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Over 70’s Travel Insurance

Compare over 70s travel insurance

No upper age limit
Up to unlimited medical cover
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Cover for pre-existing medical conditions

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Travel insurance for over 70s

Age shouldn’t stop you from travelling, which is why most policies bought through PayingTooMuch have no upper age limit.
Getting the right cover can be a lifesaver when you're on holiday. It doesn't just keep you financially protected but also offers peace of mind.
Use our straightforward price comparison and choose the best cover for you. At a price that makes sense.

Is travel insurance more expensive for over 70s?

The cost of travel insurance changes from person to person. Factors such as underlying medical conditions can drive up the cost. This is because there is a higher chance you’ll need to make a claim. Others reasons that might impact the cost include:

Destination - Some countries, such as the USA, have more expensive healthcare. This might increase the price of your insurance policy. In countries where there’s a higher risk of natural disasters, this might also impact the price.
Activities - Certain activities, such as winter sports, are classed as high risk. You will need extra cover if you plan on enjoying them.
Trip length - The longer the trip, the more cover you’ll need.
Level of cover - If you need a higher level of medical cover, it will cost more.
Age - The older you are, the more expensive your travel insurance will be. This is because there’s a higher risk of illness and injury both before, and during your trip. Explore specialist cover for holiday goers over the age of 50 and 60 and find the right policy for your needs.

What should your over 70s travel insurance cover?

At PayingTooMuch, you can compare holiday insurance to suit your needs. Most policies come with standard cover, including protection against cancellations, medical emergencies, lost baggage and much more. But you can add or remove certain add-ons, to suit your trip type and needs. This might include:

What type of travel insurance do I need?

Whether you’re jetting off for a weekend away or have several trips booked, you could find the best policy for you through PayingTooMuch. All our policies offer cover for cancellations, medical emergencies, lost baggage and much more. You can also choose add-ons such as Cruise or Winter Sports Cover.

Single Trip

Single Trip Travel Insurance could offer the best value for money if you’re only planning one holiday.

Annual Multi-Trip

If you’re planning on more than one trip, an over 70s annual multi-trip policy could save you time and money.

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Will my travel insurance cover me for COVID-19?

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.

What are the key benefits of travel insurance?

Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.

Cancellation cover

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.

Medical Emergency Cover

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.

MoneyHelper

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.

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Frequently asked questions

Do I need over 70s travel insurance if I have a GHIC/EHIC card?

GHIC/EHIC cards aren’t a replacement for travel insurance. They don’t offer cover for emergencies such as lost baggage, cancellations or theft.

If you have a GHIC/EHIC card, you should still carry it when you go abroad. In EU countries, you should get state provided healthcare at a reduced cost, or for free.

Travel insurance can cover medical expenses, but also things like cancellations, travel delays and lost baggage. It’s added peace of mind when you’re travelling.

When should I start my policy?

Single trip insurance can be bought as soon as you book your trip, so you’re protected for unforeseen cancellations. You’ll be covered from that point until the end of your trip.

Annual policies start on your chosen date. If this happens to be the first day of a trip, you won’t be covered for any cancellations before then.

Are there upper age limits on travel insurance?

Some policies have an upper age limit, but most don’t. If you enter the correct details during the screening process, we will only show policies that suit your needs.

Can I make changes to my travel insurance after I've bought it?

Yes, you can change your trip dates, destination and tell us more about any medical conditions.

You can do this by contacting us before you travel.

It’s very important to keep your insurer updated with any changes. This will help make sure you have the right level of cover for your trip.

Can over 70s get travel insurance with pre-existing conditions?

Most insurers will cover over 70s for medical conditions, so make sure you tell us about any conditions you have when you take out your policy. You might find this increases the price of your policy, but it’s important to be honest about your health, so you get the right level of cover to suit you.

If you don’t tell us about your medical conditions, your policy could be invalid should you need to make a claim.

You can get cover for over 1,300 pre-existing medical conditions at a fair price with us. Learn more about travel insurance for pre-existing medical conditions.

We work with well known insurers

Travel Insurance Medical

PayingTooMuch is a price comparison site using trusted providers to compare quality travel insurance at an affordable price. They specialise in cover for pre-existing medical conditions, as well as families and older age groups. PayingTooMuch is a trading name of TICORP Limited. PayingTooMuch travel insurance is arranged by TICORP Limited which is registered in Gibraltar. Company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is authorised and regulated by the Gibraltar Financial Services Commission and trades in the UK on a freedom of services basis. Financial Conduct Authority FRN 663617. PayingTooMuch is administered by Eclipse Financial Management Limited which is registered in England and Wales number 07412856. Registered office: Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Eclipse Financial Management Limited provide financial services and is authorised and regulated by the Financial Conduct Authority, reference 535496.