wonder the UK Government advises that all UK nationals get the required level of travel insurance before they leave the country.
What is considered a pre-existing medical condition for travel insurance?
It is considered a pre-existing condition if any person insured on a 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
Before buying travel insurance with medical cover, you must let us know about any pre-existing conditions you have. Use our quick and easy online medical screening system to do just that.
How far in advance should I get travel insurance?
You need to arrange travel insurance before you leave the UK – it can’t be started once you’ve left the country. Ideally, you should buy cover as soon as you book your holiday. That way, you’ll be covered if you unexpectedly have to cancel.
What is the maximum age you can insure up to?
InsureandGo policies have no upper age limit, so whether you’re 18 or 88 (or beyond!), you’re welcome to travel with us. We believe age shouldn’t be a barrier to adventure, and our cover reflects that.
Does my over 75s travel insurance change depending on where I’m going?
Travel destinations do affect your policy premiums. However, this is the same for travellers of all ages. Policy prices vary by destination because different countries have different costs for medical treatment. For example, the price of medical treatment in the USA is a lot higher than in France.
Who can buy an InsureandGo over 75s travel insurance policy?
All our over 75s 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
Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.
