What does travel insurance for over 75s cover?
Get travel insurance for over 75s
Our over 75 travel insurance policies give you cover for medical emergencies, lost luggage, unexpected travel delays, and trip cancellations. Our policies can also cover your pre-existing medical conditions. Because a condition you live with every day shouldn’t stand between you and your next holiday.
For the ins and outs, read our guide to what travel insurance covers.
Fed up with age restrictions on your travel insurance? We get it.
That’s why there’s no upper age limit on any of our policies. So you can embrace your wanderlust, no matter how many candles grace your birthday cake.
Isn’t it time you joined the 10 million people who have trusted us with their travel insurance since 2005?
| Basic | |
|---|---|
| Medical emergencies and repatriation | Up to £5m |
| Cancellation | Up to £500 |
| Cutting your holiday short | Up to £500 |
| Baggage | Up to £300 |
| Travel delay | Up to £300 |
| Money and passport | Up to £300 |
| COVID-19 | |
| Excess | £129 |
| Comprehensive | |
|---|---|
| Medical emergencies and repatriation | Unlimited |
| Cancellation | Up to £5k |
| Cutting your holiday short | Up to £5k |
| Baggage | Up to £2.5k |
| Travel delay | Up to £1.5k |
| Money and passport | Up to £500 |
| COVID-19 | |
| Excess | £99 |
| Signature | |
|---|---|
| Medical emergencies and repatriation | Unlimited |
| Cancellation | Up to £10k |
| Cutting your holiday short | Up to £10k |
| Baggage | Up to £5k |
| Travel delay | Up to £1.5k |
| Money and passport | Up to £500 |
| COVID-19 | |
| Excess | £0 |
| Basic | Comprehensive | Signature | |
|---|---|---|---|
| Medical emergencies and repatriation | Up to £5m | Unlimited | Unlimited |
| Cancellation | Up to £500 | Up to £5k | Up to £10k |
| Cutting your holiday short | Up to £500 | Up to £5k | Up to £10k |
| Baggage | Up to £300 | Up to £2.5k | Up to £5k |
| Travel delay | Up to £300 | Up to £1.5k | Up to £1.5k |
| Money and passport | Up to £300 | Up to £500 | Up to £500 |
| COVID-19 | |||
| Excess | £129 | £99 | £0 |
These are just a few of the things our policy covers. For the ins and the outs, take a look at our policy wording.
Get QuoteTravel insurance is always there to step in when things don’t go as planned, but keep in mind, there are some things that holiday insurance for over 75s doesn’t cover.
Here’s what your travel insurance policy won’t cover:
✘ Trips taken for medical treatments
✘ A pre-existing health condition you haven’t let us know about
✘ Incidents relating to alcohol or controlled substances
✘ Choosing not to go on your trip
✘ Strikes that were public knowledge when you made your booking
Learn more about what you need to know before buying travel insurance in our guide.
Does travel insurance cover pre-existing medical conditions for over 75s?
“Most pre-existing conditions can be covered by our over 75s policy. You’ll pay more for cover, but it means you're protected against any hefty medical bills should you need emergency treatment when you’re away.”
- Vikki Measures, travel insurance expert
Read Vikki's guide to what medical conditions you need to tell your travel insurer about
You may have noticed that as you’ve hit the over-75 mark, your travel insurance price has taken a bit of a jump. Sure, age plays a part, but it’s not the whole story. Several other things can nudge your policy cost up or down. Things like:
Want to find out more about what affects the cost of travel insurance? Read our blog post for more details.
Want to lower your policy cost a little? There are a few ways to make over 75s travel insurance more affordable.
Firstly, don’t go overboard with your cover. If your holiday costs just a few hundred pounds, you don’t need an all-inclusive policy that covers thousands. A handy way to know if you’re sufficiently covered is by checking the amount of cancellation cover included. See what your trip costs per person, and choose a policy that matches that amount.
Planning just one trip? A single trip policy will likely be your best choice. But, if you’re always on the go, an annual policy could offer better value than buying multiple single trip policies.
But keep in mind, cheaper isn’t always better, especially when it comes to pre-existing health conditions. So, make sure you’re picking the right cover for your needs, not just the least expensive one.
If you’re over 75, you may find that travel insurance costs a bit more than younger travellers. This is mostly due to the higher likelihood of health issues cropping up – be it pre-existing conditions or unexpected ones. Since the risk of illness is higher, there’s also a greater chance you’ll need to use your travel insurance.
Buying your travel insurance as soon as you’ve booked your holiday is a smart move. This makes sure that if an unexpected event forces you to cancel, you’re covered.
Even if your trip is a couple of years down the line, you may be able to get a single trip policy up to two years in advance. So, go ahead and book that dream holiday knowing you’re protected.
No matter your age, we’ve got you covered. Fancy a weekend getaway to Rome? Our European policy has you sorted. Or maybe you’re thinking of a grand adventure across the globe? We’ve got a worldwide policy for that.
Everyone’s holiday plans look a little different. Whether it’s a quick weekend escape or a family visit overseas, we make finding the perfect cover a breeze!
1. Single trip travel insurance is designed for one round trip. It’s a great fit if you’re not a frequent traveller and don’t want to pay for unused cover. With this policy, you can journey for up to 104 days.
2. Annual travel insurance gives you cover for multiple trips throughout the year. This is a good option if you’re a regular jet-setter taking multiple trips within 12 months, and you can travel for up to 35 days per trip. You won’t need to buy separate policies for each journey, and it can work out better value for money too. You can travel for up to 183 days in a 12 month period.
Find out more about their differences in our blog, Annual vs Single Trip Travel Insurance.
Are you a tech enthusiast? Or maybe you’re planning to set sail on a cruise? Get your travel insurance quote and add on extra cover where you need it.
Off on a cruise holiday? Cruise Plus Cover protects you against things like not being able to dock at a scheduled port due to bad weather, and cabin confinement.
It’s available on Comprehensive and Signature policies. Find out more about our different levels of Cruise Travel Insurance.
If you need to make a claim, having an excess waiver means you won’t have to pay out from your own pocket. This can’t be added retrospectively and does not apply to Car Hire Excess Waiver or Gadget cover.
It’s available on Comprehensive policies as an add-on, but included on Signature policies as standard.
If you’re going to be taking expensive tech away with you, like a laptop, smartwatch or smartphone, Gadget Cover can protect an unlimited number of your devices for up to £2,000.
This cover includes protection against accidental loss or theft, damage from accidents or malicious intent, liquid damage, and unauthorised call, text or data usage.
It’s available on Comprehensive policies as an add-on, but included on Signature policies as standard. Learn more about Gadget and Mobile Phone Travel Insurance.
Extra cover for travel disruptions relating to volcanic eruptions, explosions, tsunamis and snowstorms. This add-on can also cover the costs for additional overseas accommodation and travel, extended travel delays and food poisoning outbreaks at your hotel.
Find out more about our Travel Disruption cover and what is already covered on a standard policy. Travel Disruption Extension Cover can be added to any policy.
This add-on can help if you have a medical emergency while taking part in winter sports activities. Available on Comprehensive and Signature Single Trip policies, it can also help cover the costs should you lose or damage your own winter sports equipment as well as cover the costs of unused ski passes, piste closures and avalanches.
Winter sports cover is already included as standard when you choose a Comprehensive or Signature Annual policy and covers you for two trips, up to a total of 28 days. Find out more about Winter Sports travel insurance.
Golf insurance covers your golf equipment rental and non-refundable fees. It also includes up to £300 if you’re lucky enough to strike a hole in one. (It’s tradition for the hole-in-one golfer to buy a round of drinks for everyone in the club!)
To make a claim for hole-in-one cover, you’ll need to be a member of an officially recognised golf club affiliated with a national golf union, be playing at an affiliated golf course and have your scorecard signed by your playing partner.
It’s available on Comprehensive and Signature policies when playing non-professionally only.
You’re never too old for an adventure! Our travel insurance for seniors has no upper age limit, so you can rely on us to always have a policy that's tailored to you.
* Data given by our underwriter.
