Important information about your cover and Coronavirus (Covid - 19)

There's information for new and existing customers and answers to frequently asked questions on our Coronavirus page.

New Customers

Our Travel Insurance policy doesn't cover most claims relating to Covid-19, SARSCoV-2 or any future mutation or variation. This includes but isn't limited to cancelling or cutting short your trip, changes in FCO advice after booking or any costs associated with being placed under quarantine in the UK or abroad. However, providing you're travelling to an area where no FCO advice against travel exists we'll provide cover relating to medical emergencies and repatriation for Covid-19.

There's no cover under any section of our travel policies if you travel against FCO advice.

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

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
  • Travel delay

Choose from three levels of cover

Admiral

Admiral
Gold

Admiral
Platinum

Excess

£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 online quote process to see if we can offer cover. If you’re unsure what needs to be declared or you have multiple conditions and one of them isn’t on the medical screening list, please contact us on 0333 234 9913 to declare all your pre-existing medical conditions.

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 you would’ve been advised not to travel had you sought it, you won’t be covered.

Your pre-existing medical conditions won’t be covered unless you’ve declared them all on your policy, received acceptance of this in writing, and paid any additional premium in full. If you don’t tell us about your pre-existing medical conditions or give us incorrect information your policy may be invalid, we may refuse your claim or not pay your claim in full.

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 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?

For customers buying cover direct with Admiral, the age limit for an annual Europe policy is 79. For our annual Worldwide policies (excluding or including USA, Canada, Caribbean and Mexico), the maximum age is 75.

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

Yes, the age limit varies between 79 years and 85 years for policies bought direct with Admiral.

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 age limit varies between 75 years and 79 years for policies bought direct with Admiral.



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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.