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Over 65s Travel Insurance

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 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 aged over 65 looking for specialist cover – 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!

Cheap travel insurance for over 65s

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.

What does our travel insurance cover?

Here's just some of the cover that could be available on your policy.

Lost, stolen or damaged personal belongings

This could include any medication you take abroad with you - so it’s an important benefit.  

Emergency medical expenses and repatriation

Without travel insurance, medical treatment abroad and/or repatriation can be costly. Travel insurance covers you in the event you need emergency treatment. 

Cancellation and curtailment

You’ll be covered in the event you have to cancel – or cut short – your holiday (usually for medical reasons). 

Travel delay

This depends on your policy, so make sure you check with your provider. 

Personal liability

If you cause accidental damage to another person or someone else’s property - you’ll be covered too. 

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.

Customer Questions

Why do I need to declare pre-existing medical conditions for travel insurance?

When you’re looking for travel insurance for an upcoming trip, you may need to declare all pre-existing medical conditions. If you don’t, you may end up with a policy that doesn’t fit your needs, so if something goes wrong while you’re away, you may not be properly covered.

A health insurance policy that provides specific cover for a pre-existing condition takes away any worry, leaving you confident in the knowledge you’ll be covered should anything happen.

What happens if I develop other medical conditions after I have bought my policy?

Don’t worry. Contact your insurance provider as soon as possible and you should be able to make amendments to your policy over the phone.

Bear in mind your premium is likely to increase as a result of the additional cover, but you’ll be correctly covered.

What happens if I need treatment abroad?

If you need emergency medical treatment abroad, ring the emergency number on your policy as soon as possible.

It’s important you keep this documentation to hand throughout your trip, just in case you need to use it.

Do I need an EHIC?

An EHIC card allows you access to state-provided healthcare in all European Economic Area countries and Switzerland which is a great benefit. However, it’s not a comprehensive alternative to travel insurance and won’t cover a range of important items, such as repatriation or stolen property.

If you have a pre-existing medical condition, you’ll need specialist cover to ensure you don’t get left with a hefty price tag.

Customer reviews

Don’t just take our word for it – see what our customers have to say!

After buying over 65s travel insurance or medical travel insurance, 93% of medicaltravelcompared.co.uk customers would recommend us based on 10520 trustpilot.com respondents - as of 02/08/18). Read our reviews
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How Medical Travel Compared works

We’re a specialist comparison website that provides people with pre-existing medical conditions an easy way to find suitable travel insurance. You’ll find a range of guides, articles and tips across our site. Whilst we always aim to provide the most accurate information and guidance, we can’t always guarantee that the information contained in the pages of our website is correct. Because of this, we can’t accept liability if things go wrong and you use the information at your own risk.

  • This site does not provide medical advice, diagnosis or treatment of any medical conditions. You should always consult a medical professional to ensure you are healthy and fit enough to travel.
  • The information on our site does not constitute financial advice. Always do your own research for your specific circumstances as the information contained within this site is built to offer generic, not bespoke guidance.
  • We always endeavour to provide accurate product and price information, but products and rates issued by our panel of providers are live and subject to changes outside of our control and without warning.
  • Occasionally we link to other websites to provide you with additional information or guidance. We can’t be responsible for their content.
  • We aren’t owned by any insurance companies (or have any favourites) so the information we present on our website is unbiased.