If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking newexperiences.
Travel insurance for over 60s
As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re onholiday.
But it provides cover for a wide range of scenarios,including:
- Your belongings being lost, damaged orstolen
- Needing legal assistance while you’reaway
- Traveldelay
Choose from three levels ofcover
Admiral | Admiral | Admiral | |
|---|---|---|---|
Excess | £100 | £75 | £50 |
Emergency medical treatment&repatriation(Limits upto) | £10M | £15M | £20M |
Cancellation or cutting short your trip(Limits upto) | £1.5K | £3K | £5K |
Personal belongings(Limits upto) | £1K | £2K | £2.5K |
Money & documents(Limits upto) | £300 | £400 | £500 |
Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes coverfor:
- Loss of medication
- To bring you home following emergency medical treatment
It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’tcovered.
Travel insurance for over 60s with pre existing conditions
You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.
A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.
Pre-existing conditionsinclude:
- Cancer
- Diabetes
- Heart disease
- Stroke
You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 03332349913.
Your pre-existing conditions won’t be covered unlessyou’ve:
- Declared them all on yourpolicy
- Received written confirmation that we’ll cover your medicalcondition
- Paid any additional premium infull
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on yourpolicy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim yousubmit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medicaldirectory.
If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bankholidays.)
Registering for freetreatment
If you’re travelling in the European Economic Area or Switzerland, you should apply for aGHIC(Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medicalexpenses.
Some countries, such as New Zealand, Australia and the Falkland Islands, also havereciprocal health care agreementswith the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover thecosts.
To find out the true costs of getting ill abroad, check out our interactive globe where you canexplore the cost of medical treatmentin the most popular travel destinations for UKholidaymakers.
Cruise travel insurance for over 65s
A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.
Adding theCruise upgrademeans your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without theadd-on.
As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medicalofficer.
Cover for sports and leisure activities
It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.
These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years forcover.
If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check yourpolicy bookorcontact usto clarify what you will and won’t be coveredfor.
