Retirement is a fantastic opportunity to travel the world – but before you go, it’s essential to make sure you have the right protection in place.
That’s where over 70 travel insurance comes in. Let’s explore everything you need to know before booking your next adventure.
- 60-second summary: Over 70 travel insurance in a nutshell
- The cost of travel insurance is usually higher for over 70s because of the increased risk of needing medical treatment.
- Policies for travel insurance for over 70s focus heavily on health and medical cover.
- If you’re travelling in Europe, having a GHIC card is essential – but it should be used alongside your insurance.
- Shopping around pays off. Always compare before you buy.
What is travel insurance for the over 70s?
Travel insurance for over 70s is designed specifically for senior travellers.
Unlike standard policies, these plans offer greater medical coverage, which is often the most important protection for older travellers.
Yes, insurance can be more expensive as you age – especially if you have a pre-existing medical condition. But the good news is that many providers now offer dedicated over 70 travel insurance policies, making it easier to get the right protection without overspending.
What is the best travel insurance for over 70s with medical conditions?
The best policy is one that balances affordability with the cover you actually need.
Finding cheap over 70 travel insurance can be tricky if you have conditions like diabetes, cancer, or heart issues. These increase the likelihood of a claim, which raises costs.
Still, don’t just chase the cheapest policy. It’s smarter to look for a provider who can tailor coverage for your specific health needs.
💡 Pro tip: When you declare medical conditions through comparison sites, you’ll only see quotes from insurers willing to cover those conditions – with no hidden exclusions.
For more complex conditions, MoneyHelper also offers a directory of insurers who can give tailored quotes over the phone (0800 138 7777).
Is it easy to get travel insurance if you’re over 70?
Yes – many providers now have dedicated travel insurance for over 70s.
However, some do impose upper age limits depending on the policy type (single-trip vs. multi-trip). Always double-check before you purchase.
What does travel insurance for over 70s cover?
Policies for over 70 travel insurance put extra focus on medical and health cover.
Some may include:
- Post-hospital aftercare
- Cover for medical equipment
- Protection for pre-existing conditions like cancer or diabetes (as long as you declare them)
You might also be able to add a carer to your policy if you need one to travel with you.
In addition to medical cover, you’ll also find standard protections such as:
- Repatriation (getting you home if you become ill)
- Lost or stolen baggage
- Trip cancellation
- Flight delays and missed connections
What doesn’t travel insurance for over 70s cover?
Some common exclusions include:
- Undeclared medical conditions
- Certain sports and activities (unless you pay extra for coverage)
- Accidents while under the influence of alcohol or drugs
- Terrorist incidents (sometimes offered as an add-on)
- Cruises (which may require a dedicated cruise policy)
Always read the fine print so you know what is – and isn’t – included.
How much does travel insurance for over 70s cost?
Naturally, policies for over 70 travel insurance are pricier than standard ones because of the higher health risks.
For example, Compare the Market data shows that a healthy traveller over 70 could get a one-week policy for around £36.10 (as of April 2025).
Other factors that affect price include:
- Destination (Europe is usually cheaper than worldwide cover)
- Length of trip
- Activities you plan to do (e.g., skiing raises costs)
- Level of medical cover selected
👉 If you travel often, consider an annual travel insurance for over 70s policy. It may work out cheaper than buying single-trip coverage multiple times.
[1] Based on Compare the Market data for a single trip travel policy for a 70+ traveller with no pre-existing medical conditions on a seven-day trip. Prices correct as of April 2025
Optional extras with holiday insurance for over 70s
Depending on your provider, you might be able to add:
- Cruise cover – for things like missed ports and cabin confinement.
- Gadget cover – to protect smartphones, laptops, and tablets.
Should I declare pre-existing medical conditions?
Yes – always.
Failing to declare a medical condition could void your policy. Insurers ask about your health simply to tailor your coverage.
Some tips for travelling with a medical condition:
- Pack extra supplies of medication in both hand luggage and checked bags.
- If you have a pacemaker, inform airport security in advance.
- Carry a copy of your insurance documents and a doctor’s note.
- Research local hospitals at your destination.
Where can I go with over 70s travel insurance?
Coverage usually falls under these regions:
- The UK
- Europe
- Worldwide (excluding USA, Canada, Mexico, Caribbean)
- Worldwide (including those regions)
Watch out: insurers classify some countries differently (like Turkey or Egypt). Always check before booking.
Do I need a GHIC card?
Yes – if you’re travelling in Europe.
A GHIC (Global Health Insurance Card) gives you access to state healthcare in emergencies. But it doesn’t replace over 70 travel insurance. It won’t cover baggage, cancellations, or medical repatriation.
You can apply for a GHIC for free on the NHS website.
What else should I consider with over 70s travel insurance?
When comparing policies, pay attention to:
- Upper age limits
- Medical cover limits (especially if travelling to high-cost destinations like the USA)
- Cover for medical equipment
- Exclusions (like cruises, which may need separate insurance)
FAQs
Can I include travel companions?
Yes, some providers let you add carers or partners, though limits may apply.
Are medical belongings covered?
Often yes, but always confirm with your provider.
When should I buy over 70s travel insurance?
As soon as you book your trip, so cancellation cover is included right away.
Can I get travel insurance if I’m over 80?
Yes – but expect higher premiums and stricter requirements. Many tour operators won’t let you travel without it
✅ Final thought:
Over 70 travel insurance may cost more, but it gives you peace of mind knowing that medical emergencies, cancellations, and baggage issues won’t ruin your trip.
Plan early, declare your conditions honestly, and compare providers – that way, your only focus will be enjoying your travels.
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