Opening Hours
Trusted for 25 years
Covered 3.5 million+ travellers
24/7 emergency helpline
What is Travel Insurance for over 60s?
Travel Insurance for over 60s helps protect travellers aged 60 and over against unexpected costs before and during a holiday. It can include emergency medical treatment, cancellation and getting you home if medically necessary.
With AllClear, you can find specialist cover for pre-existing medical conditions, with no upper age limit. If you’re planning a short European break or a longer adventure, you can choose cover that takes your health and holiday plans into account.
Why do you need Travel Insurance over 60?
Even when you feel fit and ready to travel, an unexpected illness or accident can disrupt your holiday. Medical expenses accounted for 34% of travel insurance claims in 2024, according to the Association of British Insurers (ABI). Having suitable cover means you have financial protection if you need treatment abroad.
- Medical bills can quickly add up. The FCDO highlights examples of £25,000 or more for a broken leg in Spain and £150,000 or more for a stomach bug or infection treated in a US hospital. These costs include treatment and possible medical evacuation or repatriation.
- A Global Health Insurance Card (GHIC) won’t pay to bring you home. The FCDO confirms that a GHIC does not cover repatriation or private medical care. Travel Insurance can help with an eligible medical return to the UK.
How AllClear supports you:
- Specialist medical cover tailored to you. Nearly 95% of adults aged 60 and older have at least one chronic condition. That’s why we cover over 1,300 different medical conditions when on your trip, including cancer, diabetes and heart conditions.
- Repatriation is included as standard. If you need an air ambulance back to the UK and don’t have repatriation cover, you could face costs upwards of £50,000. That’s not even including expenses for medical treatment. With AllClear, you’re covered for repatriation, so you’re never left to face that alone.
- 24/7 emergency assistance. Designed for older travellers, our global helpline is always just a phone call away. Whether it’s a medical emergency or a disrupted trip, we’re here to help.
Before you travel, make sure your cover matches your medical needs, destination and the full cost of your holiday. Having the right policy removes the ‘what if’ worries, so you can travel with peace of mind.
Why choose AllClear for over 60s Travel Insurance?
You want cover you can rely on and a team that understands your needs. AllClear has specialised in Travel Insurance for people with medical conditions since 2000, helping travellers find suitable protection for the holidays that matter to them.
- Specialist medical knowledge: We consider over 1,300 conditions, including cancer, diabetes and heart conditions. We offer cover to 99.5% of our customers¹.
- Independently recognised cover: Gold, Gold Plus and Platinum have all earned Which? Best Buy status.
- Options to suit your budget: Compare three cover levels to find the protection that’s right for you.
- Trusted by customers like you: 98% of our customers rate us ‘Excellent’ or ‘Great’², so you can feel confident choosing AllClear.
- UK-based team: Speak to our award-winning³ team if you need help understanding your cover options.
- Support whenever you need it: Our 24/7 medical emergency helpline is there if you become ill or injured abroad.
What does AllClear’s Travel Insurance for over 60s cover?
Travel Insurance for over 60s can cover medical emergencies abroad, cancellation or cutting your trip short for covered reasons, and lost or stolen luggage. Declare your pre-existing medical conditions so we can consider cover for your health needs.
Benefits vary by plan, so check your Policy Wording for cover limits and exclusions.
What’s covered?
- Medical expenses – We can cover any emergency medical treatment you need while travelling, including if it relates to pre-existing medical conditions you’ve declared
- Medical aids – You can travel with confidence because we’ll protect all your important medical equipment and accessories from loss or damage
- Medication – If you misplace your medication, we will help you get a replacement as soon as possible
- Repatriation – This covers the cost of emergency medical transport back to the UK
- Lost luggage – We will pay out if your baggage is stolen or damaged. This way, you can replace your important items and enjoy your holiday
- Cancellation and cutting your trip short – Provides cover if you have to cancel your trip due to an unforeseen emergency or reasons beyond your control
- Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted, so you can continue your journey smoothly
What’s not covered?
- Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy Travel Insurance, so we can provide you with the right cover. This is especially vital for senior travellers, and those with long-term illness
- High-risk activities – Some activities are not covered by our standard Travel Insurance. However, extra protection is available for an additional premium
- Missed departure within your control – While we know that things can go wrong, you won’t be covered if you miss your transport for an issue within your control
- Deciding not to travel – We offer cancellation cover for specific reasons, such as illness, injury or bereavement. For full details, please see your policy documents
Choose the right Travel Insurance for over 60s
Your holiday deserves cover that fits. Look beyond the price and compare medical cover, cancellation limits and excesses to find a policy that suits your health needs, travel plans and budget.
Before you buy, check the Policy Wording so you know exactly what protection you’re paying for.
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.
How much does Travel Insurance for over 60s cost?
Your age is only one part of the price. Travel Insurance is priced based on your medical history, where you’re going, how long you’ll be away, and the protection you choose.
Here’s how your plans can influence your quote:
Where you’re travelling: Medical treatment costs differ by country, which can affect your premium.
How long you’re staying: A weekend away and a month abroad involve different lengths of cover.
Your health needs: The conditions you declare and your answers to medical screening questions help determine the price.
How often you travel: Compare Single Trip and Annual Multi-Trip prices against the holidays you have planned.
The protection you select: Your cover level, excess and any optional extras also affect the total.
There’s no single price that applies to everyone over 60. Getting a personalised quote lets you compare your options using your own health details and holiday plans.
How long can I travel for with over 60s Travel Insurance?
The maximum length of your holiday depends on your age, destination and whether you choose Single Trip or Annual Multi-Trip Travel Insurance.
| Age | Single Trip | Annual Multi-Trip USA, Canada, Mexico & the Caribbean |
Annual Multi-Trip Other destinations |
|---|---|---|---|
| 60–70 | Up to 365 days | Up to 45 days per trip | Up to 45 days per trip |
| 71 and over | Up to 365 days | Up to 35 days per trip | Up to 45 days per trip |
An Annual Multi-Trip policy can cover multiple holidays during its 12-month term, up to a combined maximum of 183 days away. Each individual holiday must remain within the limits shown above.
Your permitted trip length will be confirmed during the quote process and shown on your policy schedule. Check your Policy Wording for full details before booking your holiday.
Travel Insurance for over 75s with medical conditions
Living with a medical condition shouldn’t stop you from travelling. AllClear specialises in Travel Insurance for people with pre-existing medical conditions and can consider more than 1,300 conditions.
A pre-existing medical condition is any illness or injury you’ve experienced symptoms, treatment, investigations, surgery, or medical appointments for within the last two years.
You must tell us if, within the last two years, you’ve taken prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or through a remote consultation. You must also tell us if you’re on a waiting list that could cause you to cancel or cut short your trip, or if you’ve been advised that you have a terminal illness.
Some of the most common medical conditions we cover for travellers over 60 include:
Chronic illnesses – 94% of adults over 60 are currently living with at least one chronic condition, while nearly 80% have two or more. We provide cover for cancer, Crohn’s disease, gallstones and other long-lasting chronic conditions.
Heart conditions – We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation.
Diabetes – Disruptions in insulin production or usage affect blood sugar levels, including diabetes.
Musculoskeletal conditions – including back problems and osteoporosis.
Neurological conditions – including strokes, epilepsy and multiple sclerosis.
Mental health – 16% of older adults sought treatment for depression, and we provide cover for mental health, including anxiety and depression.
Declaring your medical conditions is straightforward and can be completed online or over the phone with our UK-based team.
Can’t see your condition listed? Explore our full directory to learn more about the medical conditions we can cover.
Should you declare your pre-existing medical conditions?
Yes – you need to declare your pre-existing medical conditions when buying Travel Insurance for over 60s. Even if a condition is well managed or you feel healthy, it may still need to be declared.
Answer the medical screening questions fully and accurately, including questions about your diagnoses, medication, treatment and any tests or investigations. This helps us assess your health needs and confirm which conditions we can cover.
Leaving out medical information could affect a claim or invalidate your policy. If you’re unsure whether to declare something, speak to our team before you buy.
If your health changes after taking out cover, contact us as soon as possible so we can confirm whether your cover needs updating.
Find the best over 60s Travel Insurance for your trip
We know that flexibility is an important factor during the planning stage of a holiday. The good news? Our policies are tailored to your exact needs and preferences so you can find the best Travel Insurance to suit your needs.
There are a few types of cover available to travellers over 60:
- Single Trip Travel Insurance is perfect if you’re only planning to travel once over 12 months. They offer holiday cover for your destination of choice for trips of up to 365 days
- Annual Multi Trip Travel Insurance works well if you’re travelling more than once within 12 months. It’s usually more cost-effective than buying repeat Single Trip policies, too
- Family Travel Insurance is ideal if you’re going away with the kids or family. You can cover everyone under one policy so that everyone has the same level of protection when you travel. Plus, you won’t need to worry about sorting out cover from different providers if you need to claim
Countries covered by our over 60s Travel Insurance
What better way to enjoy your retirement years than by exploring new places? We provide a range of policies to keep you covered no matter where you’re travelling. Choose your region of cover based on your plans, and enjoy the same peace of mind, wherever you go.
You can choose from:
- UK Travel Insurance – Cover for trips within the UK, including cancellation, lost baggage and medical emergencies.
- European Travel Insurance – Includes all EU countries, including Spain, France, Italy, Portugal, Greece and Cyprus. Great for city breaks, sun holidays and sightseeing tours. This type of cover also includes protection for medical emergencies and pre-existing conditions.
- Worldwide Travel Insurance – Full global cover for trips across Asia, Africa, Australia, South America and more. You can also choose whether to include or exclude the USA, Canada and Caribbean.
Wherever you go, we provide comprehensive cover for pre-existing medical conditions – plus 24/7 emergency assistance.
What optional extras can you add to over 60s holiday insurance?
You can tailor your policy with additional cover to suit your holiday plans:
- Cruise Cover – Cruises are particularly popular among over-60s travellers, with 33% of UK cruise customers aged between 60 and 69. Cruise Cover includes protection for cruise-specific events such as cabin confinement, missed ports, itinerary changes and unused excursions. It can be added to Gold Plus policies and is included as standard with Platinum
- Gadget Cover – Additional protection for eligible electronic devices, such as smartphones, tablets and laptops, if they’re lost, stolen or damaged during your trip
- Golf Cover – Additional protection for your golf equipment and other eligible costs associated with your golfing holiday
- Natural Disaster Cover – Additional protection for certain travel and accommodation costs if your trip is affected by an unexpected natural disaster, such as an earthquake or wildfire
- Excess Waiver – Available with selected policies, this removes the excess you would usually need to pay towards an eligible claim
Optional extras may require an additional premium and must be shown on your policy documents.
Do you need Travel Insurance if you have a GHIC?
Yes, a Global Health Insurance Card (GHIC) can help you access medically necessary state healthcare in the European Economic Area and certain other countries on the same terms as local residents.
However, treatment isn’t always free, and a GHIC doesn’t provide the same protection as Travel Insurance. It won’t cover:
- Private medical treatment
- Medical repatriation to the UK
- Lost or stolen baggage
- Cancelling or cutting short your trip
- Most other non-medical travel costs
Travel Insurance can provide wider protection, including eligible emergency medical expenses and repatriation. Any pre-existing medical conditions must be declared and accepted for cover.
A GHIC is free to apply for through the NHS. Taking both your GHIC and suitable Travel Insurance can help you prepare for a wider range of unexpected costs.
How our Travel Insurance for over 60s works: A simple 3 step quote process
To make sure you get the best Travel Insurance for your trip away, you will first need to complete our quick and simple 3-step screening process.
Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday 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 and 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.
Our experts say…
“Airports often provide special assistance services for passengers, which is a great help when you are travelling in your 60s with medical conditions. You can request help with:
- Security screening: Passengers with medical conditions may require special handling at security checkpoints. You can request a private screening if you have sensitive medical equipment or need privacy. If you’re carrying medications, let the security staff know.
- Expedited check-in and boarding: Some airlines offer priority check-in or boarding for passengers with medical needs. This can reduce the stress of standing in long lines and give you extra time to settle in before the flight.
- Transportation between terminals: For large airports, you can arrange for transportation between terminals or to the boarding gate using electric carts or shuttles.”
Dr Anisha Patel – NHS General Practitioner
What to do if you need to claim while travelling in your 60s
Knowing what to do when something goes wrong can make the claims process more straightforward.
Do:
- Keep your policy details accessible: Save your policy number and emergency assistance contact details on your phone and take a printed copy with you
- Contact the emergency assistance team promptly: If you’re admitted to hospital, need repatriation or require significant medical treatment abroad, call the 24/7 emergency assistance team as soon as possible
- Report losses or theft: Tell the police, airline, transport provider or accommodation provider promptly and ask for written confirmation
- Keep supporting documents: Save receipts, invoices, medical reports, booking confirmations and correspondence relating to the incident
- Tell the relevant provider first: If your flight is cancelled or your baggage is delayed, contact the airline or travel company before making a claim
- Submit your claim promptly: Follow the instructions in your policy documents and provide all the requested evidence
Don’t:
- Arrange repatriation yourself: Contact the emergency assistance team before making arrangements to return to the UK for medical reasons
- Discard receipts or damaged items: The claims team may need these as evidence
- Assume every cost is covered: Check your policy limits, excesses, terms and exclusions before paying for non-emergency expenses
- Delay reporting an incident: Waiting could make it harder to obtain the documents needed to support your claim
- Travel against medical advice: Doing so could affect your cover
Visit our claims page for information about making a claim and the documents you may need.
Travel tips for over 60s
Here are our expert tips to help you make the most of your adventures:
Plan for your health needs: Pack extra medication in your hand luggage and carry a letter from your doctor explaining your conditions and treatments. Research medical facilities at your destination and keep our 24/7 helpline number easily accessible, where this service is included on your policy
Choose your timing wisely: Consider travelling during shoulder seasons when destinations are less crowded. This can also mean better access to medical facilities if needed and a more comfortable experience overall
Stay connected: Ensure family members have your itinerary and know how to contact you. Consider travel apps that work offline and keep important documents stored securely both physically and digitally
Travel Insurance is essential: Never travel without appropriate cover. Even short trips to Europe require proper insurance, as the Global Health Insurance Card generally only provides access to state-provided, medically necessary healthcare during a temporary stay and does not replace travel insurance or include medical repatriation or most private medical costs. GHIC cover arrangements can change, so you should always check the latest official NHS or UK government guidance before you travel
Choose accommodation that works for you: Check for lifts, steps and walking distances to transport, restaurants and attractions. If you have accessibility requirements, confirm the details directly before booking
Leave room to enjoy your trip: Allow time between connections and balance busy sightseeing days with quieter ones. A flexible itinerary gives you more freedom to explore at your own pace
Q: What are your top tips for travelling in your 60s with medication?
A: “Always pack more medication than you think you’ll need, and keep it in your carry-on in case of any luggage delays. Additionally, carry a letter from your doctor explaining your condition, medications, and any other medical details that might be important in an emergency. You may need this at airport security or for medical professionals overseas.”
Dr Anisha Patel – NHS General Practitioner
24/7 medical support while you’re abroad
If you fall ill or suffer an injury on holiday, knowing who to call can make a difficult situation easier to manage.
With AllClear’s Travel Insurance for over 60s, you have access to a 24/7 medical emergency helpline. Our assistance team can help you access suitable treatment, liaise with medical staff and coordinate your return to the UK when medically necessary and covered by your policy.
Before you travel, save the emergency assistance number in your phone and share it with your travel companion, along with your policy number. Keep a printed copy too, so help is within reach even if your phone is unavailable.
What our customers say
With more than 230,000 reviews on Trustpilot, AllClear is rated ‘Excellent’ with a TrustScore of 4.8 out of 5. See what customers say about arranging their Travel Insurance with us.
Excellent Travel Insurance for the over 60's
“Excellent Travel Insurance for the over 60’s. Value for money and easy to navigate through the website. We will definitely use again on our next overseas trip!”
Over 60s Travel Insurance FAQs
Yes, premiums may increase slightly with age. That’s because older travellers are more likely to have medical conditions or need support while away. But at AllClear, we offer fair, tailored pricing based on your individual circumstances – not just your age.
No, we do not have any upper age limit on our policies. You can travel with us whether you’re in your 60s, 70s, 80s or beyond.
However, the cost of your policy will depend on a number of factors, including your age, medical conditions, your chosen level of cover and destination.
This policy covers emergency medical treatment abroad and up to £25K for trip cancellations.
Additionally, you’re also covered for travel disruptions and delays, and insured against lost, damaged, or stolen baggage and personal belongings.
As with any policy, you can get your over 60 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. Martin Lewis says that the best time to buy your Travel Insurance is as soon as you book your trip.
This way, you’re covered if you become ill or if a medical condition forces you to cancel or delay your trip.
Yes, it is essential you have over 60s Travel Insurance, even with a Global Health Insurance Card (GHIC).
GHIC only provides limited cover for emergency medical treatment within the European Economic Area (EEA) and Switzerland. You won’t be covered for other issues, such as luggage loss, travel delays, or cancellations.
When buying Over 60s Travel Insurance, you must declare any pre-existing medical condition you may have. If you choose not to declare all of your conditions, your cover could be declined.
You can declare your medical conditions and get comprehensive cover in minutes. This can be completed via our online quote process or by calling one of our trained professionals.
The cost of your Travel Insurance is determined by a number of factors, including your age, medical history, destination, duration of the trip and level of cover.
Over 60 Holiday Insurance covers you while you’re in your 60s. However, AllClear policies have no maximum age limit. You can travel with AllClear at any age with our Seniors Travel Insurance.
Yes, you’ll be covered for costs if you need to return to the UK when you buy our Over 60s Holiday Insurance. Cover for repatriation back to the UK also extends to any other travelling member listed on your policy.
Yes, be sure to say that you are on a waiting list for treatment during the Medical Warranty section of your quote.
Plus, if you’d like to be covered for cancelling your holiday due to being on the waiting list, add Waiting List cover as an optional extra.
Of course! Being on the same policy as a friend or family member also has many great benefits. For example, if you’ve opted for cancellation cover in your policy, all of you can benefit from it if needed.
Travel Insurance for over 60s can be bought as an Annual Multi-trip Travel Insurance policy, allowing you to take multiple trips throughout the year⇞.
Instead of specifying your exact destinations, you choose your preferred region of cover, so you can:
- Travel for up to 365 days on a Single Trip Travel Insurance policy
- Enjoy up to 45 days per trip as standard with an Annual Multi-trip policy, with the option to extend up to 55 days depending on your chosen cover level.
Please note: if you’re aged 71 or over and travelling to the USA, Canada, Mexico or the Caribbean, the maximum trip length is 35 days and extensions are not available.
The total time you can spend abroad across all trips in a policy year is limited to 183 days. Refer to your policy wording for more information.
Yes. We cover many types of cancer, including ongoing and past conditions. You’ll need to declare your diagnosis and treatment history during the quote process, and we’ll tailor your cover to suit your specific situation.
Cruise holidays have unique risks like cabin confinement due to a medical condition or missed ports due to medical emergencies. Our cruise cover is designed to address these specific situations and is included with our Platinum policy or available as an add-on for Gold and Gold Plus policies, where selected, and always subject to terms, conditions, limits, and exclusions. It is perfect for travellers aged over 60 who love to cruise.
Get the most out of your trips with our helpful guides
Learn from our experts and customers
Get expert advice, real customer experiences and practical Travel Insurance guidance to help you travel with confidence.
Need travel inspiration?
Retirement is the perfect time to explore more of the world. Browse our travel guides for holiday inspiration for your next trip.
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 Anisha Patel is a general practitioner with a specialist interest in women’s health and a bowel cancer survivor. She’s a speaker, health educator, writer and media doctor and works hard within a variety of media outlets to push health education agendas and break down stigmas and taboos.
Our content is created and reviewed by a dedicated team of experts
^ 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.
⇞ Unlimited trips to your chosen region over a 12-month period from the start date of an annual policy, up to a maximum of 183 days’ travel per year. Individual trip duration limits apply.
1 Based on completed quotes between March 2025 and February 2026.
2 Based on 230,000+ Trustpilot responses, as of July 2026.
3 UK Broker Awards, Customer Service Awards 2025.
