At InsureandGo, we want to make it easy for as many people as possible to travel worry-free. That’s why our travel insurance for over 70s has got you covered. It’s one less thing to think about when planning your next holiday!
What is over 70s travel insurance and how does it work?
Travel insurance for over 70s is a type of travel insurance policy that covers the specific needs of older travellers, including any pre-existing health conditions. We believe that your age shouldn’t stop you from having the type of holiday you want, which is why we cover more than 1300 pre-existing conditions.
It’s important to have the right type of travel insurance before you set off. If you’re travelling without insurance, you may be stung with a nasty bill as a result of any holiday mishaps. For example:
- The NHS estimates a third of all people over 65 will have at least one fall a year.
- The World Health Organisation estimates that falls are a contributing factor for 50% of all hospital visits for people aged over 65.
- In the US, the it can cost as much as $10k a night to stay in hospital.
- If you fall on holiday, it’s important to make sure that your hospital visit is covered by your insurance.
Planning a cruise? Then all you need to do is add our cruise travel insurance to your policy. Just like our standard over 70s travel insurance, we can consider any pre-existing medical conditions on our cruise travel insurance, which also has no upper age limit.
- Cover for cancellation of your trip.
- Over 100 sports and activities covered (see your policy wording for a full list of activities).
- Emergency dental treatment.
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
What does InsureandGo’s over 70s travel insurance cover?
What’s Covered
All our over 70s travel insurance policies include:
- Cover for cancellation of your trip.
- Over 100 sports and activities covered (see your policy wording for a full list of activities).
- Emergency dental treatment.
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
Find out about our optional add-ons for activities like extreme sports, hiking, cruises and golf.
We will consider all pre-existing medical conditions, find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.
What’s Not Covered
While each policy and provider will have different things it can and cannot cover, there are some general things no travel insurance will cover. For example:
Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.
All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.
Age restrictions
We think yearly holiday insurance should be available to as many people as possible, that’s why our annual multi-trip policies have no upper age limit.
Trip length
Our annual multi-trip travel insurance covers you for gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies. If you want to be abroad longer than this, you’ll need our long-stay travel insurance.
Valuables
The amount of valuables cover available depends on the policy you choose. Our Budget level multi-trip travel insurance covers valuables up to £100, Silver policies cover £200, Gold £400, and a Black annual policy will insure £600 of your valuables.
If you’ll be taking away something a bit more expensive you can add our valuables extension, giving you £2,000 of cover for your sports equipment, camera, laptop and much more. Check the policy wording for full details of what’s covered with this add-on, and note that there’s a limit of £1,000 per individual item.
The best travel insurance for over 70s
Our travel insurance policies have no upper age limit, so there’s no reason not to do what you love abroad. We can provide additional cover for a range of activities:
- Love cruising? We’ve got you covered with our cruise insurance.
- Taking multiple trips this year? It might work out better to get annual travel insurance if you’re heading abroad multiple times.
- Touring a few countries? Depending on your destinations, you might need worldwide travel insurance or travel insurance for Europe.
- Heading off to engage in a hobby? We’ve got travel insurance specifically for golf holidays or hiking trips, or you could even get travel insurance for extreme sports.
Travel insurance for over 70s with pre-existing medical conditions
With our over-70s travel insurance, you’ll be covered for your trip, even if you have a pre-existing health condition.
You’ll just need to declare your pre-existing conditions when you set up your policy, which means we’ll need to ask you some questions to see if any additional premium is required.
Examples of medical conditions we can cover include:
- Heart-related conditions
- High blood pressure
- High cholesterol
- Diabetes
- Asthma
- Disabilities
- Epilepsy or Stroke
- Cancer
To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents.
Which destinations are covered by our over 70s travel insurance?
We offer over 70s travel insurance policies based on the following destination groupings:
- The UK.
- Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
- Worldwide (except the USA, Canada, Mexico and the Caribbean).
- Worldwide.
*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.
If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.
If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us.
How much does over 70s Travel Insurance cost?
There is no standard cost for over 70s travel insurance. Our travel insurance policies have no upper age limit, and we’ll consider most pre-existing medical conditions too.
The exact cost of your travel insurance for over 70s will vary, depending on the length of the trip you’re taking, where you’re going, whether or not you have any pre-existing medical conditions, any activities you’ll be doing, and any additional extras you might need.
When purchasing travel insurance, be sure to check the policy wording. You’ll need to make sure it covers everything you need to – including any medical expenses or activity cover you might need. Each policy is different, so be sure you check yours.
How to book our travel insurance for over 70s
We know your holiday planning to-do list can be a long one, so we make getting over 70s insurance as simple as possible:
1 . Let us know about your trip
We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2 . Get your quote
Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.
“There may be a few extra challenges when going on holiday later in life, but your travel insurance policy shouldn’t be one. Our travel insurance has no upper age limit, so Just pick the type of policy that suits your travel plans, whether that’s a single or annual trip, cruising, golfing, or even extreme sports.“
Letitia Smith MSc, Travel Insurance Expert
Frequently asked questions
What is the maximum age you can insure up to?
InsureandGo offers travel insurance with no upper age limit. Our policies always include cover for over 100 sports and activities, no matter what your age.
Will my policy be more expensive if I’m over 70?
Unfortunately, the costs of travel insurance rise because of the increased risk of claims when older people travel. This is because providers consider you more at risk of needing medical treatment while you’re away. This is normal with all travel insurance policies so you may pay slightly more.
Does my over 70s travel insurance change depending on where I’m going?
Yes, but this isn’t because you’re over 70. Typically, policy prices change depending on where you’re going because different countries have different costs for medical treatment. For example, high medical expenses in the US means that travel insurance for the USA is more expensive than travel insurance to go to Spain.
How long can I travel for if I’m over 70?
As long as anyone else! There’s no reason your age should hold you back. Our annual multi trip policies do have trip limits, but these don’t depend on your age. With single-trip travel insurance, you can be abroad for 365 days if you choose to!
Our annual multi-trip travel insurance allows you to travel as often as you like but with a duration limit on each individual trip. Budget policies would cover you for 31 days at a time, Silver or Gold for 45 days, and Black policies can cover unlimited trips of up to 55 days.
Do I need a GHIC card as well as travel insurance?
As a British citizen, it is recommended to carry a free European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) whenever you travel to Europe. Doing so means that you will have the costs for most medical procedures covered while away.
However, it’s vital to remember that you still need European travel insurance to cover the costs of any unexpected medical treatment the EHIC or GHIC might not cover. This includes things like transport to and from hospital or even repatriation back to the UK.
What is considered a pre-existing condition for travel insurance?
We consider it a pre-existing condition if any person insured on this policy has:
- Taken any prescribed medication or received medical treatment within the last 2 years
- Been registered in or outpatient at a hospital, clinic or GP surgery in the last 2 years.
- Been advised of a terminal illness.
You must let us know of any pre-existing medical conditions you have before buying insurance. To do so, you can use our quick and easy online medical screening system.
What happens if I don’t declare a pre-existing condition on my travel insurance?
If you don’t declare your pre-existing condition before getting your travel insurance policy, you may find that your policy becomes invalid. This will mean that you will end up having to pay extensive medical bills if the need arises, along with other costs that would previously be covered by your policy.
How far in advance should I get travel insurance?
Experts advise that you get your cover as soon as you book your trip. Failing this, you should arrange cover as soon as possible. Remember that your travel insurance will only be valid if you have bought it before you leave the UK.
It’s especially important to ensure you have travel insurance if you’ve pre-booked any activities or excursions for while you’re on holiday. Policies differ, so be sure to check the wording of your policy if you have a specific activity in mind.
Frequently asked questions
If you’ve got more questions about how our single trip travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.
Who can buy an InsureandGo over 70s travel insurance policy?
Our annual travel insurance policies are available to UK residents (someone who has been living in the UK or the Channel Islands for at least six months, has a UK address and is registered with a GP) who are in the UK at the time of purchase.
To choose the right annual multi-trip travel insurance policy for you, get a quote online or read our policy documents for more information.