Opening Hours
Trusted for 25 years
Covered 3.5 million+ travellers
24/7 emergency helpline
Why do you need specialist over 65s Travel Insurance?
AllClear’s Over 65s Travel Insurance can help protect you against unexpected medical bills, cancellation costs and lost baggage. With no upper age limit, you can apply for cover whatever your age.
We specialise in Travel Insurance for pre-existing medical conditions and can consider more than 1,300 conditions. Tell us about your medical history when getting a quote, so we can explain the cover available to you.
Depending on the policy you choose, you could get up to unlimited cover for emergency medical treatment and repatriation, plus up to £25,000 cancellation cover. This can include cancellation because of an unexpected illness where your policy covers the circumstances.
Why do over 65s need Travel Insurance?
An unexpected illness or accident can disrupt your holiday and leave you facing costs you hadn’t planned for. Travel Insurance can help with those expenses and give you access to support when you need it.
- Help if you become ill or injured: A fall or unexpected illness could mean you need medical treatment abroad. Your policy can help with eligible treatment costs and getting you home if medically necessary
- Protection for your medical conditions: Age UK reported that over half (54%) of older people had at least two chronic conditions. If a condition you’ve declared and we’ve agreed to cover causes an unexpected medical emergency abroad, your policy can help with the costs
- Support at any time: Our 24/7 English-speaking emergency medical helpline is there if you become ill or injured abroad, so help is a phone call away
Even a carefully planned holiday can bring surprises. Choose cover that suits your health and travel plans, and check your policy’s benefits, limits and exclusions before you buy.
Why choose AllClear for over 65s Travel Insurance?
Turning 65 can affect the cover available from some Travel Insurance providers. At AllClear, your age is only one part of the picture. We consider your medical history, destination and travel plans to help you find a policy suited to your circumstances.
Keep travelling without an upper age limit: Our policies are available to travellers of any age
Declare your conditions in one medical screening: We can consider more than 1,300 pre-existing medical conditions and tailor your quote accordingly
Choose the protection that suits your trip: Gold, Gold Plus and Platinum offer different limits for medical expenses, cancellation and personal belongings
Get help during a medical emergency: Our emergency assistance team is available 24 hours a day while you’re away
Rely on specialist experience: We’ve helped cover more than 3.5 million travellers since 2000
Which? Best Buys: Gold, Gold Plus and Platinum were all recognised in 2026
Trusted by customers: 98% rated their AllClear experience ‘Excellent’ or ‘Great’¹
Your policy will only cover medical conditions you declare and that we accept in writing. Always check your Policy Wording for full terms and exclusions.
What does AllClear’s Travel Insurance for over 65s cover?
AllClear offers cover for emergency medical treatment abroad, repatriation, cancellation and lost baggage. Tell us about any pre-existing medical conditions when getting a quote so we can assess the cover available.
Benefits and limits depend on your chosen policy. Check your Policy Wording for what’s included and any exclusions.
What’s covered?
- Medical cover – AllClear policies include emergency medical cover, including for existing conditions you have. This includes prescription medication and medical equipment
- 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. If you miss your flight, you’ll also be covered for accommodation and transport costs
- 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 Travel Insurance should be available to as many people as possible, that’s why our Travel Insurance for over 65’s has no upper age limit
What’s not covered?
- Deciding not to travel – We do not provide any cover if you can travel but choose not to
- Other regions – Your Over 65’s 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
- Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
- 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
Choose the right level of cover
Think about what you need your policy to protect. How much would you lose if you had to cancel? Where are you travelling, and how long will you be away? Use these details to compare cover, including the maximum length of each trip on an Annual Multi-Trip policy.
Your health matters too. Tell us about your pre-existing medical conditions when getting a quote, then check the medical and repatriation cover available. If your plans include a cruise or other activities, check whether you need additional cover.
Look beyond the price. Check the excess you would pay towards a claim and read the Policy Wording 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.
Comparing Travel Insurance for over 65s
Price is one part of choosing Travel Insurance. Check age limits, medical cover and the help available if something goes wrong.
| What to compare | AllClear specialist cover | What to check with any policy |
|---|---|---|
| Age limits | No upper age limit | Are there age restrictions for your chosen policy or trip? |
| Medical conditions | Specialist medical screening, including for complex conditions | Can your conditions be covered, and are they listed on your policy? |
| Waiting for treatment | Optional Waiting List Cover is available for an additional premium | Could being on a waiting list affect your cover? |
| Emergency support | Access to a 24/7 medical assistance helpline | Who should you contact if you need medical help abroad? |
Compare the benefits, limits and exclusions alongside the price. Read the Policy Wording to check that the cover suits your health and holiday plans.
How much does Travel Insurance for over 65s cost?
We personalise every quote, so your premium reflects your travel plans and individual circumstances. Alongside your age and any pre-existing medical conditions, the following factors can affect the cost:
- Your destination: Healthcare costs vary between countries, so where you’re travelling can affect your premium
- Your planned activities: Some activities are covered as standard, while others require additional cover at an extra cost
- Your trip length: The length of your holiday can affect the cost, with longer trips generally costing more to cover
- Your chosen cover: Your cover level and any optional extras, such as cruise or golf cover, can also affect the price
How long can you travel with over 65s Travel Insurance?
The length of time you can be covered depends on the policy you select, your age and where you’re going. Single Trip policies are intended for one holiday, while Annual Multi-Trip cover allows you to take several trips during a 12-month period.
| Age | Single Trip | Annual Multi-Trip USA, Canada, Mexico & the Caribbean |
Annual Multi-Trip Other destinations |
|---|---|---|---|
| 65–70 | 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 |
With Annual Multi-Trip Travel Insurance, you can spend up to 183 days away across all your holidays during the policy year. Limits also apply to the length of each individual trip, with different maximums for some destinations once you’re aged 71 or over.
Your personal trip limit will be confirmed when you get a quote and shown in your policy documents. Check that it covers your full holiday before you book.
Travel Insurance for over 65s with medical conditions
We believe everyone should have the right to travel – no matter their age or health history. That’s why our over 65s Travel Insurance covers over 1,300 pre-existing medical conditions, including those that other insurers may exclude. As a Specialist Medical Travel Insurance provider, AllClear has helped over 3.5 million travellers stay protected wherever they go.
Pre-existing medical conditions we regularly cover include:
- Heart Conditions – We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation. We’ll also provide cover if you have a pacemaker
- Respiratory problems – This includes conditions that are linked with, or cause breathing difficulties, like asthma and COPD
- Chronic illnesses – Nearly 95% of adults 60 and older are living with at least one chronic condition. We cover issues like Crohn’s disease, cancer, gallstones and other long-lasting concerns
- Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems, osteoarthritis and osteoporosis
- Neurological conditions – Disorders affecting the brain and nervous system, including strokes, epilepsy and multiple sclerosis
Our medical screening process is quick and simple, and can be done online or over the phone. Just declare your health conditions when you get a quote to make sure your policy offers the right level of protection.
What medical information do you need to declare?
Tell us about any pre-existing medical conditions that fall within the medical warranty when you get your quote. This includes conditions for which, during the last two years, you’ve taken prescribed medication or received treatment or medical 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
- You’ve received or been offered palliative care
- You’ve been advised that you have a terminal illness
We’ll ask some questions about the conditions you declare so we can assess your circumstances and confirm the cover available. If you leave out relevant medical information, a related claim may not be covered.
Find the best over 65s Travel Insurance for your trip
The type of Travel Insurance you need will change slightly depending on your trip. That might mean optional extras, like valuable cover for your golf clubs, being protected against cruise cabin confinement or even cover for the whole family.
Choose a policy that fits your plans:
- Taking one holiday this year? Our Single Trip Travel Insurance will cover you for a single trip of up to 365 consecutive days.
- Getting out to see the world? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year⇞.
- Taking the grandkids away? Our Family Travel Insurance can cover the entire family (up to 10 people), in a single policy. Less hassle, less paperwork, more time having fun.
You can also customise your policy with optional extras, such as Gadget Cover for your phone or tablet, and Golf Cover to protect your clubs and cover green fees while abroad.
Countries covered by our over 65s Travel Insurance
From UK staycations to long-haul escapes, our over 65s Travel Insurance is available for a wide range of destinations – with no upper age limit and flexible regional options.
Choose cover for your destination:
- UK – Our UK policies cover you while on holiday in the UK. Please note that cover for medical expenses does not apply to UK trips.
- Europe – Get cover for any country in Europe, including Spain, France, Italy, Portugal, Greece and Cyprus.
- Worldwide – The world is your oyster with Worldwide cover. You can choose to include or exclude the USA, Canada and the Caribbean.
Not sure which region your destination falls into? Give us a call, and we’ll help you choose the right option.
Tailor your over 65s holiday insurance with optional extras
Your destination is only one part of your trip. The activities you have planned and the belongings you’re taking can also affect the cover you need. AllClear offers several optional extras for travellers over 65:
- Cruise Cover adds benefits designed for holidays at sea, such as cabin confinement, itinerary changes, missed ports and unused excursions. It’s available as an upgrade with Gold Plus and included with Platinum
- Gadget Cover can protect eligible phones, tablets, laptops and other devices against specified loss, theft or accidental damage
- Golf Cover provides extra protection for eligible golf equipment and certain costs caused by disruption to your golfing holiday
- Natural Disaster Cover may cover certain unrecoverable travel or accommodation costs if an unforeseen natural event disrupts your trip
- Excess Waiver means you won’t need to pay the usual excess towards eligible claims covered by the option
Is a GHIC enough for travellers over 65?
A Global Health Insurance Card (GHIC) gives UK residents access to medically necessary state healthcare in the EEA and certain other countries. Care is provided on the same basis as it is to local residents, so you may still need to pay towards treatment.
A GHIC is useful, but it doesn’t replace over 65s Travel Insurance. It won’t cover private healthcare, medical repatriation to the UK or non-medical problems such as cancellation, lost baggage and travel delays.
Suitable Travel Insurance can provide wider protection for eligible emergency medical costs and declared pre-existing conditions. For greater protection, take your GHIC alongside your Travel Insurance documents and check both are valid before you travel.
How our Travel Insurance for over 65s works: A simple 3 step quote process
Getting Over 65s Travel Insurance is made easy with AllClear. Simply complete our quick 3-step screening process to get 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
Next, you need to declare any medical conditions you have and any medications you or your travel companions are taking.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You will then get your quote(s) and can either proceed to buy or save your quote at this stage.
Making a claim on your over 65s Travel Insurance
Steps to take:
- Get help with a medical emergency: Contact our 24/7 emergency assistance team as soon as possible if you need hospital treatment or help getting home for medical reasons
- Report what’s happened: Tell your airline about delayed baggage or cancelled flights, and report stolen belongings to the local police. Ask for a written report or reference number
- Keep supporting evidence: Save receipts, medical reports, booking confirmations and any correspondence. These can help explain what happened and the costs involved
- Check before making arrangements: For non-emergency costs, check your policy and contact the relevant assistance or claims team if you’re unsure what to do
- Submit your claim: Follow the instructions in your policy documents, check any reporting deadlines and include the evidence requested
Things to avoid:
- Arranging medical repatriation yourself: Speak to the emergency assistance team before booking transport home for medical reasons
- Discarding damaged items: Keep them until the claims team confirms whether they’re needed as evidence
- Assuming documents will arrive automatically: Request reports and written confirmation at the time
- Travelling against medical advice: This could affect your cover
Visit our claims page to find the right contact details and start your claim. Your policy documents explain the cover limits, excesses and exclusions that apply.
Your pre-travel checklist for over 65s
Before you buy your Travel Insurance
Have your medical details ready: Make a note of your conditions, prescribed medication and recent treatment so you can answer the screening questions accurately
Declare upcoming investigations or treatment: Answer questions about appointments, tests and procedures fully, following the timeframes requested
Confirm your trip details: Check your destinations and travel dates, including any stopovers
Consider optional cover: Check whether your activities and belongings need additional protection, such as Cruise, Gadget or Golf Cover
Compare cover with your holiday costs: Check that the cancellation limit is enough for each traveller’s prepaid costs
Before you travel
Check your passport: Make sure it meets your destination’s entry requirements
Plan your medication supply: Pack enough for your trip and possible delays. Keep essential medication in your hand luggage, in its original packaging
Check medication rules: Find out whether your destination requires a prescription, doctor’s letter or other documentation
Save your emergency contacts: Keep your policy details and 24/7 emergency assistance number somewhere easy to access
Share your plans: Give a trusted contact your itinerary and policy details
Check destination guidance: Read the latest FCDO travel advice, including entry requirements
Take your GHIC: Check it is valid and accepted at your destination. It does not replace Travel Insurance
You’re never alone: 24/7 medical emergency helpline
Travel emergencies don’t follow office hours. That’s why our 24/7 medical emergency helpline is staffed by English-speaking specialists based in the UK, 365 days a year.
One phone call connects you to our medical assistance team who can liaise directly with hospitals, arrange payment for treatment, and organise repatriation to the UK if needed.
This service is included with all our policies at no extra cost. When you’re facing a medical emergency abroad, you’ll have expert support to guide you through every step, removing the stress so you can focus on getting better.
Over 65s Travel Insurance advice and expert tips
- Which medical conditions affect Travel Insurance?
- GHIC Travel Insurance guide
- Can you fly with high blood pressure?
- Which countries require travel insurance?
- What is medical screening for travel insurance?
Stay up to date and explore helpful tips and insights on our blog.
Tips from our experts on travelling when over 65
If you are over 65 and travelling with medical conditions…
“Always pack your medications, medical supplies, and any necessary medical devices in your carry-on luggage. Never check these items, as checked luggage can be delayed or lost. If your medications require refrigeration (such as some injectable cancer treatments), bring a portable cooler with ice packs, and coordinate with the airline about in-flight storage options.”
Dr Anisha Patel – NHS General Practitioner and Media Doctor
What our customers say
Finding Travel Insurance can become more difficult after 65, but we believe your age shouldn’t limit your options. We’ve specialised in cover for older travellers and people with medical conditions for more than 25 years.
It’s why 98% of our customers rate us ‘Excellent’ or ‘Great’¹.
Easy website good prices
“Very simple process, the website was simple and easy to use. The prices for the over 65 were reasonable and included good cover in all areas.”
Over 65s Travel Insurance FAQs
You might notice a small increase in price after turning 65, and that’s mainly because insurers see a higher chance of claims as we get older. But it’s not just about age. Your destination, trip length, and any medical conditions also play a big part. The good news? With AllClear, you can still get comprehensive cover that’s tailored to you, at a price that makes sense.
It really depends on your plans. If you’ve got one holiday booked this year, our Single Trip Travel Insurance is a great fit. But if you’re planning to travel more than once, it might be worth going for Annual Multi-Trip Travel Insurance. It’s more convenient and could save you money in the long run.
All our policies have no upper age limit and include Covid cover as standard, so you can travel with added peace of mind.
You can also tailor your policy with optional extras like:
- Travelling companion cover so your travel buddy can stay with you if anything unexpected happens.
- Waiting list cover is ideal if you’re awaiting treatment and want to safeguard your plans in case you need to cancel or cut your trip short.
- Golf cover protects your clubs and green fees while you play.
- Gadget cover protects your most important items for up to up to £3,000.
- Excess waiver means you won’t pay anything if you need to claim.
How often you can travel will depend on the type of policy you have:
- If you’ve got our Single Trip Insurance, it will cover a one-off trip for up to 365 days.
- With our Annual Multi-Trip Travel Insurance, you can take multiple trips within a year⇞, with each trip lasting up to 45 days as standard.
You may be able to extend this to 50 or 55 days per trip, depending on your policy level, unless you’re aged 71 or over and travelling to the USA, Canada, Mexico or the Caribbean, where the maximum trip length is 35 days and extensions are not available.
Keep in mind that the total time abroad across all your trips in a year is limited to 183 days under an Annual Multi-trip policy.
If anything changes with your health after you’ve bought your policy, it’s really important to let us know. You can update your details quickly online or by calling our UK-based Customer Care Team on 01708 339026.
Keeping your policy up to date ensures you’re fully protected when you travel, and that any claims related to new conditions are valid.
Yes, it’s essential to declare all your medical conditions when buying Travel Insurance. That way, we can make sure you’re properly covered if anything happens while you’re away.
If you don’t tell us about a condition and need to make a related claim, your policy might not cover it. You could end up having to pay the costs yourself. It’s always better to be upfront so you can travel with confidence.
No, your age does not affect how long you can travel on our Travel Insurance policies.
The length of stay is only dictated by the policy you’ve chosen:
- Single Trip Travel Insurance covers you for one trip that is up to 365 days long.
- Annual Multi-Trip Travel Insurance covers multiple trips in a year, with each trip lasting up to 45 days as standard. You may be able to extend this to 50 or 55 days, depending on your policy level.
However, if you’re aged 71 or over and travelling to the USA, Canada, Mexico or the Caribbean, your maximum trip length is 35 days, and the extension option is not available.
Also, the total amount of time you can spend abroad on an Annual Multi-trip policy is capped at 183 days per year.
Yes, you can still take out Over 65s Travel Insurance even if you’re on a medical waiting list. We recommend getting Waiting List Cover as an optional extra when buying your policy.
This optional extra gives you peace of mind, so if your treatment date changes and you need to cancel or cut your trip short, you’ll be protected.
Yes, you can add more people to your Travel Insurance policy, no matter their age. As part of our Group Travel Insurance, we can insure between two to ten people on a single policy. There’s no age limit, but we do need to know if anyone in the group has pre-existing medical conditions.
If you’ve already got a policy that you want to add people to, simply chat with us online or call us on 01708 339026.
We believe that your age shouldn’t limit how often you can travel. With our Travel Insurance for over 65s, you’re able to travel as often as you want if you’ve got Annual Multi-Trip Travel Insurance. This covers you for multiple trips throughout the year, as long as each trip isn’t longer than 31 consecutive days.
AllClear Travel Insurance is tailored for older people who are travelling with medical conditions and is underwritten by Zurich.
Our optional waiting list cover is available as an add-om
Even if you have declared all your conditions you may be waiting for treatment or further investigation. If this appointment comes up, either before or during the dates for your trip, you may need to cancel or cut short your trip.
With this add on, you have cover for cancellation or cutting your trip short that may occur as a result.
This specialist optional add-on is designed specifically for the realities of NHS waiting times.
Please note: Waiting list cover is not available for Annual-multi trip policies.
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 230,000+ Trustpilot responses, as of July 2026.
