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 travel insurance for those over 75?
Medical Travel Compared can help you find the best travel insurance policy for you, no matter what your age.
We work with a number of specialist providers who can cover people aged 75 and over, including those with pre-existing medical conditions.
It's easy to compare the best travel insurance for over 75s with us, and you can compare travel insurance for the UK’s top 30 providers in 3 easy steps.
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We only work with providers who specialise in covering pre-existing conditions.
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Over 75 travel insurance with medical conditions
Over 75s are at higher risk as they are more likely to have a pre-existing medical condition and are more likely to fall ill abroad. Therefore, it’s especially important to declare your pre-existing conditions and ensure you have the right level of cover for your trip.
Once you do this, you’ll be asked a few questions in relation to the nature of your condition. This enables us to gauge your medical history and provide you with the most relevant quotes.
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 with or treated for prior to 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
Do you need annual multi-trip or single-trip travel insurance?
Before getting started, you’ll need to know which type of policy to purchase, choosing between single-trip and annual multi-trip insurance.
Single-trip policies cover you for one trip only, but annual multi-trip travel insurance policies can cover multiple trips across the course of a year.
It’s also worth bearing in mind that different providers will generally have their own limits on how long you can be covered per trip.
Are there different levels of holiday insurance for over 75s?
Again, different providers will have different ways in which they base the varying levels of cover they offer.
During comparison, you’ll notice that some providers will offer more cover than others, which will usually be reflected in the price. We always recommend you consider the level of cover you’ll get first and foremost, and the price second, offering you peace of mind.
You can even upgrade your cover with our optional extras, including gadget cover and cruise cover. We can find policies that allow you to add features like:
Travel advice for the over 75s
As you get older, planning becomes more important in terms of ensuring you have a comfortable and enjoyable trip.
There are several things that you might want to start thinking about:
- Visiting your GP - give them a heads up about where you plan to travel, and what activities you’ll be doing, and discuss vaccinations if necessary.
- Declaring your pre-existing medical conditions ensures you’re fully covered.
- Fully understand everything you need to know about taking medication on holiday.
- Adding optional extras if required (for example, cruise travel insurance is mandatory on some holidays).
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Compare deals to get the best over-75s cover
We make it easy for people aged 75 and over to compare cover.
Once you’ve listed your personal details, including age, destination(s), duration of stay (per trip) and declared your pre-existing medical conditions, we’ll help you find the right cover in no time.
We also offer a range of travel insurance policies for other age ranges, including travel insurance for over-60s, travel insurance for over-65s, travel insurance for over-70s and travel insurance for over-80s.
Our straightforward online quote comparison tool is easy to use, enabling you to compare quotes all in one place.
We work with over 30 specialist travel insurance providers - so why not get started today?
Get a quoteFrequently Asked Questions
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.
We’ll search across a range of providers to find you cover for any worldwide destinations you tell us about.
In most cases, you will need to get additional cover for these activities. You can select these from our optional extras menu before listing your personal details.
* Price is based on 1 traveller aged 78, who has no medical conditions and is travelling to France for 7 nights. The price is correct as of July 2025. 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.