Travel Insurance over 65


A little older, a little wiser

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

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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

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
  • Delays or cancellation to your flight

Choose from three levels of cover

Admiral

Admiral
Gold

Admiral
Platinum

Excess

£150

£75

£50

Emergency medical treatment & repatriation
(Limits up to)

£10M

£15M

£20M

Cancellation or cutting short your trip
(Limits up to)

£1K

£2.5K

£5K

Personal belongings
(Limits up to)

£750

£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, either in the UK or abroad. You can also get cover for:

  • Loss of medication
  • Mobility cover
  • Emergency medical support

It's always best to buy cover well in advance of your trip in case your travel plans are 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.

Pre-existing medical conditions include:

  • Cancer
  • Diabetes
  • Heart disease
  • Stroke

Treatment or diagnosis for such illnesses that have occurred within the last two years are also classed as pre-existing conditions.

If you don’t tell us about any pre-existing medical conditions of yourself or other travellers named on the policy, you won’t be able to claim on your insurance for any costs relating to treatment when on your trip.

Your doctor must also confirm you’re fit to travel. If you don't get the go-ahead or travel against your doctor’s advice and become ill during your trip, you won’t be able to claim for medical treatment or expenses related to this illness.

If you don’t seek medical advice and fall ill on your trip, but would’ve been advised against travel had you sought it, you won’t be covered.

Registering for free treatment

If you’re travelling in the European Economic Area or Switzerland, you should apply for an EHIC (European 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 over 65

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 choose one of our Platinum policies, cruise cover is included as standard, but you must add the extra cover to the Admiral and Admiral Gold tiers.

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 scuba diving, 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?

It’s not necessarily more expensive as the cost of policies is dependent on 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?

We cover people up to and including the age of 79.

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