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Seniors Travel Insurance: key things to know
Arrange cover when you book: Buying insurance as soon as you book (ASAB) means cancellation protection can begin before departure, for reasons covered by your policy
Tell us about your health: Declare all medical conditions required by the screening questions, including those managed with medication. Incomplete or inaccurate answers could affect your cover or a claim
Check age and trip limits: AllClear has no upper age limit, but you should still check how long each trip can last and any restrictions for your destination
Compare cover for your plans: Single Trip cover protects one holiday. If you’re planning several, compare Annual Multi-Trip cover with separate policies to see which suits your needs and budget
What is seniors Travel Insurance?
Seniors Travel Insurance helps protect older travellers against unexpected holiday costs, including cancellation before departure and emergency medical treatment while abroad. Depending on your chosen policy, it can also cover repatriation and lost or stolen belongings.
As we get older, our health and holiday cover needs may change. Higher prices, age restrictions and medical questions can make finding suitable insurance feel more complicated. Understanding what a policy includes can help you choose protection that suits your circumstances.
AllClear has no upper age limit and considers more than 1,300 pre-existing medical conditions. With Single Trip and Annual Multi-Trip options, you can find cover for the way you like to travel.
Why do you need seniors Travel Insurance?
Seniors Travel Insurance is a type of travel insurance designed around the needs of those who are later in life. The core cover is the same for every age group, but once you’re over 65, you are likely to have more medical conditions that you will need to declare to get comprehensive cover. That’s why your medical screening may be more involved when you are getting a quote.
Some travel insurance providers also have age restrictions, so you may have already been refused cover elsewhere. This means if anything happens while you’re away, like an emergency trip to the doctor, a slip or fall, you’ll be covered.
Travelling can become more complicated as we get older, but it doesn’t have to. However, it’s important to sort your Travel Insurance before you head off. This means if anything happens while you’re away, like an emergency trip to the doctor, a slip or fall, or a problem with one of your existing medical conditions, you’ll be covered.
- As we get older, it’s common to have multiple or more complex health conditions. Age UK estimates that 40% of people aged over 65 have a pre-existing medical condition
- Although it’s common for older travellers to have a medical condition, it can be challenging to find comprehensive travel insurance that covers pre-existing medical conditions
- In the UK, an estimated 4 million people aged over 50 live with serious conditions, according to research from the International Longevity Centre
At AllClear, we believe that age shouldn’t limit your travel opportunities. No one likes to think of something going wrong on their holiday. But if the worst happens while you’re away, AllClear’s Senior Citizen Travel Insurance will cover you.
Why choose AllClear Travel Insurance for seniors?
Your holiday plans are personal, and your Travel Insurance should reflect them. AllClear combines specialist medical cover with a choice of protection levels, helping you find a policy that suits your health and the trips you want to take.
With AllClear, you’ll benefit from:
No upper age limit: Find cover for your next holiday at any age
Specialist medical cover: We consider more than 1,300 pre-existing medical conditions, including multiple conditions
24/7 emergency assistance: Our medical assistance team is available day and night if you become ill or injured abroad
Up to unlimited medical cover: Selected policies offer unlimited cover for emergency medical expenses and repatriation
Cover to suit your plans: Choose from Gold, Gold Plus and Platinum, with Single Trip and Annual Multi-Trip options
Experience you can trust: 25 years of experience, with 98% of customers rating us ‘Excellent’ or ‘Great’²
What does AllClear’s Seniors Travel Insurance cover?
Your holiday involves plenty worth protecting. AllClear’s Seniors Travel Insurance can help with unexpected costs, including emergency medical treatment abroad, medically necessary repatriation, and cancellation, lost, or stolen baggage.
You can choose from different cover levels to suit your plans. Declare your pre-existing medical conditions when getting a quote so we can assess the protection available for your health needs.
Benefits and limits vary by policy. Read the Policy Wording for full details of what is and isn’t covered, including any excesses and exclusions.
What’s covered?
- Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK
- Cancellation and cutting your trip short – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency
- Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
- All ages – We think holiday insurance should be available to as many people as possible, that’s why our Seniors Travel Insurance policies have no upper age limit
What’s not covered?
- Other regions – Your Seniors Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy at any time
- Undeclared medical conditions – We only provide medical cover for medical emergencies where you’ve declared your pre-existing conditions and paid any additional premium needed to cover them
- Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
Finding seniors Travel Insurance that fits your plans
A weekend away and an extended holiday can call for different protection. Start by checking that your policy covers your destinations, travel dates and any activities you have planned.
Your health matters too. Declare the medical conditions required by the screening questions, then compare the cover available for emergency treatment and getting you home if medically necessary. Check that cancellation limits reflect your prepaid, non-refundable holiday costs, and review how much you would pay towards a claim.
If you’re planning several holidays, compare Single Trip and Annual Multi-Trip options, including the maximum length of each trip. Read the Policy Wording before buying to understand the benefits, limits and exclusions.
Levels of Travel Insurance cover
Buying a Single Trip or Annual Multi-Trip policy? Choose from three levels of cover: Gold, Gold Plus, and Platinum.
Gold
Endorsed by Which?
Emergency Medical & Repatriation Cover
£10,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£2,000
Gold Plus
Endorsed by Which?
Emergency Medical & Repatriation Cover
£15,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£5,000
(Up to £15,000 available)
Platinum
Endorsed by Which?
Emergency Medical & Repatriation Cover
Unlimited
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£10,000
(Up to £25,000 available)
All these figures are per person, and per trip.
Travel Insurance for older people with medical conditions
As a specialist medical Travel Insurance provider, we can cover over 1,300 different conditions. This means we can help you find a policy tailored to your specific needs, even if you have a pre-existing health condition.
When choosing your policy, you just need to declare your medical conditions via our medical screening process, either online or over the phone.
Here are some examples of pre-existing medical conditions we cover:
Declaring medical conditions on your Travel Insurance
Even if you feel well, you may still need to declare a medical condition. This includes conditions controlled with medication or those that haven’t caused symptoms recently.
When getting a quote, follow the medical declaration questions carefully. We’ll ask about the past two years, including:
- Prescribed medication you’ve taken
- Medical treatment or advice you’ve received
- Appointments and consultations, including hospital, GP, telephone and online appointments
You’ll then answer screening questions about the conditions you declare so we can assess the cover available.
Need help answering? Keep your medication list and medical details to hand. Our team can explain the questions, or you can check your medical history with your GP.
Give complete and accurate answers. Missing or incorrect information could invalidate your policy or affect a claim.
Our experts say…
Always consult your healthcare professional before planning any travel. Discuss your destination, activities, and how long you’ll be gone. They can give you guidance on managing symptoms, medications, and any potential risks, like infections or altitude sickness, depending on where you’re headed.
Dr Anisha Patel – NHS General Practitioner
How much does Seniors Travel Insurance cost?
The price of Seniors Travel Insurance is based on your individual circumstances and holiday plans. Travellers of the same age may receive different quotes because their health, destinations and cover needs differ.
Your quote takes several factors into account:
Your age and health: Your medical history and answers to the screening questions help determine the price of your cover
Your holiday destination: Medical treatment costs vary between countries, which can affect your premium
Your travel dates and trip length: The time you’ll spend away influences the cost. For several holidays, compare Annual Multi-Trip cover with separate Single Trip policies
Your chosen benefits: Cover levels offer different medical, cancellation and baggage limits. Adding optional protection can also increase the price
Your excess: Look at the premium alongside the amount you would need to pay towards a claim
Get a personalised quote using your travel plans and accurate medical information. Then compare the benefits, limits and exclusions to find cover that suits your needs and budget.
Always read the Policy Wording for full details of what is and isn’t covered, including limits, excesses and exclusions.
Find the best Seniors Travel Insurance for your trip
Your age shouldn’t stop you from travelling how you want to, and neither should your Travel Insurance policy. That’s why we tailor all our policies around specific holiday types. So what will you be doing on your trip?
- Taking a couple of trips this year? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year.
- Hopping on a cruise? We’ve got you covered, with Cruise Insurance that protects you against things like cabin confinement, missed departures and even unused excursions.
- Big family holiday? Our Family Travel Insurance is what you’re looking for. One policy for the entire family means less hassle and less paperwork.
- Planning a staycation? Our UK Travel Insurance means you’re still covered for things like missed departures or cancelled accommodation.
- Heading off for a once-in-a-lifetime getaway? Our Worldwide Travel Insurance covers you for all destinations.
How our Travel Insurance for Seniors works: A simple 3 step quote process
Securing Travel Insurance For Seniors is made easy with AllClear. Simply complete our quick 3-step screening process to receive your quote.
Here’s how it works.
1. Get a quote online or by phone
Once you are ready to start the quote process, the first step is to provide your personal details and information about your travel plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
Here, you need to declare any medical conditions you have and any medications you or your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.
Q: What is your top tip to manage fatigue during travel?
A: Schedule plenty of rest
“Plan your itinerary with built-in rest periods. Avoid over-scheduling your days if you are experiencing fatigue due to a medical condition. Take breaks throughout your trip to recharge, and don’t hesitate to skip activities if you’re feeling tired.”
Dr Anisha Patel – NHS General Practitioner
How to claim on your Travel Insurance
Knowing who to contact and which documents to keep can make claiming easier. Start with the guidance below, then check your Policy Wording for the requirements that apply to your claim.
Need emergency medical assistance abroad?
If you need urgent medical attention, contact the local emergency services first. Contact the emergency medical assistance team using the number in your policy documents as soon as possible.
The team is available 24/7. Contact them before arranging non-urgent treatment or transport so they can explain the next steps and any approval requirements.
Making a non-emergency claim?
These five steps can help you prepare:
- Have your policy and booking details ready: Keep your policy number, policy schedule and original booking invoices showing your travel dates and costs
- Keep evidence of what happened: Save receipts, boarding passes and luggage tickets. Take photographs of damaged belongings
- Report the incident promptly: Report theft to the police within 24 hours and request an official report. For lost or damaged luggage, notify your airline or transport provider and obtain written confirmation
- Gather documents for your claim: If you cancel due to illness, you may need a signed medical certificate. For departure delays, ask your transport provider for written confirmation of the reason and length of the delay
- Submit your claim: Follow the claims instructions in your policy documents and provide the requested evidence. Keep copies of everything you send
Always read the Policy Wording for full details of claim requirements, time limits and exclusions.
24/7 medical emergency care abroad
Becoming ill or getting injured on holiday can leave you unsure where to turn. With AllClear’s Seniors Travel Insurance, you can contact our emergency medical assistance team at any time, day or night.
The team can help you find appropriate medical care, speak with the healthcare professionals treating you and, where covered, arrange your return to the UK if medically necessary.
Keep your policy details and emergency assistance number somewhere easy to find, and share them with anyone travelling with you.
Always read the Policy Wording for full details of what is and isn’t covered, including limits, excesses and exclusions.
What our customers say
Comprehensive Travel Insurance for seniors with medical issues
“With medical issues and being seniors, travel insurance is necessary but sometimes difficult to get. AllClear provides value for money, comprehensive insurance for all eventualities. Customer Service good with Natalie excellent and helpful.”
Seniors Travel Insurance FAQs
There are a few reasons that our Travel Insurance for seniors policies are the best. Seniors are more likely to have pre-existing medical conditions, with 54% of people aged over 65 having two or more conditions, according to the NIHR. Luckily, we’re a specialist medical provider, and we cover more than 1300 conditions, from heart conditions to strokes to diabetes.
Unlike other Travel Insurance providers, our policies have no upper age limit, because we believe that anyone, of any age, should be able to go on holiday. So whether you’re 50 or 90, we’ve got a Travel Insurance policy that’s right for you.
There is no standard cost for Travel Insurance for seniors, as this is dependent on several different factors. For example, it will be affected by your age, whether you have any pre-existing medical conditions, where you’re going, and whether or not you need any additional extras, such as cruise cover. All of this means a different cost for each policy.
Unfortunately, Travel Insurance becomes more expensive as we get older because there is an increased risk of claims when older people travel. Travel insurance providers consider senior citizens more at risk of needing medical treatment while they’re away. This is normal with all Travel Insurance policies.
Yes. Life Insurance is quite different from Travel Insurance. You will need Travel Insurance to cover you for medical emergencies abroad or any cancellation costs.
Life Insurance will not cover you in the event of a delayed flight or lost luggage, so having the relevant Travel Insurance is incredibly important for any trips that you take.
Yes, our Travel Insurance for seniors will cover your medication if it’s lost or stolen. That way, you’ll never be without the medication you need, even if you’re abroad.
If you’re going to a country where English isn’t widely spoken, write down the name of your medication in both English and the predominant language in case of an emergency. It may be known under a different name in some countries, or the same brand name may be used for a different drug.
Yes, you still need Travel Insurance even if you have a Global Health Insurance Card (GHIC). Although the GHIC will cover your medical expenses in the event of an emergency, it will not cover things like transport to or from the hospital.
The GHIC also doesn’t cover any other holiday mishaps, such as lost luggage, delays or cancellations. The UK Government recommends that you always get travel insurance with medical cover, no matter what country you are visiting.
We do not have upper age limits on our Travel Insurance policies. This applies to both Single Trip and Annual Multi-trip policies.
Many insurance providers do set upper age limits, but at AllClear, we believe everyone has the right to travel with peace of mind.
If you’ve booked a holiday, DO NOT leave arranging your Travel Insurance on the ‘things to do’ list, as you’ll be taking an unnecessary risk.
This is because a travel insurance policy doesn’t just cover you while you’re away – it’s what it covers before you go, such as cancellation due to illness, bereavement, redundancy or other unexpected problems. That is why Martin Lewis, Money Saving Expert, recommends getting cover as soon as you book.
When getting a Travel Insurance quote, you will be asked a series of questions, which include details of your medical history. This applies to everyone, not just seniors. You’ll be asked about any conditions you have, any treatment you’ve received and any medication you take.
If you say you’ve seen a GP, consultant or specialist, or you’re on medication, we will ask follow-up questions so we can properly assess the risk and provide you with a fair premium. It’s important you are honest and declare all your medical conditions. This can either be through a short online questionnaire and/or a phone screening. You won’t need to know the names of all of your medications, but you may need to know how many medications you are taking for particular conditions.
Not automatically. Travel Insurance policies, regardless of age, come with fixed medical cover limits, so it’s up to you to pick a policy with the level of protection you’re comfortable with.
What does differ is the range of policies available to you, and the options you have to increase those limits if you want more protection.
When getting a quote with AllClear, you’ll be shown a choice of policy levels (Gold, Gold Plus and Platinum). Higher-tier policies usually offer bigger medical limits, lower excesses and extra benefits such as travel disruption cover. Our medical emergency expenses cover is unlimited on Platinum cover.
For long-haul destinations, especially the USA or Caribbean, where medical bills can be extremely high, it can be worth looking at a policy with higher limits for added peace of mind.
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Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Dr Frankie Jackson-Spence MBChB (Hons) BMedSc (Hons) MRCP is a medical doctor, media and content creator and podcast host, who offers factual and relatable health advice in preventative medicine.
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^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinum has been 5 Star rated by Defaqto.
1 UK Broker Awards, Customer Service Awards 2025.
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