Over 65s Travel Insurance Guide
When you retire, it’s the perfect time to travel and visit all those places you’ve dreamt about.
However, once you hit the age of 65, travel insurance premiums increase, with some insurers’ even withdrawing cover.
This can seem unfair, but the last thing you will want to do is travel without protection in case things go wrong.
So what do you do?
Well, there’s certainly no need to let it become a barrier to you jetting off and enjoying a holiday, it’s simply a matter of finding an insurer that’s sympathetic to your needs and will welcome your custom regardless of age, and that’s where we can help!
Our comparison facility is designed to take away the frustration of finding over 65s single trip and annual travel insurance by searching a panel of insurers that specialise in older travellers to find you over 65s cover at a reasonable price.
Travel Insurance Over 65 with Pre Existing Medical Conditions
As we get older, we’re more prone to health issues and whether minor or serious, in order to be provided with the right level of cover, it’s essential to notify your travel insurer of pre-existing conditions prior to purchasing a policy.
It’s common for over 65 year olds to be prescribed precautionary medication to keep conditions such as Hypertension, High Cholesterol and Osteoarthritis at bay.
Although such conditions (if controlled and managed well) are unlikely to affect the premium, it’s just as important to declare them as well as other past and current medical conditions when applying for travel insurance over 65.
Medical Travel Compared makes it easy to declare your medical conditions here online.
In fact, you only have to complete the medical screening once in order to compare prices and cover of several over 65s travel insurance policies that will meet your requirements – this is a great way to save time and even money!
For further information about applying for travel insurance with medical conditions, please read our helpful ‘Online Medical Screening Guide’.
A Few Tips When Buying Travel Insurance Over 65
Here's a few things you might also want to take into consideration when buying travel insurance over 65 years of age.
Tip 1: Don’t Forget to Add Your Travelling Companions
When insured separately, you and your companions could find that you’re not fully covered in the event of cancellation or curtailment if it’s in anyway related to pre-existing medical conditions. Don’t worry, if your companions have no medical conditions their premium will not be loaded to be included on your over 65 travel insurance policy – but they will have added security!
Tip 2: Check the Length of Trip Duration on Annuals
Annual policies specify a maximum of days you can be away for per trip. If you’re planning a long stay holiday of more than 31 days, do check the policy terms to make sure it will fully cover you for the whole time you’re away. If not, applying for Over 65 single trip cover could be the best solution.
Tip 3: Cruise Cover for Over 65 Holiday Insurance
If you’re going on a cruise, travel agents and cruise ships often require you to have adequate cover in place before boarding. Adding cruise cover will provide protection against things like missed port departure and cabin confinement. If you fall ill on a cruise, you may need to be airlifted to a mainland hospital, making cruise cover essential! Read our guide on Cruise Travel Insurance to find out more.
For further tips, please take a look at our Guide to 'Buying Travel Insurance Online'.
Compare Cheap Travel Insurance for over 65s
Holiday insurance for over 65s is typically more expensive than it is for people in the 18-64 age bracket, so it’s important to compare travel insurance options if you are over 65 to get the best price possible for the level of cover you need.
There are specialist providers who cater to people over 65, and with Medical Travel Compared you can compare the cost of their policies side-by-side to see which is offering the best policy for the cheapest price.
Our user-friendly comparison tool allows you to quickly and easily compare your quotes.
Once you’ve filled out our questionnaire, we’ll show you what a range of different providers are currently offering.
After that, it’s up to you to choose the policy that most meets your needs.
Cheap Travel Insurance for over 65s
Whether you’re purchasing European or worldwide holiday insurance, you’re obviously looking for the cheapest deal. Generally speaking, the older you are the more expensive your policy will be. If you are aged between 65 and 80, your medical travel insurance will most likely be cheaper than if you are aged over 80. Comparing quotes offered by lots of different providers is the best way to find the cheapest deals available. But there are other things you can do to save money.
For example, you can buy cheap travel insurance for over 65s when you opt for an individual policy, rather than a group policy. This is because a group policy’s cost will be based on the status of the oldest person in the group.
Another tip is to buy your travel insurance as soon as you’ve booked your holiday – so that it covers anything that might happen between then and the start of the trip (such as unexpected cancellation).
If you have pre-existing medical conditions and you are over 65, it’s important that you declare these medical conditions before purchasing your policy. If you don’t, you could void the policy you buy, but more importantly it’s vital that you make sure your pre-existing condition is covered by your policy – both for your well-being and your peace of mind.
Annual Travel Insurance for over 65s
You can compare quotes for annual holiday insurance for over 65s at Medical Travel Compared.
Annual over 65s travel insurance is a popular option for people who typically travel multiple times per year. You’ll have to renew your insurance yearly, which you should use as an opportunity to review and check the price of your policy against what else is out there.
An annual policy is naturally more expensive than a single-trip plan, but they allow you the flexibility to travel as and when you please with the knowledge that you are covered no matter when in the year you travel.
An annual plan covers a 12-month period, but some insurers may have limits as to how many days in total you plan to spend on holiday.
Multi-trip travel insurance for over 65s, as the name suggests, allows for multiple trips. But not unlimited trips.
Check the details of the policies being offered to you by insurance providers – before making a decision.
Single Trip Travel Insurance for over 65s
On the other hand, if you’re only planning the one holiday over the next 12 months, then single trip holiday insurance for over 65s makes more sense.
You will be insured for one trip away from the UK, which ends upon your return.
There is a limited amount of time you can be away for, but it is generally quite accommodating. Many insurers will offer insurance for around 30-60 days.
For both annual and single trip travel insurance for over 65s, Medical Travel Compared can help you find the right deal.
Long Stay Travel Insurance for over 65s
If you’re planning a long holiday which you’re expecting to last an extended period of time, then you might need to purchase specialist long trip travel insurance for over 65s.
Each insurer will have a different idea about what is considered to be a “long stay” trip. The level and the length of your long stay cover offered is generally based on your age and travel destination.
For some it might be 100 days. Other long stay policies might cover your extended trip for over a year. It’s typical of a long stay policy that you’ll be offered a longer period of cover for EU travel and a reduced length of cover for worldwide travel, so bear this in mind when selecting your policy.
Either way – make sure you inform your insurers how long you intend to be away for and where you’ll be going, so they can get you an accurate quote and tailor your policy accordingly.
Ski Insurance for over 65s
Winter sports/ski insurance for over 65s is available – although your options may be a little more limited as winter sports holidays are considered to be more dangerous than a normal trip.
Depending on your age, certain insurers might not offer this type of policy.
But there are still a number that do. So don’t worry about not being able to find appropriate cover.
Due to the additional level of injury cover and sports equipment cover required, ski insurance for over 65s is going to be more expensive than regular travel insurance (and ski insurance for younger individuals).
But through our user-friendly comparison tool, we’re confident you can find an affordable policy you’re happy with.
Cruise Travel Insurance for over 65s
If you’re lucky enough to be going on a cruise, then specialist cruise travel insurance for over 65s is sometimes required.
This is because cruises can be longer than normal holidays (as long as a year in some cases) and take you to a variety of different countries. On top of this, cruise holidays often include excursions and activities such as scuba diving or kayaking. Your cruise travel insurance policy therefore needs to cover the extended duration, the geographical range and the activity elements of your trip, which all combine to make cruise travel insurance for people over the age of 65 more expensive than standard travel insurance.
But with Medical Travel Compared – you can find the best travel insurance deals available today.