Compare our best travel insurance for people over 70

The right travel insurance should be a major priority if you’re over 70. Compare companies and policies to help make your next trip as stress-free as possible.

  • Get quotes in under five minutes
  • Compare over-70s travel insurance policies from leading providers
  • Our service is simple, fast and reliable and won't cost you a penny
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Compare over 70s travel insurance from leading providers

Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare over 70s travel insurance

1

Enter your details

Let us know what you need so that we can find our best travel insurance for over 60s. Declare any medical conditions and also please add any extras that you require on the policy.

2

Compare your options

Have a look through the options as cost can vary significantly between providers. The cheapest travel insurance option might catch your eye however check the terms to ensure you're fully protected if you need to make a claim.

3

Apply and save

Many insurers offer discounts for applying online, while some only ever operate digitally, so to make sure you find the best travel insurance deals comparing quotes on the internet is a must. Once you've decided on the provider you want, simply apply.

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Do I need travel insurance if I'm over 70?

Yes, it’s never a good idea to travel abroad without proper cover in place. It’s even more important if you’re an older traveller or have had health problems in the past.

Healthcare can be very expensive. In popular destinations like the USA, you could end up with a massive bill for even minor treatments.

For more serious issues, the cost of treatment and emergency travel back to the UK can run into the hundreds of thousands of pounds. For example, if you fell ill while on holiday in California and needed hospital treatment and plane tickets home, it could cost over £100,000. The right over-70s travel insurance policy could cover this.

Remember: travel insurance can potentially cover trip cancellations and lost or stolen possessions. It pays to have insurance in place should the worst happen.

What is covered by over-70s travel insurance?

Most over-70 travel insurance policies automatically include medical cover, but you need to decide exactly what other protection you need.

You may also want to add extra cover for some activities, including:

  • golf

  • winter sports

  • extreme sports

  • business

These added extras may make your policy more expensive but could offer valuable protection if you’re planning to do any of these activities on your trip.

Annual or single-trip cover?

You should also decide if you want a single-trip policy that covers you for one trip away, or annual cover, which lasts for 12 months and covers multiple trips overseas.

Get help choosing whether single-trip or annual cover is right for you.

Can I cover pre-existing conditions with travel insurance?

The simple answer is yes.

However, it’s important to remember that every insurer has slightly different policies. Some might not offer you cover at all, while others will cover you but charge more than the cost of a standard policy. That’s because your condition means you’re statistically more likely to make a claim.

You must be open and honest with your insurer, as you’ll only be covered for your condition if you declare it when applying for your policy. Most providers will insist that you declare certain health issues, so if you don’t tell your insurer about your medical conditions it could invalidate your policy leaving you with no cover at all.

Is there a maximum age for travel insurance cover?

Most insurers limit their cover to customers below a certain age, such as 85 for single trips and 80 for annual trip policies. Different insurers will impose different age limits, so make sure you check each policy carefully to make sure it’s right for you.

If you’re over these limits, you still have options for cover as some insurers specialise in policies for older travellers, which may be offered with no age limit.

Even if you fall within the limits, it’s likely the cost of insurance will go up and the level of cover will go down as you get older. Many travel insurers start charging higher premiums once a person reaches 65 years old; some even increase premiums for travellers in their early 30s.

Why does my age make travel insurance more expensive?

Most insurance policy prices are based on how likely you are to make a claim.

If you’re an older traveller, insurance companies will see you as relatively more likely to require some form of medical treatment while you’re away. In certain countries, such as the USA, this could lead to a significant payout.

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Why compare travel insurance with money.co.uk?

Comparing travel could help you save money. Our award-winning travel insurance broker service makes sure you get the cover you need for the lowest premiums. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators to help you make life's most important decisions and take control of your money.

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Last updated: 25 May, 2022