Compare over 65s travel insurance
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- Cover for pre-existing medical conditions
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Key things to know about travel insurance for over 65s
- Compare and Customise: Use comparison sites to find tailored policies, choosing between single-trip or annual multi-trip cover based on your travel frequency.
- Manage Costs: Reduce premiums by selecting specific geographic regions (e.g., "Worldwide excluding the USA") and removing unnecessary add-ons like winter sports cover.
- Declare Health Details: Disclose all pre-existing conditions and routine medications to ensure your policy remains valid and covers potential medical risks.
- Seek Specialised Protection: Prioritise comprehensive medical cover and consider specialised add-ons for cruises, winter sports or high-value electronics.
Travel insurance for over 65s
Your 60s can be the perfect opportunity to do some long-awaited international travelling. No matter where you plan to go, it’s important to take a tailored travel insurance policy with you. PayingTooMuch helps you to compare quotes from multiple trusted insurers in just a few clicks. So you’ll be able to find the right policy for your circumstances, for the right price.
Why does my age affect the price of travel insurance?
Insurance premiums are calculated based on risk, and age plays a big part in those calculations. This is mainly because insurers view older people (often anyone aged 65 or older) as higher risk because of the increased chance they will make a claim, mainly due to health reasons.
Destinations also make a difference to the price of a policy. Healthcare in places like the USA, and the Caribbean is exceptionally expensive, meaning the potential cost for an insurer is much higher.
However, this doesn't mean you can't get a great deal. By comparing quotes from trusted brands on our platform, you can cut through the guesswork and make the right decision for your circumstances.
How to choose the right travel insurance
It’s important that when you’re looking for good-value travel insurance, you focus more on what it offers you than the cost of it.
For example, if you’re planning to go on one trip this year, a single-trip policy might be more suited to you, as it’s only covering your specific trip. If you’d like to travel multiple times within a year, an annual multi-trip policy could be better suited to you; you would only have to spend time buying one policy for all your trips, and you may end up paying less per trip for your policy.
If you’re not planning on doing any high-risk activities, you can save money by not including them in your policy. For example, if you’re off to Switzerland but not planning to hit any slopes and are just doing a city break in Geneva, you probably won’t need any winter sports cover.
Another thing to remember when looking for value, specifically if you’re keen on buying an annual multi-trip policy, is making sure that your policy is in the right region. For example, if you’re travelling to Thailand, you’d need a policy that has ‘Worldwide’ cover. But to save money, you can get a policy that has ‘Worldwide excluding the USA and Canada', which will likely reduce the price as you’re avoiding the USA’s high medical costs.
If you have, or you’re looking at comparing, a single-trip policy, you would need to declare all the countries you’re planning to visit to make sure you’re covered for your entire trip. For example, if you want to visit Spain, Switzerland and Turkey, on the same getaway you’d have to declare all of these countries to make sure that you have the cover you need for your time in each of them.
Declaring pre-existing medical conditions
During the screening process, your insurer will usually ask some of the following questions to get a better picture of your medical history.
Routine Medications | Have you been prescribed any maintenance medication, such as statins for cholesterol or tablets for blood pressure, in the last 2 years? |
Recent Care | Have you visited a hospital or seen a specialist in the last 24 months? |
Diagnoses | Have you been treated for chronic conditions affecting the heart, lungs, or circulation in the last 5 years? |
Pending Treatments | Are you currently waiting for any surgery, tests, or follow-up results? |
Remember, even managed conditions like well-controlled hypertension or previous gallstone issues need to be mentioned. Declaring these ensures your policy remains valid, so you can focus on enjoying your trip rather than worrying about the "what ifs".
Specialist extras for over 65s holiday insurance
- Cruise cover – Compensation for cabin confinement if you are ill; it covers unused excursions and helps with the costs of reaching the next port if you miss a port departure.
- Prescription medication replacement – Many specialist policies for over 65s include cover to help replace essential prescription drugs if they are lost or stolen during your trip.
- Gadget add-ons – If you’re taking a high-value camera, tablet, or smartphone to document your journey, this extra provides higher individual item limits than a standard baggage claim usually allows.
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Travel insurance for over 65s in summary
It’s important to look for the following things when comparing travel insurance policies:
- Policies that have comprehensive medical cover
- Consider an annual multi-trip policy if you’re planning to travel multiple times in a year
- Policies that have comprehensive trip disruption cover. This can help you get reimbursed for non-refundable costs such as flights, hotels, and tours if you have to cancel your trip, cut it short, or miss a connection due to emergencies like illness or severe weather.
- Covers that can help you pay for the cost of lost, stolen, or damaged luggage, passports, and gadgets.
- Protects you from having to pay legal fees if you accidentally injure someone or damage private property while abroad.
It’s also important to always declare any pre-existing conditions to your insurer to help prevent a claim from being rejected and your policy voided.
Most importantly, consider what’s most important to you and compare all the options available. There is no ‘one-size-fits-all policy’.