How to get over 70s travel insurance

If you’re a senior going on holiday, then you may find that some travel insurance policies have restrictive age limits. That’s where over 70s travel insurance comes in. These policies are designed to cover the needs of older people when travelling, and offer you the peace of mind that everything is covered while you’re on holiday. Keep reading and we’ll take you through everything you need to know about over 70s policies and how to get a great quote.

What is over 70s travel insurance?

Over 70s travel insurance is exactly what it sounds like: travel insurance designed to cover seniors over 70. In addition to providing insurance for older people, over 70s policies often provide more medical cover than regular travel insurance, including cover for any medication related to pre-existing conditions such as high blood pressure or heart conditions.

What does it cover?

The most important thing to know about any insurance policy is exactly what it covers you for, and this is no different when it comes to over 70s travel insurance. As these policies are made specifically for older people, over 70s insurance tends to have more coverage for medical problems that are common in seniors. Different policies will vary, so always check the small print, but commonly you can expect over 70s travel insurance to cover:

  • Medical treatment (usually including cover for medications for pre-existing conditions)
  • Medical aids (such as wheelchairs and walking frames)
  • Holiday cancellations
  • Legal fees
  • Travel companions (if you require a carer or companion in order to travel)
  • Lost luggage
  • Stolen or damaged valuables

Can I take out over 70s travel insurance at any age?

Not with all insurers. It’s common to find your choices of policy more limited if you’re over 80. However, with some providers you can get seniors travel insurance at any age, so if you shop around you’ll be able to find a policy that will cover you.

How much does over 70s travel insurance cost?

This is a hard question to answer as the cost of your travel insurance will depend on a variety of factors, including your age, where you want to travel, and whether or not you have a pre-existing medical condition.

Typically over 70s travel insurance policies are more expensive than travel insurance for younger people, mainly because policies for seniors involve more medical coverage. If you have a pre-existing medical condition, then your over 70s travel insurance policy is likely to cost over £100 - but that’s nothing compared to the amount you’d have to pay for treatment if you were uninsured and needed medical care on holiday.

Where can I travel?

Almost anywhere. You can get over 70s travel insurance policies that will allow you to travel anywhere in the world for an entire year, or ones that will cover you for one trip to wherever you’re planning to go.

The reason we say ‘almost’ anywhere is that there are some countries that you cannot get travel insurance for - these are commonly countries that the Foreign and Commonwealth Office has advised against travelling to (such as active warzones). More information can be found on their website.

Can I get an over 70s policy if I have a pre-existing condition?

Yes, you can get over 70s travel insurance if you have a pre-existing condition. However, it is very important you declare any medical conditions when taking out a policy, as your insurance will not cover treatment for any undeclared conditions.

A pre-existing condition will lead to a more expensive policy, but your travel insurance will help cover your medical needs to manage your condition, and over 70s policies are commonly taken out by people who have pre-existing conditions, so don’t worry if you feel this will prevent you from getting a policy.

Are there any exclusions?

Yes, as with all forms of insurance, over 70s travel insurance has a set of exclusions that limit when your policy will pay out, or can even prevent you from taking out a policy. Commonly these will include:

  • Sports and activities. If you’re looking to undertake any sports or activities on your travels, such as golf, then you’ll need to take out extra cover.
  • Age. Some policies will have an upper age limit, commonly around 79. You can still get travel insurance in your 80s or above, but there are fewer companies that will offer you a policy.
  • Drugs or alcohol. Your travel insurance will not pay out for any injuries or illnesses directly related to the use of drugs or alcohol.
  • Undeclared pre-existing medical conditions. Over 70s travel insurance only covers medical treatment for pre-existing conditions if they are declared when the policy is taken out.
  • Countries deemed unsafe by the Foreign and Commonwealth Office (FCO). If the FCO has advised against travelling to a country or region, your travel insurance policy will be invalid if you decide to go there against this advice.

What different types of over 70s travel insurance policy can I get?

Depending on how often you intend to travel over the course of a year, there are two main types of over 70s travel insurance you can take out. Here’s a quick summary of your options:


If you’re heading off on a one-off holiday and want to make sure you’re covered for anything that could go wrong, then over 70s single-trip travel insurance is the best option. Single-trip insurance is the most straightforward form of policy, and usually also the the cheapest. Simply select the date you leave, the date you return, and fill in a few personal details, and you can get a policy in minutes.


If you’re likely to be travelling more than twice during the next year, then you can usually save both time and money with an over 70s annual travel insurance policy. Annual travel insurance (also known as multi-trip insurance) will cover you every time you go on holiday, without you needing to take out a new policy each time. Depending on where you intend to go, you can take out annual policies that cover only European travel, or ones that will insure you anywhere you go in the world.

What if I have a European Health Insurance Card (EHIC)?

Even if you have a European Health Insurance Card and are only travelling to Europe, you still need travel insurance. This is particularly true if you are over 70, as your medical needs are likely to be more complicated and the EHIC does not offer anywhere near the same level of medical cover as a travel insurance policy.

Your EHIC provides you with access to the same medical treatment that would be offered to a citizen of the country you’re in. This is typically not very comprehensive, and also often costs some money up front. Over 70s travel insurance, on the other hand, provides millions of pounds worth of private health insurance cover, along with insuring you against unexpected holiday cancellations, lost luggage, and stolen valuables. You should never travel abroad without travel insurance.

Should I get over 70s travel insurance?

If you’re over 70 and going away on holiday, then yes you should take out an over 70s travel insurance policy. If you don’t do so and something goes wrong on your trip then it could end up costing you a lot of money. Remember that it may be a better option to take out an annual policy if you’re planning on travelling more than twice across the course of the next year.

Can I get a quote right now?

Absolutely. Simply click the link below and one of our trusted insurers will find you a great quote in minutes.