Planning a well-earned break or a big post-retirement adventure? With our over 60s Travel Insurance, you’re protected from the moment you book. Our specialist cover includes pre-existing medical conditions, 24/7 emergency support, and up to unlimited medical expenses – so you can travel with confidence.
What is Travel Insurance for over 60s – and why do you need it?
Over 60s Travel Insurance is designed for travellers aged 60 and over, with tailored cover that takes your health needs into account. This includes cover for over 1,300 pre-existing medical conditions, along with cancellations, lost luggage, and emergency medical treatment while abroad.
Why over 60s Travel Insurance matters:
- Specialist medical cover tailored to you – Nearly 95% of adults aged 60 and older have at least one chronic condition. That’s why we cover over 1,300 different medical conditions when on your trip. This includes having to cancel or cut your trip short due to existing medical conditions.
- Repatriation included as standard – If you need an air ambulance back to the UK and don’t have repatriation cover, you could face costs between £10,000 and upwards of £50,000. That’s not even including expenses for medical treatment. With AllClear, you’re covered for repatriation, so you’re never left to face that alone.
- 24/7 emergency assistance – Designed for older travellers, our global helpline is always just a phone call away. Whether it’s a medical emergency or a disrupted trip, we’re here to help.
Having the right policy in place removes the ‘what if’ worries, allowing you to travel with peace of mind.
What does AllClear’s Over 60s Travel Insurance cover?
Our Over 60s Travel Insurance is designed to give you complete peace of mind, from the moment you book until you’re safely home.
What’s covered?
- Medical expenses – We can cover any emergency medical treatment you need while travelling, including if it relates to pre-existing medical conditions you’ve declared.
- Medical aids – You can travel with confidence because we’ll protect all your important medical equipment and accessories from loss or damage.
- Medication – If you misplace your medication, we will help you get a replacement as soon as possible.
- Repatriation – This covers the cost of emergency medical transport back to the UK.
- Lost luggage – We will pay out if your baggage is stolen or damaged. This way, you can replace your important items and enjoy your holiday.
- Cancellation and curtailment – Provides cover if you have to cancel your trip due to an unforeseen emergency or reasons beyond your control.
- Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted, so you can continue your journey smoothly.
What’s not covered?
- Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy Travel Insurance so we can provide you with the right cover. This is especially vital for senior travellers, and those with long-term illness.
- High-risk activities – Some activities are not covered by our standard Travel Insurance. However, extra protection is available for an additional premium.
- Missed departure within your control – While we know that things can go wrong, you won’t be covered if you miss your transport for an issue within your control.
- Deciding not to travel – We offer cancellation cover for specific reasons, such as illness, injury or bereavement. For full details, please see your policy documents.
We offer three levels of cover to suit your travel style and budget: Gold, Gold Plus, and Platinum. Every option includes emergency medical cover and repatriation, with higher tiers offering more generous limits and added extras.
Not sure which level is right for you? Call our UK-based team for free advice.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
AllClear’s Travel Insurance for over 60s with pre-existing medical conditions
A pre-existing medical condition is any illness or injury you’ve experienced symptoms, treatment, investigations, surgery, or medical appointments for within the last two years.
Please remember that you must declare all pre-existing conditions on your policy.
Clinical Nurse Specialist, Kay Greveson explains more: “People often do not realise the cost of medical emergencies abroad. It’s natural that people believe it won’t happen to them, but even the most well-managed conditions need to be covered, in case the unexpected happens.”
We’ve already covered over 1,300 different medical conditions. Some of the most common for travellers over 60 include:
- Chronic illnesses – 94% of adults over 60 are currently living with at least one chronic condition, while nearly 80% have two or more. We provide cover for cancer, Crohn’s disease, IBS, gallstones and other long-lasting chronic conditions.
- Heart conditions – We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation.
- Diabetes – Disruptions in insulin production or usage affect blood sugar levels, including diabetes.
- Musculoskeletal conditions – Musculoskeletal disorders cause the most years spent in poor health for people aged 50 and over, with arthritis affecting almost 50% of adults over 65. These conditions affect your bones, muscles, and joints, including back problems and osteoporosis.
- Respiratory problems – This includes respiratory conditions that cause breathing difficulties, like asthma and COPD.
- Neurological conditions – These are disorders affecting the brain and nervous system, like strokes, epilepsy and multiple sclerosis.
- Mental health – 16% of older adults sought treatment for depression, and we provide cover for mental health too, including issues like anxiety and depression, as well as undiagnosed medical problems.
Declaring your medical conditions is quick and easy – either online or over the phone with our UK-based team. Get tailored cover in minutes.
Find the best over 60s Travel Insurance for your trip
We know that flexibility is an important factor during the planning stage of a holiday. The good news? Our policies are tailored to your exact needs and preferences so you can find the best Travel Insurance to suit your needs.
There are a few types of cover available to travellers over 60:
- Single Trip Travel Insurance is perfect if you’re only planning to travel once over 12 months. They offer holiday cover for your destination of choice for trips of up to 365 days
- Annual Multi Trip Travel Insurance works well if you’re travelling more than once within 12 months. It’s usually more cost-effective than buying repeat Single Trip policies, too
- Family Travel Insurance is ideal if you’re going away with the kids or family. You can cover everyone under one policy so that everyone has the same level of protection when you travel. Plus, you won’t need to worry about sorting out cover from different providers if you need to claim
- Cruise Travel Insurance is extremely popular with over 60s travellers, with 33% of UK cruise customers being aged between 60-69. Cruise cover offers protection specific to your cruise, including onboard medical emergencies, cruise interruptions and cancellations, cabin confinement and lost luggage
We also offer optional extras for additional cover on your trip. For example, our Gadget cover insures your electronic devices and our Golf Insurance protects your golf equipment.
Countries covered by our Over 60s Travel Insurance
What better way to enjoy your retirement years than by exploring new places? We provide a range of policies to keep you covered no matter where you’re travelling. Choose your region of cover based on your plans, and enjoy the same peace of mind, wherever you go.
You can choose from:
- UK Travel Insurance – Cover for trips within the UK, including cancellation, lost baggage and medical emergencies.
- European Travel Insurance – Includes all EU countries, plus popular non-EU destinations like Egypt, Morocco and Tunisia. Great for city breaks, sun holidays and sightseeing tours. This type of cover also includes protection for medical emergencies and pre-existing conditions.
- Worldwide Travel Insurance – Full global cover for trips across Asia, Africa, Australia, South America and more. You can also choose whether to include or exclude the USA, Canada and Caribbean.
Wherever you go, we provide comprehensive cover for pre-existing medical conditions – plus 24/7 emergency assistance.
How our Travel Insurance for over 60s works: A simple 3 step quote process
To make sure you get the best Travel Insurance for your trip away, you will first need to complete our quick and simple 3-step screening process.
Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.
Our experts say…
“What better way to embrace your golden years than with a passport in hand? We want travellers of all ages to enjoy exploring the world, whatever your holiday style and even if you have medical conditions. But travelling isn’t without its risks, which is where we can help. We can support you in safeguarding your adventures with our comprehensive over 60s Travel Insurance, so you can focus on making the most of this exciting chapter in your life.”
Letitia Smith MSc, Travel Insurance expert
What our Customers Say
AllClear - Excellent
“Excellent- quick, efficient and felt valued. Paul was very polite and patient with all queries. Offered good value for those over 60 with pre-existing medical conditions” – Abraham.
Frequently Asked Questions about Over 60s Travel Insurance
Does Travel Insurance cost more when you turn 60?
Yes, premiums may increase slightly with age. That’s because older travellers are more likely to have medical conditions or need support while away. But at AllClear, we offer fair, tailored pricing based on your individual circumstances – not just your age.
Is there an upper age limit for AllClear Travel Insurance?
No, we do not have any upper age limit on our policies. You can travel with us whether you’re in your 60s, 70s, 80s or beyond.
However, the cost of your policy will depend on a number of factors, including your age, medical conditions, your chosen level of cover and destination.
What does Travel Insurance for Over 60s cover?
This policy covers emergency medical treatment abroad and up to £25K for trip cancellations.
Additionally, you’re also covered for travel disruptions and delays, and insured against lost, damaged, or stolen baggage and personal belongings.
When should you buy Over 60s Travel Insurance?
As with any policy, you can get your over 60 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. Martin Lewis says that the best time to buy your Travel Insurance is as soon as you book your trip.
This way, you’re covered if you become ill or if a medical condition forces you to cancel or delay your trip.
Do you need Over 60s Travel Insurance if you have a GHIC card?
Yes, it is essential you have over 60s Travel Insurance, even with a Global Health Insurance Card (GHIC).
GHIC only provides limited cover for emergency medical treatment within the European Economic Area (EEA) and Switzerland. You won’t be covered for other issues, such as luggage loss, travel delays, or cancellations.
Do you need to declare all your medical conditions for Travel Insurance?
When buying Over 60s Travel Insurance, you must declare any pre-existing medical condition you may have. If you choose not to declare all of your conditions, your cover could be declined.
You can declare your medical conditions and get comprehensive cover in minutes. This can be completed via our online quote process or by calling one of our trained professionals.
What factors will affect the cost of over 60s Travel Insurance?
The cost of your Travel Insurance is determined by a number of factors including your age, medical history, destination, duration of the trip and level of cover.
Does being over 60 affect how long you can travel on the Travel Insurance policy?
Over 60 Holiday Insurance covers you while you’re in your 60s. However, AllClear branded policies have no maximum age limit. You can travel With AllClear at any age with our Seniors Travel Insurance.
Does the Over 60's Travel Insurance cover include repatriation?
Yes, you’ll be covered for costs if you need to return to the UK when you buy our Over 60s Holiday Insurance. Cover for repatriation back to the UK also extends to any other travelling member listed on your policy.
Can you get over 60's cover if you're on a waiting list for treatment?
Yes, be sure to say that you are on a waiting list for treatment during the Medical Warranty section of your quote.
Plus, if you’d like to be covered for cancelling your holiday due to being on the waiting list, add Waiting List cover as an optional extra.
Can someone under 60 join your Travel Insurance policy?
Of course! Being on the same policy as a friend or family member also has many great benefits.
For example, if you’ve opted for cancellation cover in your policy, all of you can benefit from it if needed.
How often can you travel with Travel Insurance for over 60s?
Travel Insurance for over 60s can be bought as an Annual Multi-trip Travel Insurance policy, allowing you to take multiple trips throughout the year.
Instead of specifying your exact destinations, you choose your preferred region of cover, so you can:
- Travel for up to 365 days on a Single Trip Travel Insurance policy
- Enjoy up to 45 days per trip on standard annual multi-trip policies, with the option to extend your stay up to 55 days. The maximum trip duration may vary between Annual Multi-Trip policies
Refer to your policy wording for more information.
Does Travel Insurance for over 60s cover cancer?
Yes. We cover many types of cancer, including ongoing and past conditions. You’ll need to declare your diagnosis and treatment history during the quote process, and we’ll tailor your cover to suit your specific situation.
Is cruise cover included in Over 60s Travel Insurance?
Cruise cover is not included automatically, but it’s easy to add. Our cruise extension protects you against missed ports, cabin confinement, medical emergencies at sea and more – perfect for travellers aged over 60 who love to cruise.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our travel guides to help you plan your trip, discover new locations and make the most out of your travels.
Which activities do you have planned?
Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra cover to your policy for a worry-free trip.
