Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.
What is over 65s travel insurance?
Hitting the age of 65 doesn’t mean slowing down. In fact, for many, it opens up a wealth of new opportunities, such as an excuse to travel the world and tick off those locations on the bucket list they’ve always dreamt of.
Travel insurance enables people aged 65+ to continue travelling with peace of mind, and a wide range of brokers can offer tailored travel insurance for those over 65 with medical conditions covered.
We believe getting older shouldn’t be a barrier to jet-setting across the globe – there is no upper age limit on adventures. That’s why at Medical Travel Compared, we make the process of finding over 65 travel insurance policies as quick, simple and hassle-free as possible.
We’ll compare quotes from over 30 leading travel insurance providers to find a deal that works for you so you can get back to planning your trip.
Get a quoteSpecialist Medical Cover
We only work with providers who specialise in covering pre-existing conditions.
Save Money
No discounts. No pressure. We’ll always show you the best prices from providers.
Get over 65 travel insurance with pre-existing medical conditions
The beauty of our straightforward online comparison tool is that it enables us to find quotes from a variety of specialist medical travel insurance providers in seconds.
We work with a range of providers who specialise in covering pre-existing conditions, so you can be sure to find a provider who can cover your condition while you’re abroad if you need emergency medical treatment.
With us, you can declare many different pre-existing conditions you’ve been diagnosed with. Based on this information, we can provide you with the most relevant quotes.
You can find travel insurance for over 65s with medical conditions, including but not limited to:
If you are looking for more specific advice on your age, we have pages dedicated to over-50s travel insurance, over-60s travel insurance, over-70s travel insurance, over-80s travel insurance and over-90s travel insurance to help.
What is a pre-existing medical condition?
Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.
A pre-existing medical condition means a condition that you have been diagnosed or treated for before you take out your travel insurance policy. This may be a health condition you have now or one that you no longer suffer from but have had in the past. Whilst you’ll need to tell us about most pre-existing health conditions if you have been diagnosed or treated for them (including repeat prescriptions) within the last 2 years, some conditions, such as heart or respiratory-related conditions, we’ll need to know if you’ve ever had them.
Over 65s annual multi-trip or single-trip cover
One of the most important things you should consider before getting covered is the type of policy you need.
If you want to cover just one trip abroad, single-trip travel insurance is probably the best option.
However, annual multi-trip insurance can cover multiple trips over the year, so, depending on your travel plans, you may decide that this is, in fact, a more sensible and cost-effective type of policy for your needs.
You can select either a single trip or annual travel insurance cover before you compare quotes with us to ensure you buy travel insurance that works for you.
Are there different levels of over 65s insurance cover?
In general, once you’ve listed your personal details (including age), information about your trip, and declared any medical conditions, you’re likely to find that cover usually varies from provider to provider.
You’ll see that the more expensive policies generally offer more coverage, including cancellation cover, than the cheaper insurance deals, and you should always prioritise the level of protection over cost, just to make sure you’re fully protected.
You can even add an additional level of cover onto your single trip or annual multi-trip policy if you want to ensure your travel insurance covers a particular holiday type or circumstance. These optional extras include:
Get a quoteWhat isn’t covered by over 65 holiday travel insurance?
There are a few things that may not be covered by holiday insurance for over 65. This varies from provider to provider, but the main thing to consider is that there may be a limited amount of time you can travel for on one policy.
Other notable things include:
- Undeclared medical conditions (before purchasing, ask yourself - which medical conditions do I need to declare?)
- Undeclared activities (for example, are you likely to need winter sports cover?)
- Substance abuse
Rated Excellent
Trusted by thousands of people like you who've reviewed us on Trustpilot.
Save Time
No phone calls or paperwork. Join millions who've sorted cover online in minutes.
Get cheap travel insurance for over 65s
Finding a suitable travel insurance policy shouldn’t be a hassle, regardless of your age. That’s why Medical Travel Compared makes the process as quick and easy as possible for you, so you can get back to preparing for your holiday.
Using our simple comparison tool, we’ll compare quotes from over 30 leading medical travel insurance providers to help you find a policy that works for you in no time at all.
We’re the trusted comparison site for hundreds of people looking for travel insurance for over 65s with a medical condition – and we’d love to extend our services to help you too. We’re proud to receive glowing reviews from our happy customers, which do the talking for us!
Get a quoteFrequently Asked Questions
Older travellers can compare different types of cover thanks to the sheer number of providers we work with. We can also find you cover for your pre-existing medical conditions.
Travel insurance is an essential part of planning a holiday, no matter how old you are. Therefore, it’s crucial to obtain it before you travel, including coverage for pre-existing medical conditions and a policy that includes medical costs or medical expenses should they arise.
Exclusions will vary from provider to provider. Some may have specific exclusions, such as a cap on the duration of coverage they offer. We’ll only ever show you quotes that are relevant to the information you’ve given us, and you should always check the provider's complete list of exclusions before purchasing.
We’ll ask you for details of your trip and information about what coverage you need. You’ll also be able to tell us about any medical conditions using our simple online screening tool – no need to call a provider or write to us. The cost of your travel insurance will then be calculated. It’s that easy!
Costs differ from one provider to another, but factors such as age, destination, and duration of stay are typically the primary considerations for pricing. This is why comparing travel insurance quotes is essential so that you know you’re getting a fair price for the cover you need.
“Pre-existing” refers to any medical condition for which medical advice, diagnosis, care, or treatment was recommended or received before applying for a travel insurance policy. For some conditions, we need to know if they have ever been present; for others, we need to know if they occurred within a certain period.
We'll ask you a series of questions about your medical history and any travellers on your quote. If you answer yes to any of these, you'll need to provide more information about that condition. This could be a condition that a traveller has now or has had in the past. This helps us determine what you need to disclose.
It’s easy to tell us about your medical conditions! After you've provided your trip details and answered some medical history questions, you can add your pre-existing conditions, one by one, for each traveller on your policy. You'll only need to enter your details once; everything is online, and there's no need to call or provide written details of your conditions.
* Price is based on 1 traveller aged 68, who has no medical conditions and is travelling to France for 7 nights. The price is correct as of April 2025. Prices may vary according to your individual requirements.
Trusted by people
just like you
Don't just take our word for it...
If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.
Related Products
Pre-existing Conditions
Save time and money with cheap medical travel insurance comparison. Use our easy tool to find the best travel medical insurance policy for you at the best price.
Coronavirus Travel Insurance
Find out what cover is available to protect you and your holiday by getting insurance that covers cancellations and complications linked to COVID-19 through Medical Travel Compared.
Single Trip Travel Insurance
Compare travel insurance for a specific trip, covering medical conditions and expenses. We'll search our specialist panel and show you prices from over 30 of the UK’s best travel insurance providers.