Travel insurance for over 75s
So you feel more confident, we’ve answered some of your most common questions about travel insurance for over 75s.
Travel insurance for over 75s with pre-existing medical conditions
We’ll consider any medical conditions you may have when you buy a policy from us and we’ll make sure we ask you the right questions, so you know you’re fully covered.
We can cover over 1,300 conditions, frequently for no additional cost. However, it’s vital that you tell us about any medical conditions you have before you set up your travel insurance. We can cover plenty of conditions free of charge, but some may require an additional premium.
Will my travel insurance be more expensive if I’m over 75?
Yes. As there’s an increased risk when you travel, the premiums will rise. This is standard with travel insurance policies, no matter which company you choose.
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 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.
Cruise travel insurance for over 75s
If you’re planning to enjoy a cruise, all you need to do is add our cruise travel insurance when you’re buying your policy. We will still consider any pre-existing medical conditions on our cruise policies, and there’s still no upper age limit.
Cruise holiday insurance provides extra cover for several cruise-specific eventualities which may occur, such as being confined to your cabin, cruise interruption, itinerary changes and more.
Travel tips for over 75s
Being over 75 isn’t a barrier to travelling the world as much as you desire. There are some things, however, that you should consider when travelling.
- Make the most of your freedom. Getting older means you don’t have to take your holidays during term times. Take advantage of this and travel during the off-season. You could save money, and get to enjoy a quieter trip.
- Talk with your doctor when booking your trip. You should always see your GP before you travel, to make sure they are happy for you to travel. Make sure that you have plenty of medication for your trip, and always bring extra medicine in case your flight is delayed unexpectedly.
- Stay mobile when travelling. You may be sitting for a while, especially on a flight. You should do your best to keep moving. If you are unable to get up and walk around, try to stand when you can and keep stretching. Older travellers are more likely to be affected by DVT (deep vein thrombosis), so try picking up some flight socks as well.
Frequently asked questions
Do I need a GHIC card as well as travel insurance?
What is considered a pre-existing medical condition for travel insurance?
It is considered 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.
Before purchasing 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 so.
How far in advance should I get travel insurance?
You need to arrange travel insurance before you leave the UK, as it cannot be started once you’ve left the country. Ideally, you should buy cover as soon as you book your holiday, to ensure 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. However, our extra winter sports cover is only available up to age 65.
Does travel insurance go up after 75?
Your age, and several other factors, does affect the cost of the policy, but there is no upper age limit. This is due to the fact that, sadly, holidaymakers over 75 are more likely to need to make a costly claim. In a similar way, younger drivers pay higher car insurance premiums, as they are more likely to make a claim..
Does my over 75s travel insurance change depending on where I’m going?
Your policy premium will be affected by your destination, 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 US is a lot higher than in France.