Tommy Lloyd
Author: Tommy Lloyd, Managing Director

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.

Originally posted: 20th Oct 2022

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 there are a wide range of insurance providers who can cover people aged over 65. 

We believe getting older shouldn’t be a barrier to jet-setting across the globe. That’s why at Medical Travel Compared, we make the process of finding over 65 travel insurance 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.

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We only work with providers who specialise in covering pre-existing conditions.

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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 that can cover your condition while you’re abroad in case you need 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: 

Dr Sarah Jarvis, MBE

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, prior to you taking 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.

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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 insurance is probably the best option. 

However, annual multi-trip insurance can cover multiple trips over the course of 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 single trip or annual multi-trip cover before you compare quotes with us.

Spanish Coastal town

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 than the cheaper insurance deals - and you should always prioritise the level of cover over cost, just to make sure you’re fully protected. 

You can even add additional cover on to your single trip or annual multi-trip policy if you want to ensure your travel insurance covers a particular holiday type or circumstance. These extras include:

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What isn’t covered by over 65s travel insurance?

There are a few things that may not be covered by over 65s travel insurance. 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: 

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!

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Frequently Asked Questions

We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.

This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.

For more information, we recommend reading our full guide here.

If the FCDO are advising against all or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.

You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.

Over 65s 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 important part of planning a holiday - no matter how old you are. Therefore, it’s important to ensure you get it before you travel - including cover for pre-existing medical conditions.
Cost varies from provider to provider - but usually things like age, destination and duration of stay are the main factors that apply in terms of cost.

A pre-existing is 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'll need to know if they have ever been present, whilst for others if they occurred within a certain period.

* 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 2024. Prices may vary according to your individual requirements.

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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.

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