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 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.
Travel insurance enables people aged 65+ to continue travelling with peace of mind - and a wide range of brokers can offer tailored travel insurance for those over 65 with medical conditions covered.
We believe getting older shouldn’t be a barrier to jet-setting across the globe – there is no upper age limit on adventures. That’s why at Medical Travel Compared, we make the process of finding over 65 travel insurance as quick, simple and hassle-free as possible.
We’ll compare quotes from over 30 leading travel insurance providers to find a deal that works for you so you can get back to planning your trip.
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We only work with providers who specialise in covering pre-existing conditions.
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Get over 65 travel insurance with pre-existing medical conditions
The beauty of our straightforward online comparison tool is that it enables us to find quotes from a variety of specialist medical travel insurance providers in seconds.
We work with a range of providers who specialise in covering pre-existing conditions, so you can be sure to find a provider who can cover your condition while you’re abroad if you need emergency medical treatment.
With us, you can declare many different pre-existing conditions you’ve been diagnosed with. Based on this information, we can provide you with the most relevant quotes.
You can find travel insurance for over 65s with medical conditions including but not limited to:
- Heart & Circulatory
- Digestive
- Respiratory
- Autoimmune
- Cancer
- Mental Health
If you are looking for more specific advice on your age, we have pages dedicated to over-70s travel insurance, over-80s travel insurance and over-90s travel insurance to help.
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 before you take 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.
Over 65s annual multi-trip or single-trip cover
One of the most important things you should consider before getting covered is the type of policy you need.
If you want to cover just one trip abroad, single-trip travel insurance is probably the best option.
However, annual multi-trip insurance can cover multiple trips over the year - so, depending on your travel plans, you may decide that this is, in fact, a more sensible and cost-effective type of policy for your needs.
You can select either a single trip or annual multi-trip cover before you compare quotes with us to ensure you buy travel insurance that works for you.
Are there different levels of over 65s insurance cover?
In general, once you’ve listed your personal details (including age), information about your trip, and declared any medical conditions, you’re likely to find that cover usually varies from provider to provider.
You’ll see that the more expensive policies generally offer more coverage than the cheaper insurance deals - and you should always prioritise the level of protection over cost just to make sure you’re fully protected.
You can even add additional cover on to your single trip or annual multi-trip policy if you want to ensure your travel insurance covers a particular holiday type or circumstance. These optional extras include:
Get a quoteWhat isn’t covered by over 65s travel insurance?
There are a few things that may not be covered by over 65s travel insurance. This varies from provider to provider - but the main thing to consider is that there may be a limited amount of time you can travel for on one policy.
Other notable things include:
- Undeclared medical conditions (before purchasing, ask yourself - which medical conditions do I need to declare?)
- Undeclared activities (for example, are you likely to need winter sports cover?)
- Substance abuse
Get cheap travel insurance for over 65s
Finding a suitable travel insurance policy shouldn’t be a hassle – regardless of your age. 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 30 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 looking for travel insurance for over 65s with a medical condition – 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!
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Frequently Asked Questions
Older travellers can compare different types of cover thanks to the sheer number of providers we work with. We can also find you cover for your pre-existing medical conditions
Travel insurance is an important part of planning a holiday - no matter how old you are. Therefore, it’s important to ensure you get it before you travel - including cover for pre-existing medical conditions.
Exclusions will vary from provider to provider. Some might have specific exclusions; for example, they might cap the duration of cover they offer. We’ll only ever show you quotes that are relevant to the information you’ve given us, and you should always check the provider's full list of exclusions before purchasing.
We’ll ask you for details of your trip and information about what coverage you need. You’ll also be able to tell us about any medical conditions using our simple online screening tool – no need to call a provider or write to us - and the cost of your travel insurance will be calculated. It’s that easy!
Cost varies from provider to provider, but things like age, destination, and duration of stay are usually the main factors that apply to cost. This is why comparing travel insurance quotes is essential so that you know you’re getting a fair price for the cover you need.
“Pre-existing” refers to any medical condition for which medical advice, diagnosis, care, or treatment was recommended or received before applying for a travel insurance policy. For some conditions, we'll need to know if they have ever been present, whilst, for others, we need to know if they occurred within a certain period
We'll ask you 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 more about that condition. This could be a condition that a traveller has now or has had in the past. This makes it easy to know what you need to disclose.
If you are not sure what conditions you need to declare, we have online support available to help you 24/7!
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; it's all online, and there's no need to call or provide details of your conditions in writing.
* Price is based on 1 traveller aged 68, who has no medical conditions and is travelling to France for 7 nights. The price is correct as of October 2024. 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.
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