Travel insurance for over 75s

We offer two types of travel insurance for people over 75, depending on how often you plan to travel:  

• Single trip cover – if you’re only planning one holiday, single-trip cover might be more cost-effective than annual cover.  

• Annual multi-trip cover – if you're taking more than one trip in the next 12 months. You’ll be covered for multiple holidays, up to a set number of days per trip.  

Both options include access to our full range of cover. This can include protection for pre-existing medical conditions, depending on what you tell us during your quote.  

Once you’ve chosen the type of policy, you’ll also be able to:  

Select your destination – this affects what your policy includes and how much it costs.   

Choose your level of cover – all policies come with medical cover, cancellation protection and baggage cover as standard, but you can pick the level that suits your plans:  

• Basic – cover generally suitable for shorter trips with fewer valuables.  

• Comprehensive – a more generous level of protection.  

• Signature – our highest cover, with no excess to pay and the most extensive limits.  

Add optional extras – these help tailor your policy to the type of trip you’re taking. You might want:  

• Cruise Plus cover – for itinerary changes, onboard medical care, and cabin confinement.  

• winter sports and ski cover† – if you’re skiing or snowboarding.  

• golf cover – to protect your equipment and prepaid green fees.  

• gadget cover – for phones, tablets and other valuables.  

• travel disruption cover – for extra protection if your plans are affected by events like strikes** or bad weather.  

We’re often able to include a wide range of conditions that are more common later in life. In fact, up to 97% of people who tell us about their medical history are offered a policy.  

You can browse for your condition here, or simply start a quote. Even if your condition isn’t listed, we might still be able to help.  

When you get a quote, we’ll ask a few straightforward questions to understand your health. You can complete the screening online or over the phone – whichever feels easier. It’s not a test or a judgment – just a way to make sure your policy reflects your needs.  

A pre-existing medical condition is any illness or diagnosis you’ve had treatment, medication, symptoms or appointments for in the last two years. We’ll also ask if you’ve ever had heart problems, circulation issues or other long-term concerns, even if they were years ago.  

Being open about your health means your policy can do its job properly.  

Want more guidance on what to tell us? Read our guide to declaring medical conditions.  

Some travel insurers set an upper age limit – typically around 70 or 75 – which can make it harder to get the right policy as you get older. In some cases, cover may still be available, but with restrictions on things like trip length, destination, or policy type. 

At Staysure, we don’t put an upper age limit on our policies. In fact, we specialise in travel insurance for seniors.  

You can explore our age-specific travel insurance pages here:  

• Over 50s travel insurance.  

  
• Over 60s travel insurance.  

  
• Over 65s travel insurance.  

  
• Over 70s travel insurance.  

  
• Over 80s travel insurance.  

  
• Over 85s travel insurance.  

•  And beyond   

It’s easy to assume your bank’s travel insurance has you covered, but after a certain age, that might not be the case. 

Some bank travel insurance policies stop cover at age 70 or 75. Others continue but with restrictions, such as reduced trip lengths, or limited support for pre-existing medical conditions. 

That’s especially important if you’re managing ongoing health needs. Bank policies don’t always ask about medical history upfront, so it’s your responsibility to declare everything. If you don’t, you may not be fully covered. 

According to our Don’t Bank On It report, one in four said they chose bank travel insurance because it was free, yet claims were more likely to be declined, with a 9% higher rejection rate compared to specialist cover. 

That’s why many over-75s turn to providers like Staysure. We don’t set an upper age limit. And we’ll guide you through a clear, supportive quote process that helps make sure your policy fits you. 

You can download our full Don’t Bank On It report here.  

With our Comprehensive and Signature policies, if you lose your medication, we’ll be able to help you find replacements, so you don’t have to worry about any mishaps.   

Please note, while we can help you find replacements, the cost to replace them isn’t covered.  

Travel insurance does tend to cost more in your 70s and beyond. That’s because older travellers are more likely to make a claim, whether for illness, cancellations, or emergency medical treatment while abroad.  

Your quote will reflect how likely you are to need support while you’re away, and how much that support might cost. 

Learn more about what affects the price of travel insurance, or get a quote today.  

A GHIC or EHIC can be helpful, but they don’t do the same job as travel insurance – and they were never designed to.  

These cards give you access to state healthcare in some European countries, usually on the same terms as residents. That might mean reduced-cost treatment in a public hospital, or access to emergency care without needing to pay up front.  

But they don’t cover everything. They won’t help with getting you home after a medical emergency or support if you’re travelling with health conditions. And they won’t step in if your trip is cancelled, your luggage is lost, or your passport goes missing.  

That’s why many travellers still choose to have both – using their GHIC or EHIC for basic medical access, and travel insurance for the rest. Together, they give you much more complete protection, especially if your trip doesn’t go to plan.  

If you still have an EHIC, you can continue to use it until the expiry date. After that, you’ll need to apply for a GHIC through the NHS or GOV.uk.  

You can find out more about the GHIC and how it has replaced the EHIC in our blog.  

At 75 and over, the best travel insurance is one that reflects your health, your plans, and the way you travel now. 

That usually starts with medical cover. If you’re living with long-term or recently diagnosed conditions, it’s important to be able to declare them clearly. At Staysure, we ask straightforward questions to help include a wide range of conditions in your policy – so you know what is and isn’t covered before you go. 

Good cover should also protect more than just emergencies abroad. You may want cancellation cover that starts as soon as you take out your policy, and pays back the full cost of your holiday if your health changes. Some policies also include extra support, like bringing you home with a medical escort, or covering the cost if you need to stay longer after falling ill. 

It’s also worth checking the practical details. For example: 

• does the baggage limit reflect what you’re taking? 

• can you remove the excess or add optional extras like cruise cover? 

• are you happy with how long each trip can last? If you're 76 or over, single-trip cover with Staysure can last up to 104 days, depending on where you're going. 

If you're over 75, it's worth knowing that travel insurance can also help protect your trip before it even begins. Buying a policy early means cancellation cover starts from your chosen start date, including if your health changes after booking but before you travel. 

For single-trip travel insurance, it could be a good idea to buy your policy once your travel dates are confirmed. If you’re booking something further in advance – like a cruise – you can take out cover up to 18 months ahead and add cruise protection at the same time. For travellers aged 76 and over, the maximum trip length is 104 days.  

For annual multi-trip insurance, your cancellation cover starts from the policy start date. So, if you’re planning a few holidays in the year ahead, starting your policy early means you’ll be covered for anything that comes up in the run-up to each trip. If you’re over 70, each trip can last up to 35 days, with up to 183 days of travel covered in total across the year. 

A few things to keep in mind:  

• Your policy needs to start before you leave the UK.  

• You won’t be able to buy or activate cover once you’ve already departed.  

• If your health changes after booking, you’ll need to tell us before you travel.