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Embrace the freedom of your golden years with travel insurance for over 60s. Whether you're meandering through the Mediterranean or embarking on a cruise around the world, we've got you covered.
When it comes to travel insurance for those over 60, the policy you choose will usually include:
But you can also add extras to your policy to suit your holiday plans, such as:
So you can travel with peace of mind when you're heading on new adventures.
Most travel insurance policies won’t cover you for things such as:
If you're planning just one holiday a year, a single trip travel policy will probably be more cost-effective. It covers just the days you're away and any cancellations before you leave.
For those heading off on more than one holiday in a year, an annual travel policy could be a better option. It saves you money and the hassle of buying a new policy each time you travel.
Check out our guide on what to look for when buying travel insurance where you'll find a detailed comparison of single trip and annual policies.
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
Why do I need over 60s travel insurance?add remove
As we get older, we become more likely to need medical treatment on holiday. This is why it’s important for over 60s to take out their travel insurance policy before they jet off. You’ll be covered for medical costs, but also if you need to cancel your holiday or cut your trip short.
Other things that you can get cover for include:
- Getting you home in an emergency
- Lost baggage
- Lost passport or money
- Travel delays or disruption
And much more.
Is over 60s travel insurance more expensive than other policies?add remove
You might find that your travel policy gets more expensive each year. Age is one of the things that insurers will look at when working out the cost of your insurance.
But there are a few other areas that can affect the cost of your policy, so it’s worth thinking about these before taking out your travel insurance.
Will I get cover for pre-existing conditions with over 60s travel insurance?add remove
If you’ve had a medical condition in the last two years, then tell us about this when you’re getting a travel insurance quote. This way, we’ll only show you quotes that will include cover for any conditions you have. This includes if you’ve had:
- Symptoms
- Treatment
- Investigations, consultations or appointments
There are a few conditions you’ll need to tell us about if you’ve ever been treated for them, even if it was a long time ago:
- High blood pressure, raised cholesterol, blood clots, aneurysm or any circulatory disease
- Heart attack, angina, chest pain(s) or any other heart condition
- Any form of stroke, transient ischemic attack (mini-stroke) or brain haemorrhage
So you’ll only be shown travel insurance quotes for your medical conditions that will suit your needs. This means you can have peace of mind when you’re jetting off on your next adventure.
Can I get cruise cover for over 60s travel insurance?add remove
You can add cruise cover to your travel insurance policy when you take out your quote. So you’ll be able to compare cruise-specific cover options for things like cabin confinement, unused excursions and medical treatment onboard.
If you’re comparing single trip policies, then you’ll need to tell us every country that you’re stopping at, even if you don’t plan on getting off the ship. For annual multi-trip policies, you don’t need to tell us where you’re going. But you’ll need to make sure that you choose the region that includes all countries you’re planning to stop at, so you get the right level of cover.