Travel insurance for over 60s

Compare travel insurance policies for over 60s that could cover you for things like medical care, lost baggage and cancellation.

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Last updated: 10 February 2021

How to get the best travel insurance for over 60s

Choosing the best travel insurance for over 60s The best travel insurance for over 60s is the policy that gives you the cover you need for the cheapest price.

With travel insurance over 60 it’s important that you work out exactly what kind of cover you want, and how much. Then you can start to compare quotes from insurers that offer it, and hopefully choose the one that offers it at the cheapest price.

Having travel insurance for over 60s will mean you can relax and enjoy later life. You can go away with peace of mind and financial security that you wouldn’t be left out of pocket if something went wrong.

Here’s how to get travel insurance as you get older.

What’s included in travel insurance for over 60s

That depends on which travel insurance in your 60s you choose. Every policy is different. But the most common elements of a travel insurance over 60 policy are:

    What’s not included in travel insurance for over 60s

    Every insurance policy is subject to exclusions, and travel insurance over 60 is no exception.

    Every policy is different, so you should check yours carefully so you know what you’re not covered for. This could include:

      When it comes to sports and pre-existing medical conditions, you may be able to find specialist cover. But you’ll only need it if they’re excluded from your travel insurance over 60 policy.

      How to find the best value travel insurance for over 60s

      As you get older, travel cover starts to become more expensive. That’s because you’re statistically more likely to make a claim. So travel insurance in your 60s might be pricier than what you’re used to.

      But of course you want to find the best value travel insurance for over 60s that you can. So here are some ways that you can try to make the cost of your travel insurance over 60 a bit lower:

        Finding cheap travel insurance over 60 shouldn’t be your main goal. The most important thing is to get the right level of cover. The best value travel insurance for over 60s is the one that offers you the level of cover you need for the cheapest price.

        Here are 8 more ways to make your travel insurance for over 60s cover cheaper

        What affects the price of travel insurance in your 60s?

        There are several factors that can affect the price of travel insurance over 60. These include:

          These are worth bearing in mind when you’re looking for the best value travel insurance for over 60s.

          How to get over 60 travel insurance with medical conditions

          If you have an existing medical condition, don’t worry. You can still get over 60 travel insurance with medical conditions. But it’s crucial that you let your insurer know about your illnesses or ailments when you get a quote.

          Over 60 travel insurance with medical conditions can be more expensive than travel insurance would otherwise be for over 60s. But hiding your medical conditions to get a cheaper policy could invalidate your cover.

          Sometimes, over 60 travel insurance with medical conditions might be subject to a higher excess charge if your claim is linked to an existing condition. Other insurers might exclude your pre-existing conditions all together and say you can’t claim for them.

          Get more help finding travel cover for your medical condition.

          What is the best value travel insurance for over 60s – single trip or annual?

          This depends on how many trips you’re planning on taking over the course of the year.

          If you’ll only be going away once in the next 12 months, then single-trip travel insurance for over 60s is likely to be better value. But, if you’ll be taking multiple trips, then annual travel insurance is likely to be your best bet. An annual policy means you don’t have to keep arranging separate policies every time you travel. Plus, the price of single trips can add up before you know it. So, even though an annual policy can feel like a big expense when you buy it, it may work out cheaper in the long run.

          If you take out annual travel insurance for over 60s, check the policy carefully. Many annual travel policies come with a duration limit on each trip you take.

          This guide explains how to work out whether single-trip or annual insurance is right for you.

          If you have a pre-existing condition, you can still get a quote through Money.co.uk. 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.

          Travel insurance for over 60s FAQs

          Yes, medical bills alone can easily run into the hundreds of thousands of pounds if you are ill or have an accident.

          It is because insurers view older travellers as riskier and more likely to make an expensive medical expenses claim when they travel.

          Some insurers will set a maximum age for their cover, for example 80, so check this before you get a quote.

          It depends on your policy, but most insurers offer maximum single trips lengths of between 31 and 365 days.

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