What is travel insurance for over 75?
Travel insurance for over 75s helps protect you against unexpected costs when travelling, including emergency medical treatment, holiday cancellations and lost belongings. While some insurers have upper age limits, specialist providers may still offer cover for travellers aged 75 and over, including those with pre-existing medical conditions, depending on their individual circumstances.
When comparing travel insurance in your mid-70s and beyond, it's important to check each policy's age limits, medical cover and any restrictions that could affect your trip. Whether you're planning a short holiday or travelling more frequently, comparing single-trip and annual multi-trip policies can help you find cover that suits your needs.
According to TravelHealthPro, careful preparation before travelling can help reduce the risk of complications from existing medical conditions and other travel-related health problems. The guidance also highlights the importance of comprehensive travel insurance for older travellers. If you have a pre-existing medical condition, making sure it's accurately declared and appropriately covered is an important part of preparing for your trip.
At Medical Travel Compared, we specialise in helping people find travel insurance for pre-existing medical conditions. With just one medical screening, you can compare quotes from over 30 specialist travel insurance providers, helping you explore policies that suit your health, age and travel plans.
Compare travel insurance for over 75s today and find cover that meets your needs.
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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.
You can find travel insurance for over 75s with medical conditions, including but not limited to:
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 over-50s travel insurance, over-60s travel insurance, over-65s travel insurance, over-70s travel insurance, over-80s travel insurance and over-90s travel insurance to help.
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 5 years. 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 October 2026. Prices may vary according to your individual requirements.
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If we're unable to help you find travel insurance for a pre-existing medical condition, you may be able to find additional support through the MoneyHelper Travel Insurance Directory.