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 travel insurance over 75s?

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 over 75 travel insurance with us and you can compare travel insurance for the UK’s top 30 providers in 3 easy steps.

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Travel insurance for over 75s with a medical condition

Over 75s are higher risk as they are more likely to have a pre-existing medical condition and 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.

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.

Explore travel insurance for those with pre-existing medical conditions

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. 

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.

Colourful street

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 price second.

You can even upgrade your cover with our optional extras. 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 a number of things that you might want to start thinking about: 

  • Visiting your GP - give them the heads up about where you plan to travel, what activities you’ll be doing, and discuss vaccinations if necessary.
  • Declaring your pre-existing medical conditions - to ensure 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). 

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. 

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?

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Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed before 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 traveller's conditions. This could be a condition that a traveller has now or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

It is 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-existing 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.

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.
Most policies will include medical cover - just ensure there is enough to keep you protected in case you end up making a claim.

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

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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.