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Travel Insurance for seniors

A little older, a little wiser

Travelling in your 60s and beyond is a great way to enjoy your retirement

What’s covered?
Pre-existing medical conditions and directory

If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking new experiences.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19).

What we cover

  • Emergency medical and repatriation costs if you become ill with COVID-19 while abroad
  • If you contract COVID-19 within 14 days of your trip departure and have to cancel or cut short your trip
  • You’re denied boarding on your pre-booked outbound travel due to a positive COVID-19 test
  • If a close relative is hospitalised with COVID-19 within 14 days of your trip meaning you can’t travel, or if you’re forced to cut short your trip for this reason
  • You can't continue with a pre-booked excursion because you've been ordered to self isolate by a government authority because you contracted Covid-19 while on your trip

What we don’t cover

  • If you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or travelled e.g. you knew of a need to take a test, you were awaiting test results or experiencing symptoms
  • Cancelling your trip because you choose to or were recommended to self-isolate due to potential exposure to COVID-19 e.g. NHS track and trace
  • If you travel against Foreign Commonwealth and Development Office (FCDO) advice. You will need to check the travel advice for all countries you visit or will transit through
  • Cancelling or cutting short your trip due to the FCDO changing its advice regarding your destination or countries you will transit through due to COVID-19
  • Costs incurred as a result of a local outbreak of COVID-19 that meant you couldn’t stay in your pre-booked accommodation or vessel
  • Due to travel restrictions or quarantine imposed by any government or public authority, including local lockdowns and compulsory entry requirements
  • Where a travel companion or close business associate not insured on this policy or anyone you planned to stay with contract COVID-19
  • Where you were denied boarding for your pre-booked outbound travel, but you test negative for COVID-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel insurance for over 60s

As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re on holiday.

But it provides cover for a wide range of scenarios, including:

  • Your belongings being lost, damaged or stolen
  • Needing legal assistance while you’re away
  • Travel delay

Choose from three levels of cover





£100 £75 £50

Emergency medical treatment & repatriation

(Limits up to)

£10M £15 £20

Cancellation or cutting short your trip

(Limits up to)

£1K £2.5K £5K

Personal belongings

(Limits up to)

£1K £1.5K £2.5K

Money & documents

(Limits up to)

£300 £400 £500


Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes cover for:

  • Loss of medication
  • To bring you home following emergency medical treatment

It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’t covered.

Travel insurance for over 60s with pre existing medical conditions

You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.

A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.

Pre-existing medical conditions include:

  • Cancer
  • Diabetes
  • Heart disease
  • Stroke

You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing medical conditions won’t be covered unless you’ve:

  • Declared them all on your policy
  • Received written confirmation that we’ll cover your medical condition
  • Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Registering for free treatment

If you’re travelling in the European Economic Area or Switzerland, you should apply for a GHIC (Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medical expenses.

Some countries, such as New Zealand, Australia and the Falkland Islands, also have reciprocal health care agreements with the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover the costs.

To find out the true costs of getting ill abroad, check out our interactive globe where you can explore the cost of medical treatment in the most popular travel destinations for UK holidaymakers.

Cruise travel insurance for over 65s

A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.

Adding the Cruise upgrade means your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without the add-on.

As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medical officer.

Cover for sports and leisure activities

It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.

These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years for cover.

If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check your policy book or contact us to clarify what you will and won’t be covered for.

I’m going golfing – will my golf clubs be covered?

If lush fairways and the possibility of landing that elusive hole-in-one are your idea of holiday heaven, you can add golf cover to your policy.

That way, you’ll be able to claim (up to policy limits) if your clubs are damaged, lost or stolen, or you lose your green fees because of bad weather or injury.

Your questions answered

Is travel insurance more expensive for older people?

Not necessarily. The cost of policies is dependent on a range of factors including the location, duration and nature of your trip.

Most travellers in their 60s find there's little to no difference in the cost of cover, but there may be restrictions as to what's included in the cover.

However, travel insurance for over 70s can cost a bit more. This is because a person over 70 requires more advanced medical cover due to the increased probability of health issues while travelling.

Is there a maximum age for Admiral Travel Insurance?

Yes, the maximum age limit varies between 79 years and 85 years for single trip policies and between 75 years and 79 years for annual multi trip policies.

Do you cover travellers over the age of 70 for Single Trip policies?

Yes, the maximum age limit varies between 79 years and 85 years for single trip policies and between 75 years and 79 years for annual multi trip policies.

Can you get winter sports insurance for over 70s?

Our winter sports travel insurance upgrade covers people up to and including the age of 65. Anyone 66 or older won't be covered.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Yes, the maximum age limit varies between 79 years and 85 years for single trip policies and between 75 years and 79 years for annual multi trip policies.

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Getting the most out of your trip

Going anywhere nice?

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Travel Insurance upgrades

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.