The cost of travel insurance often goes up when you're in your 60s, and some insurers only offer cover up to a certain age, such as 85.

Finding cheap travel insurance can become more difficult when you get older, but there are still ways you can find a good deal.

Keeping the cost down

To make sure you are getting the best possible price for your travel insurance, you should:

  • Consider an annual policy: If you go abroad more than once a year, it could be cheaper to get an annual multi trip policy.

  • Avoid cover you don't need: Check if you can remove cover options you won't need, like lost or stolen baggage protection, as it could reduce the cost of the policy.

  • Compare quotes: Enter your details to get travel insurance quotes to find the cheapest deal.

Make sure you're covered

Before you get travel insurance quotes, there are a few things you should ask yourself:

  • Do you have existing medical conditions? If you do, you must declare them, and check they are covered by your policy. Here is how to get travel insurance if you have medical conditions.

  • What will you do on your trip? Check that any activities you plan to do are covered; you may need to pay extra for dangerous activities, like skiing.

  • How long are you going away for? Some insurers reduce the maximum trip length as you get older. For example, when you're over 65 the maximum length could reduce from 60 to 31 days.

You should also make sure your destination is covered. If you are travelling outside of Europe you will need to get worldwide travel insurance.

Senior citizen travel insurance FAQs

Q

Can I get travel insurance if I'm a senior citizen?

A

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

Q

Why does travel insurance cost more for senior citizens?

A

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.

Q

Can I get travel insurance with pre-existing medical conditions?

A

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

Q

Do I legally need to have travel insurance?

A

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

Q

Do I need travel insurance for UK holidays?

A

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.