The cost of travel cover can start to increase when you reach 60, but it is when you hit 65 that the price can really shoot up.

This is because travel insurers think you are more likely to have an accident or fall ill on holiday when you get older.

They charge you a higher premium to cover the increased risk of you making an expensive travel insurance claim, but there are ways to get a good deal.

Ways to cut the cost

  • Shop around: Find insurers that offer cover to pensioners and compare quotes because the cost of cover can vary between policies.

  • Get an annual policy: If you travel more than twice a year it could save you money. Here is how to choose between annual and single trip insurance.

  • Only get cover you need: Most insurers let you remove some cover options if you do not need them, like lost or stolen baggage protection, and reduce the price as a result.

Here are some more easy ways to find cheaper travel insurance.

Get the right cover for you

There are a few things you should think about to make sure your travel insurance gives you the protection you need, including:

  • Declaring your medical conditions, so that they are covered by your policy. Here is how to get cover for pre-existing medical problems.

  • What you want to do on your trip, because you may have to pay more to cover dangerous activities and sports, like skiing.

  • The length of your trip, because some insurers reduce the time you can go away for as you get older.

  • Your destination, because some countries are not covered by all policies.

Once you know exactly what cover you need for your trip you can look for travel insurance for over 65s. Here is more on what travel insurance can cover.

If you have a pre-existing condition, you can still get a quote through These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.