Aged 65 or over? Our Travel Insurance for the over 65s will cover a range of unexpected costs when you’re on holiday. We’ll cover your emergency medical expenses when you’re on holiday and cancellation costs before you go, even if you have a pre-existing condition. You’ll have the reassurance you need to make the most of your retirement years by travelling with the right level of cover.
What is Over 65s Travel Insurance – and why do you need it?
Over 65s Travel Insurance offers tailored protection for older travellers, with specialist cover for pre-existing medical conditions, trip cancellations, lost baggage and more. It’s designed to support your health and finances if the unexpected happens while you’re away.
As we age, the risks while travelling can increase, making comprehensive Travel Insurance more important than ever.
Why is it essential?
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- One in two people aged over 60 will have a fall at least once a year, according to the NHS. If you have a fall while travelling, our Travel Insurance will cover your costs. With air ambulance prices reaching between £10,000 to upwards of £50,000, Travel Insurance is essential to ensure you won’t face expensive bills.
- Over half (54%) of older people have at least two chronic conditions. We cover over 1,300 different medical conditions. If unexpected issues arise on your trip as a result of these conditions, we’ll make sure you’re protected.
- Emergency assistance for peace of mind: With our 24/7 emergency assistance services, if issues arise, you can rest assured that help and support are just a phone call away.
Even the best-planned holidays can go off course. With Over 65s Travel Insurance from AllClear, you’re protected from medical bills, cancellations, and other common travel disruptions, so you can explore with total peace of mind.
What does AllClear’s over 65s Travel Insurance cover?
Our Travel Insurance for Over 65s gives you comprehensive protection – whether it’s a city break in Europe or a big trip further afield. Every policy includes cover for medical emergencies, travel delays and much more.
What’s covered?
- Medical cover – AllClear policies include emergency medical cover, including for existing conditions you have. This includes prescription medication and medical equipment.
- Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency.
- Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
- Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. If you miss your flight, you’ll also be covered for accommodation and transport costs.
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
- All ages – We think Travel Insurance should be available to as many people as possible; that’s why our Travel Insurance for over 65s has no upper age limit.
What’s not covered?
- Deciding not to travel – We do not provide any cover if you can travel but choose not to.
- Other regions – Your Over 65’s Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy at any time.
- Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
- 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
We tailor all our travel policies to your specific requirements, which is why we have three different levels of policy available: Gold, Gold Plus, and Platinum.
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 65s with pre-existing medical conditions
We believe everyone should have the right to travel – no matter their age or health history. That’s why our Over 65s Travel Insurance covers over 1,300 pre-existing medical conditions, including those that other insurers may exclude. As a Specialist Medical Travel Insurance provider, AllClear has helped over 3.5 million travellers stay protected wherever they go.
Pre-existing medical conditions we regularly cover include:
- Heart Conditions – We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation. We’ll also provide cover if you have a pacemaker.
- Respiratory problems – This includes conditions that are linked with, or cause breathing difficulties, like asthma and COPD.
- Chronic illnesses – Nearly 95% of adults 60 and older are living with at least one chronic condition. We cover issues like Crohn’s disease, cancer, gallstones and other long-lasting concerns.
- Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems, osteoarthritis and osteoporosis.
- Neurological conditions – Disorders affecting the brain and nervous system, including strokes, epilepsy and multiple sclerosis.
Our medical screening process is quick and simple, and can be done online or over the phone. Just declare your health conditions when you get a quote to make sure your policy offers the right level of protection.
Find the best Over 65s Travel Insurance for your trip
The type of Travel Insurance you need will change slightly depending on your trip. That might mean optional extras, like valuable cover for your golf clubs, being protected against cruise cabin confinement or even cover for the whole family.
Choose a policy that fits your plans:
- Taking one holiday this year? Our Single Trip Travel Insurance will cover you for a single trip of up to 365 consecutive days.
- Getting out to see the world? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year.
- Going on a cruise? We’ve got you covered, with Cruise Insurance that protects you against things like cabin confinement, missed departures and even unused excursions.
- Taking the grandkids away? Our Family Travel Insurance can cover the entire family (up to 10 people), in a single policy. Less hassle, less paperwork, more time having fun.
You can also customise your policy with optional extras, such as Gadget Cover for your phone or tablet, and Golf Cover to protect your clubs and cover green fees while abroad.
Countries covered by our Over 65s Travel Insurance
Wherever you’re heading, we’ve got you covered. From UK staycations to long-haul escapes, our over 65s Travel Insurance is available for a wide range of destinations – with no upper age limit and flexible regional options.
Choose cover for your destination:
- UK – Our UK policies cover you while on holiday in the UK. Please note that cover for medical expenses does not apply to UK trips.
- Europe – Get cover for any country in Europe, as well as Egypt, Morocco and Tunisia.
- Worldwide – The world is your oyster with Worldwide cover. You can choose to include or exclude the USA, Canada and the Caribbean.
Not sure which region your destination falls into? Give us a call and we’ll help you choose the right option.
How our Travel Insurance for over 65s works: A simple 3 step quote process
Getting Over 65s Travel Insurance is made easy with AllClear. Simply complete our quick 3-step screening process to get your quote.
Here’s how it works.
1. Get a quote online or by phone
Once you are ready to start the quote process, the first step is to provide your personal details and information about your travel plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
Next, you need to declare any medical conditions you have and any medications you or your travel companions are taking.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You will then get your quote(s) and can either proceed to buy or save your quote at this stage.
“Age shouldn’t be a barrier to exploration and adventure, and many people enjoy travel well into their 60s, 70s, and older. However, comprehensive Travel Insurance is important, so make sure you have yours in place before you set off. We’ll cover you for a wide range of unexpected challenges, so you can travel with confidence.”
Letitia Smith – Travel Insurance expert
It can be difficult to find an insurance provider if you’re over 65, but we don’t think that’s fair. We have over 20 years of experience as specialists covering older travellers.
Did you know that 97%2 of our customers rate us as ‘Excellent’ or ‘Great’? Here’s what our customers had to say about us.
What our Customers Say
Frequently Asked Questions about Over 65s Travel Insurance
Is Travel Insurance more expensive when you turn 65?
You might notice a small increase in price after turning 65, and that’s mainly because insurers see a higher chance of claims as we get older. But it’s not just about age. Your destination, trip length, and any medical conditions also play a big part. The good news? With AllClear, you can still get comprehensive cover that’s tailored to you, at a price that makes sense.
Which Travel Insurance is recommended for over 65s?
It really depends on your plans. If you’ve got one holiday booked this year, our Single Trip Travel Insurance is a great fit. But if you’re planning to travel more than once, it might be worth going for Annual Multi-Trip Travel Insurance. It’s more convenient and could save you money in the long run.
All our policies have no upper age limit and include Covid cover as standard, so you can travel with added peace of mind.
You can also tailor your policy with optional extras like:
- Travelling companion cover so your travel buddy can stay with you if anything unexpected happens.
- Waiting list cover is ideal if you’re awaiting treatment and want to safeguard your plans in case you need to cancel or cut your trip short.
- Golf cover protects your clubs and green fees while you play.
- Gadget cover protects your most important items for up to up to £3,000.
- Excess waiver means you won’t pay anything if you need to claim.
How often can you travel with over 65s annual Travel Insurance?
How often you can travel will depend on the type of policy you have:
- If you’ve got our Single Trip Insurance, it will cover a one-off trip for up to 365 days.
- With our Annual Multi-Trip Travel Insurance, the maximum length you can be covered while abroad is 45 days. It will allow you to take any number of trips during the year, within your chosen region of cover. If you need to be covered for longer than 45, you can increase to 50 or 55, depending on your policy type.
What if your medical conditions change after buying Over 65s Travel Insurance?
If anything changes with your health after you’ve bought your policy, it’s really important to let us know. You can update your details quickly online or by calling our UK-based Customer Care Team on 01708 339026.
Keeping your policy up to date ensures you’re fully protected when you travel, and that any claims related to new conditions are valid.
When should you buy Over 65s Travel Insurance?
You should buy Over 65s Travel Insurance as soon as you have booked your trip. That way, you’re less likely to forget to purchase insurance. You’ll also be protected if any issues arise between booking and travelling. If you’re not in a position to book Travel Insurance right away, make sure you buy at the soonest opportunity so you’re covered for cancellation.
Remember that you need to buy your Travel Insurance before you leave the UK for it to be valid.
Do you need Over 65s Travel Insurance if you have a GHIC card?
You still need Over 65s Travel Insurance, even if you have a GHIC (previously EHIC) card. The GHIC will cover medical expenses in the event of an emergency if you are visiting Europe. However, the GHIC card does not cover any other costs that might be incurred if anything goes awry, such as if your flights are cancelled or you lose your valuables. That’s why having both GHIC and separate Travel Insurance is essential to ensure you’re covered for all eventualities.
Do you need to declare all your medical conditions for Travel Insurance?
Yes, it’s essential to declare all your medical conditions when buying Travel Insurance. That way, we can make sure you’re properly covered if anything happens while you’re away.
If you don’t tell us about a condition and need to make a related claim, your policy might not cover it. You could end up having to pay the costs yourself. It’s always better to be upfront so you can travel with confidence.
What factors will affect the cost of over 65s Travel Insurance?
Your insurance premiums are calculated based on several different factors, including your age and any pre-existing medical conditions you have.
Here are a few other things that contribute to your quote premium.
- Your destination: Some places carry a greater risk of you needing to claim or a more expensive health care system.
- Activities: While we cover some activities as standard, you’ll need to pay an additional premium to take part in others.
- Trip length: The longer you’re away, the greater the odds of a claim, and hence, the impact on the policy premium.
- Additional cover: You may want to include extra cover for a special type of holiday, such as a cruise or golfing holiday.
Does being over 65 affect how long you can travel on the Travel Insurance policy?
No, your age does not affect how long you can travel on our Travel Insurance policies.
The length of stay is only dictated by the policy you’ve chosen:
- Single Trip Travel Insurance covers you for one trip that is up to 365 days long.
- Annual Multi-Trip Travel Insurance covers you for multiple trips throughout the year, but each trip can last up to 45 days. You can increase it to 50 or 55, depending on your policy type.
Can you get Over 65s Travel Insurance if you’re on a waiting list for treatment?
Yes, you can still take out Over 65s Travel Insurance even if you’re on a medical waiting list. We recommend getting Waiting List Cover as an optional extra when buying your policy.
This optional extra gives you peace of mind, so if your treatment date changes and you need to cancel or cut your trip short, you’ll be protected.
Can someone else join your Travel Insurance policy if they're under 65?
Yes, you can add more people to your Travel Insurance policy, no matter their age. As part of our Group Travel Insurance, we can insure between two to ten people on a single policy. There’s no age limit, but we do need to know if anyone in the group has pre-existing medical conditions.
If you’ve already got a policy that you want to add people to, simply chat with us online or call us on 01708 339026.
How often can you travel with Travel Insurance for over 65s?
We believe that your age shouldn’t limit how often you can travel. With our Travel Insurance for over 65s, you’re able to travel as often as you want if you’ve got Annual Multi-Trip Travel Insurance. This covers you for multiple trips throughout the year, as long as each trip isn’t longer than 31 consecutive days.
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