Modified on 26th Nov 2019

Travel insurance over 65

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.

However, your travel premium increases when you hit 65 as older age makes you more prone to health issues. Though this may seem unfair, you still need travel insurance to ensure you’re covered should something happen on your holiday.

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 40 leading travel insurance providers to find a deal that works for you, so you can get back to planning your trip.

Why do over 65s need travel insurance?

Travelling past the age of 65 should be a delight, not a hassle. However, as we age, we become more prone to health issues which means making sure you’re fully covered before travelling abroad is a must.

Not only is medication or treatment abroad expensive without the correct cover, but you also won’t be covered in the event of cancelling or curtailing your trip for any reason.

Taking out a travel insurance policy for over 65s is the only way you can make sure you won’t be stung by hefty medical bills should something happen to you while abroad.

Types of travel insurance we offer

Whether you’re looking for single or multi-trip insurance, for an upcoming ski holiday or a Meditteranean cruise, Medical Travel Compared will help you find the best insurance at the most competitive price.

Finding the right travel insurance shouldn’t be a struggle. We understand you want to cover yourself fully but don’t want to spend hours trawling multiple websites looking for the best deals.

That’s why we do the hard work for you by searching over 40 reliable insurance providers to show you the best deals – all in one place.

Annual travel insurance for over 65s

If you travel more than a couple of times a year, an annual insurance policy is likely the most cost-effective option for you.

Use Medical Travel Compared today to find an annual policy that works for you and save yourself the time, effort and expense of taking out a new policy for each trip.

An annual plan will cover you for the full 12 months, but make sure you check the policy details before purchasing as some insurers may limit the number of days you can go away for on an individual trip. Don’t worry though, we’ll ask you for this information.

At the end of each year, it’s likely your insurance provider will suggest renewing your policy, however, it may be beneficial for you to come back to Medical Travel Compared so that we can compare cover for you across over 40 providers.

Single trip travel insurance for over 65s

Alternatively, if you’re only planning one trip over the next year, a single trip policy for over 65s makes more sense.

This policy will cover you for the exact dates you’re away. However, be mindful of any limitations to your policy as many insurance providers will only cover trips of up to 60 days in length. If you need more, you’ll need long stay travel insurance instead!

Medical Travel Compared is here to help you compare single trip policies. With our easy-to-use comparison tool, you can be confident you’re getting insured at a competitive price.

Long stay travel insurance for over 65s

If you’re planning a trip longer than 60 days, you’ll need to purchase long stay travel insurance for over 65s.

The definition of a ‘long trip’ will differ from provider to provider, but Medical Travel Compared makes it easy to compare prices and the policies available – all in one place. We’ll make finding travel insurance for an extended trip as simple and hassle-free as possible.

The policy you need will vary depending on the length of your stay, your age and the destination. Make sure you provide accurate information when applying for a quote so we can tailor options to your specific needs, otherwise you may find you’re not fully covered.

It’s likely you’ll be offered a longer period of cover for EU travel, but less if travelling worldwide, so make sure your policy fits with your holiday plans.

Ski insurance for over 65s

Looking to pull on your salopettes and hit the slopes? Medical Travel Compared can compare winter sports travel insurance policies for you.

Though options are more limited – after all, skiing has more risks than a normal trip – we’re here to help you find appropriate cover for your winter sports trip.

Due to the additional risk of injury and enhanced cover for any of the necessary sports equipment required, ski insurance for over 65s will cost you more than regular travel insurance. But Medical Travel Compared will help you find affordable cover in no time, so you can get back to daydreaming about the crisp white snow that awaits!

Cruise travel insurance for over 65s

Perhaps a relaxing cruise is more your thing? In which case, you’ll need specialist cruise travel insurance.

Cruises are typically longer than normal holidays and visit a variety of different countries. They may include excursions and activities such as scuba-diving or kayaking, too. This means your policy needs to cover the duration, geographical range and activities on your trip, making it more expensive than standard travel insurance.

Travel agents and cruise ships will usually require you to have adequate cover before boarding. This offers you protection if you miss your departure or need medical attention while on the cruise – for example, if you fall ill and need to be airlifted to a mainland hospital.

Find the right policy for you within minutes by using Medical Travel Compared’s free comparison tool. We’ll search over 40 specialist insurance providers, saving you the hassle of searching for quotes.

We make it easy for you to find a great deal, leaving you free to get excited about your upcoming cruise.

Why choose Medical Travel Compared?

Finding a suitable travel insurance policy shouldn’t be a hassle – even if you’re over 65. 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 40 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!

Travel insurance for over 65s with a medical condition

While the price is an important factor when choosing an insurance provider, you need to make sure the option you decide upon provides full coverage for your holiday.

Medical Travel Compared makes it easy for you to compare multiple travel insurance options to find one that works for you at the most competitive price.

To keep the cost of your policy down, there are a few other things you can do. For example, you can opt for an individual policy rather than a group policy – which bases the price on the eldest member of the group.

Another tip is to buy your insurance as soon as you've booked your holiday. If you’re buying annual travel insurance cover, consider starting it straight away, that way you'll be able to benefit from any cancellation cover that's on your policy.

You may need to declare all pre-existing medical conditions. If you don’t, the policy you buy may not provide full coverage for you, so make sure you clearly list these on your application form.

The base rate for a standard travel insurance policy is usually calculated based on the following:

  • Age
  • Destination
  • Duration of stay

All of the above can affect the base price of your policy and if you’re aged over 65, prices are likely to be higher as you’re more prone to health issues. The cost will vary from provider to provider but you can compare all of your options quickly and easily with Medical Travel Compared.

A few tips when buying travel insurance over 65

Tip 1: Don’t forget to add your travelling companions

You’ll usually find that individual policies are cheaper than group policies. However, if you do choose to insure yourself as a group, you could find that you’re not fully covered in the event of cancellation of curtailment due to a pre-existing medical condition of someone else in travelling in your party. It’s something to bear in mind before you add multiple people to your policy.

Tip 2: Check the length of trip duration on annuals

Make sure you check the maximum number of days allowed per trip in your annual policy. If you’re looking to travel for more than 31 days, you might need a single trip policy for over 65s instead to cover a longer duration – typically up to 60 days. Some policies may be able to cover you for longer.

For more information and tips for hassle-free accessible holidays, visit Age UK.

Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the travellers conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditons you need to declare, we have online support available to help you 24/7!

It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-exisiting conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Once you've declared all of your relevant pre-exisiting medical conditions we'll only show you quotes basend on the condiitons you have told us about.

No, we are unable to provide cover with any of your pre-exisiting medical conditions excluded.

No. We can search for travel insurance quotes for all ages. However, the number of annual multi-trip quotes for older travellers may be limited due to age restrictions imposed by the providers that we search. If you are unable to get an annual trip quote, try a single trip quote instead.


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