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), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.
What we cover
We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.
We'll cover you if:
- you were diagnosed with Covid-19 before your trip was due to start
- a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
- you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
- an insured person or a close relative died during the trip because of Covid-19
- you couldn't take part in an excursion due to you self-isolating after getting Covid-19
What we don’t cover
You won't be covered if:
- you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
- any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
- you have to quarantine after arriving in the UK or abroad
- the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of 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
Admiral |
Admiral |
Admiral |
|
|---|---|---|---|
Excess |
£100 | £75 | £50 |
Emergency medical treatment & repatriation(Limits up to) |
£10M | £15M | £20M |
Cancellation or cutting short your trip(Limits up to) |
£1.5K | £3K | £5K |
Personal belongings(Limits up to) |
£1K | £2K | £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 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 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 conditions include:
- Cancer
- Diabetes
- Heart disease
- Stroke
You can declare your pre-existing 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 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 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.
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?
The maximum age limit for Admiral Travel Insurance is up to 75 years for annual multi trip policies – and up to 85 years for single trip policies.
However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.
Please get a quote or contact us to find out more.
Do you cover travellers over the age of 70 for Single Trip policies?
Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.
However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.
Please get a quote or contact us to find out more.
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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.