Senior citizen travel insurance

Get quotes for travel insurance that could cover you if you are a senior citizen.

Compare them to find the level of cover you need for whatever type of trip you have planned.

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Last updated: 10 February 2021

What is travel insurance for older people?

Travel insurance can be harder to find as you get older. Travel insurance for older people is the same as standard travel insurance, but it’s designed with senior citizens in mind.

‘Senior citizens’ usually means people over 65. After that, some insurers will increase the price every year, and others do it every five years.

Perhaps you’re planning an exciting trip abroad and you’re looking for the best travel insurance for elderly UK citizens. Or perhaps you have a relative coming to stay, and you’re looking for travel insurance from India to the UK for senior citizens, for example. Whatever you’re after, it’s important to do your research and find the right policy for your needs.

Generally travel insurance for older people is more expensive than travel insurance for those under 65. But you’ll tend to find that it offers more cover in the areas you might need it most, such as emergency cover and medical cover.

It’s not a legal requirement to have travel insurance. But, if something happened while you were away and you didn’t have insurance, it could leave you in a mess financially. Medical treatment aboard can be extremely expensive. If you had to be repatriated, the cost could be extortionate. So, without insurance, you could find yourself with some hefty bills to pay.

How much does travel insurance for older people cost?

Whether you’re looking for cover for yourself, or a policy for an elderly relative, you’ll discover that insuring senior citizens is pricey.

As soon as you hit your 60s, the cost of travel insurance can rise. Some insurers will only cover you up to a certain age, such as 85. If you’re older than that, you’ll need to find a policy with no maximum age limit.

But, it’s likely that you want to make the most of your retirement. That means you’ll want the peace of mind and financial security that comes with having travel insurance. Ask yourself ‘what travel insurance is best for seniors?’ and seek out the right cover for your needs.

Although cheap travel insurance for older people can be hard to find, there are ways to go about it so you can find the right cover at the best price.

How to find the best travel insurance for elderly UK citizens, or for elderly visitors from abroad

To help you find the best travel insurance for elderly UK citizens or foreign citizens travelling to the UK, there are a few things to think about.

Ask yourself these questions:

    Find out more about how to find travel insurance for older people.

    Keeping the cost of travel insurance for older people down

    When it comes to travel insurance for older people, to make sure you’re getting the best possible price, you should:

      Try these 8 ways to cut the cost of your travel insurance

      What travel insurance is best for seniors?

      The most important thing with travel insurance for older people is getting cover for the most likely situations. Knowing you have the right cover in place will give you the peace of mind and financial security you need to make the most of your trip.

      Some of the things that might be covered by travel insurance for older people include:

        Here's everything that 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.

        Senior citizen travel insurance FAQs

        Yes, but it might cost you more. Here is how to find travel insurance as you get older.

        The older you are the more likely you are to fall ill or have an accident when abroad, so insurers charge you more to cover the extra risk.

        Yes, but it can cost more and not all insurers will cover you. Here is how to find cover with pre-existing conditions.

        No, but you should never travel without it because medical treatment abroad can cost tens of thousands of pounds.

        Not for medical cover as you will be covered by the NHS, but it can cover cancellation and lost or stolen possessions. You can find out more here.

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