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What is over 70s Travel Insurance?
Travel Insurance for over 70s is designed to meet the needs of older travellers, particularly those living with pre-existing medical conditions such as heart disease, cancer or diabetes. As we age, the risks associated with travelling can increase, making comprehensive cover even more important.
At AllClear, the UK’s most trusted Travel Insurance company¹, we’ve specialised in Travel Insurance for medical conditions since 2000 and can consider more than 1,300 conditions. With up to unlimited emergency medical expenses and repatriation cover, plus access to a 24/7 emergency assistance team, you can travel knowing support is available if you need it.
Why do over 70s need Travel Insurance?
If you become ill or injured abroad, the cost of treatment – and getting home if you cannot travel as planned – can add up quickly. Recent figures show why it’s worth checking your cover before you go:
- Medical expenses accounted for 34% of Travel Insurance claims in 2024, according to the Association of British Insurers (ABI)
- The FCDO estimates that hospital treatment for an infection in the USA, potentially including medical evacuation or repatriation, could cost £150,000 or more without insurance
- One insurer paid more than £1 million for emergency hospital treatment in the USA and repatriation to the UK, according to the ABI
Before you travel, check that your policy covers your destination, the full length of your trip and any pre-existing medical conditions. That way, you’ll know what support is available if something unexpected happens.
Why choose AllClear for over 70s Travel Insurance?
We believe your age shouldn’t hold you back from travelling. While some providers cap their policies at 70 or 80, AllClear has no upper age limit.
Your plans may take you somewhere new, back to a favourite place or away with the people you love. The right Travel Insurance can help you enjoy those trips knowing support is available if something goes wrong.
Medical care abroad can be expensive. According to the UK Government, treating an infection in a US hospital, potentially including medical evacuation or repatriation, could cost £150,000 or more without insurance. Appropriate cover can help with unexpected medical costs and getting you home if medically necessary.
When you choose AllClear, you’ll also benefit from:
Specialist medical cover: We can consider more than 1,300 pre-existing medical conditions
24/7 medical assistance: Call our emergency helpline if you need help while abroad
Up to unlimited medical cover: Available for emergency costs and repatriation on selected policies
Which? Best Buys: Gold, Gold Plus and Platinum were all recognised in 2026
Trusted by customers: 98% rated their AllClear experience ‘Excellent’ or ‘Great’³
Decades of experience: We’ve helped cover more than 3.5 million people travel with confidence
What does AllClear’s Travel Insurance for over 70s cover?
The cover you need depends on your trip, your health and what you’ve paid for your holiday. With AllClear, you can choose protection for unexpected events such as emergency medical treatment abroad, a medically necessary journey home, cancellation and lost baggage.
If you have a pre-existing medical condition, tell us when you get a quote so we can consider it as part of your cover. The benefits and limits will depend on the policy you choose.
Read your Policy Wording to check exactly what’s included and any exclusions that apply.
What’s covered?
- Emergency Medical expenses – We can cover emergency medical treatment you need while travelling, including pre-existing medical conditions you’ve declared
- Medical aids – We will protect your essential medical equipment and accessories from loss or damage
- Medication – We’ll help you get a replacement for your vital prescription medication if you lose it during your trip.
- Repatriation – Covers the cost of emergency medical transport back to the UK
- Lost luggage – We will pay out if your baggage is stolen or damaged, so you can replace your important items.
- 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
What’s not covered?
- Undeclared medical conditions – You need to declare all medical conditions as defined in the medical warranty.
- High-risk activities – These are not covered by our standard policy, but you can add Optional Extras for some activities if you want to
- Accidents under the influence of drugs or alcohol – If you have an accident because of drugs or alcohol, your claim won’t be covered
- Missed flights within your control – We understand that sometimes things go wrong, but we can’t cover missed flights that were under your control
- Choosing not to travel – We know that plans change from time to time, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details
Choose the right Travel Insurance for over 70s
Start with the trip you’re planning. Check that your policy covers every destination and the full time you’ll be away – particularly if you’re taking a longer trip or choosing Annual Multi-Trip cover.
Next, declare any pre-existing medical conditions and compare the emergency medical, repatriation and cancellation limits. Think about the cost of your holiday, your policy excess and whether you need extras such as Cruise Cover.
Before you buy, read the Policy Wording, so you know which benefits apply and what’s excluded.
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.
What should you compare when choosing over 70s Travel Insurance?
The right policy depends on your health, destination and plans. Compare more than the price – check what each policy covers, its limits and what you would need to pay if you claimed.
- Compare emergency medical and repatriation cover: Check the medical expenses limit and whether medically necessary transport home is covered. Treatment and repatriation costs vary by destination
- Declare your pre-existing medical conditions: Answer the insurer’s medical questions accurately, then check which conditions are covered following screening and whether any exclusions apply
- Check age and trip-length limits: Make sure the policy covers your age and your whole trip. For annual policies, check the maximum length of each trip and any age-related restrictions
- Match cancellation cover to your holiday costs: Check that the limit covers your prepaid, non-refundable costs. Review the reasons you can claim for cancellation or cutting your trip short, and whether limits apply per person or per policy
- Include every destination: Check that cover applies to every country on your itinerary, including stopovers and transit points
- Check cover for cruises and activities: Confirm whether your cruise and planned activities are included, need additional cover or are excluded. Check any activity-specific restrictions
- Compare the excess alongside the price: Check how much you would pay towards a claim and whether the excess applies per person, per claim or per policy section. Weigh this against the premium and cover limits
- Review baggage and valuables limits: Compare the total baggage limit and the maximum payable for individual items and valuables. Check exclusions and security requirements that could affect a claim
- Check emergency assistance and claims support: Find out whether emergency assistance is available 24/7, how to contact it from abroad and when you must seek approval for treatment. Check what documents you would need to make a claim
For more on what to check before buying, read the FCDO’s guidance on Travel Insurance.
How much does Travel Insurance for over 70s cost?
There isn’t one standard price for over 70s Travel Insurance. Your quote reflects your circumstances and the trip you’re taking, so two people of the same age could pay different amounts.
The main factors are:
Your age and medical history: Declared conditions and the information provided during medical screening can affect your quote
Where you’re going: Healthcare costs vary by destination, so cover for Europe may be priced differently from cover for the USA
How long and how often you travel: A longer trip can cost more to insure. If you have several holidays planned, compare Single Trip and Annual Multi-Trip quotes
The cover you choose: Medical, cancellation and baggage limits differ between policies. Optional extras, such as Cruise Cover, may add to the cost
Your excess: Check how much you would need to pay towards a claim as well as the premium
To find out what cover will cost for your trip, get a personalised quote using your travel details and complete the medical screening accurately. Then compare the price alongside the benefits, limits and excesses – the cheapest option may not provide the cover you need.
How long can you travel with over 70s Travel Insurance?
How long you can travel with our over 70s Travel Insurance depends on your age, destination and whether you choose Single Trip or Annual Multi-Trip Travel Insurance.
Use the table below to quickly compare the maximum trip duration available for your age.
| Age | Single Trip Regions 1 & 2 |
Single Trip Region 3 |
Single Trip Region 4 |
Annual Multi-Trip USA, Canada, Mexico & Caribbean |
Annual Multi-Trip Other destinations |
|---|---|---|---|---|---|
| 66–70 | 366 days | 276 days | 184 days | 45 days | 45 days |
| 71–75 | 366 days | 184 days | 123 days | 35 days | 45 days |
| 76+ | 104 days | 104 days | 104 days | 35 days | 45 days |
Planning a longer holiday? Check your chosen destination and trip length when getting your quote to make sure your policy provides the cover you need for your whole trip.
For full details, including which countries are included in each region, please check your Policy Wording.
Travel Insurance for over 70s with medical conditions
Travelling in your 70s can sometimes mean managing one or more pre-existing medical conditions. That shouldn’t stop you from enjoying your trip.
At AllClear, we specialise in Travel Insurance for people with pre-existing medical conditions. When getting a quote, you’ll need to declare your medical conditions so we can help you find suitable cover for your trip.
We can provide cover for over 1,300 pre-existing medical conditions, including:
Heart and circulatory conditions – Tell us about heart conditions, high blood pressure or a previous stroke when you get a quote
Respiratory conditions – We can consider asthma and COPD, including conditions you manage with regular medication
Digestive and metabolic conditions – Our medical screening takes account of conditions such as Crohn’s disease and diabetes
Other conditions – We can also consider cancer, epilepsy and arthritis when looking at the cover available for your trip
Should you declare your pre-existing medical conditions?
When getting a quote for Travel Insurance with a medical condition, you need to declare all medical conditions that fall within the medical warranty. If you don’t provide full and accurate information, your cover could be invalid and any claim may be rejected.
When you go through the medical screening, you’ll be asked questions about the medical conditions you declare, to accurately determine what cover you need.
Medical screening look-back period: You’ll need to declare if, in 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.
Dr Shani Dhanda: What should you check before booking accommodation?
“Think about your hotel room carefully. It might not just be a place to sleep; it could be where you need to rest and recover. Consider whether the room is spacious enough for mobility aids, quiet for rest, and has amenities like room service or a TV to make your stay more comfortable. Confirm there are enough plugs for your devices and mobility aids. A comfortable room can significantly improve your holiday, especially if you need to spend extra time resting.”
Dr Shani Dhanda – Disability Inclusion & Accessibility Consultant
Find the best over 70s Travel Insurance for your trip
AllClear offers many types of Travel Insurance so you can choose one that’s right for your trip.
Examples include:
- Single Trip Travel Insurance offers full protection extending for up to 45 days, ensuring peace of mind throughout your journey.
- Annual Multi-Trip Travel Insurance covers you if you’re planning on taking two or more holidays over 12 months. It may also be more cost-effective than buying Single Trip Travel Insurance for each holiday.
- Group Travel Insurance covers between two to ten travellers. This makes it a fantastic option if you’re travelling with friends and family.
Countries covered by over 70s Travel Insurance
We provide over 70s Travel Insurance for every destination. However, the region of cover you need will depend on where you’re heading.
Here’s what we cover:
- UK Travel Insurance provides cover for your UK trips for baggage and cancellation. However, we do not cover medical treatment in the UK
- European Travel Insurance will cover you on trips to European countries, including Spain, France, Italy, Portugal and Greece
- Worldwide Travel Insurance provides essential cover across the globe. You can also choose whether to exclude the USA, Canada and the Caribbean
What optional extras can you add to over 70s holiday insurance?
You can tailor your over 70s Travel Insurance with optional extras to suit your trip and the activities you have planned. These can include:
-
Cruise Cover – Cruise Travel Insurance provides essential protection for all aspects of your cruise. This includes onboard medical emergencies, cancellations, cabin confinement, and lost luggage. Around 30% of UK cruise customers are over 70 years old, with a further 33% between 60 and 69 years old, so it’s crucial to have cover in place for any unexpected issues
-
Golf Cover – Looking to enjoy some sporting activities while you’re away? Our optional sports and activity cover includes pastimes like golfing. This way, you can focus on your swing without worrying about mishaps or equipment damage
-
Gadget Cover – We also offer cover for your electronics, including smartphones, tablets, and laptops, so you can travel knowing your valuable tech is protected
-
Excess Waiver – Add this option to remove the standard policy excess where it applies, subject to the terms of your policy
- Natural Disaster cover – Add extra protection for certain travel disruption caused by a natural disaster, including additional delayed departure benefits
Do you need Travel Insurance if you have a GHIC card?
Yes, you will still need Over 70s Travel Insurance even if you have a GHIC.
A Global Health Insurance Card (GHIC) for European travel gives you access to state-provided healthcare in the EU in a medical emergency.
You can apply for a GHIC for free on the NHS website.
However, the GHIC is not a substitute for Travel Insurance. It will not cover you for repatriation back to the UK if you are ill or injured. It will also not cover complications relating to a pre-existing medical condition. GHIC will also not cover you for lost luggage, passports, documents, travel delays or personal liability.
How our Travel Insurance works: A simple 3 step quote process
You’ll 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. 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.
What to do if you need to make a claim while travelling in your 70s?
Do:
- Check your destination: Read the latest FCDO travel advice before you go
- Declare your medical conditions: Include every condition that falls within the medical warranty during screening
- Contact us if you need medical help abroad: Call our 24/7 English-speaking medical assistance team as soon as you can. In an emergency, seek urgent care first
- Keep your evidence: Save receipts and obtain a police report if any belongings are stolen
- Follow your treatment plan: Continue any care prescribed by your UK doctor while you’re away
Don’t:
- Assume a minor condition doesn’t count: Check the medical warranty and declare any condition that meets its requirements
- Delay contacting us: Call our medical assistance team as soon as you can if you need emergency help abroad
- Travel against medical advice: Check that you’re fit to travel before you leave
- Arrange your own journey home for medical reasons: Speak to our assistance team first so they can advise on the next steps
- Discard documents related to your claim: Keep medical reports, booking details and proof of any costs you’ve paid
- Wait until you’re home to report a problem: Check your policy’s claim requirements and contact us within the relevant time limit
Pre-travel checklist for over 70s
Before buying your policy
Prepare your medical details: Make a note of any conditions that meet the medical warranty, along with relevant treatment, consultations and medication. You won’t need to know the names of your medicines
Check your trip details: Have your destinations and travel dates to hand, if known. Include every country you plan to visit and check that your policy covers the full length of your trip
Think about what needs protecting: Consider what you’ve paid for your holiday when comparing cancellation cover, medical limits and policy excesses
Plan for your activities: Check whether you need additional cover for a cruise, winter sports or anything else you expect to do while away
Choose the right type of policy: If you have several trips planned, compare Single Trip and Annual Multi-Trip cover to see which suits your travel plans
Before you travel
Keep your emergency details handy: Save AllClear’s 24/7 assistance number and your policy number in your phone, and carry a paper copy in case your phone is lost or runs out of charge
Prepare your medical information: If it would be helpful, ask your GP for a letter outlining your conditions and prescribed medication. Keep it with your travel documents
Plan your medication: Pack enough for your trip, plus a little extra in case of delays. Keep essential medication in your hand luggage rather than checked baggage
Check your GHIC: If you’re travelling to a country where it can be used, make sure your card is valid. A GHIC does not replace Travel Insurance or cover repatriation
Review your policy: Check your travel dates, destinations, declared conditions and any optional cover before you leave. Make sure you know how to contact us if you need help abroad
Essential documents to carry
Travel Insurance details: Keep your policy certificate or schedule, policy number and 24/7 emergency assistance number somewhere you can access without your phone
Passport and entry documents: Check the entry requirements for every destination, including passport validity and any visa requirements. The rules vary by country, so six months’ validity isn’t a universal requirement
Global Health Insurance Card (GHIC): Bring a valid card if it can be used where you’re travelling. Check which countries accept your card; it does not replace Travel Insurance or cover repatriation
Medical information: Carry a list of your conditions and prescribed medication, especially if someone may need to help you in an emergency
Equipment or medication letters: If you travel with specialist medical equipment or medication that needs supporting documents, check the requirements for your destination and carry the relevant letter
Q: What are your top tips for flying when over 70, especially if you have any mobility issues?
A: “Double-check your seating arrangements. If you need extra legroom, a seat near the restroom, or space for your mobility aid, confirm these details with the airline well in advance. Accessible seats are often limited, so securing one early will help ensure you’re as comfortable as possible during the flight. These simple steps can make a big difference in your overall comfort and ease while travelling.”
Dr Shani Dhanda – Disability Inclusion & Accessibility Consultant
Ways to save on over 70s holiday insurance
The price of Travel Insurance can vary depending on factors such as your destination, trip length, age and medical conditions. While price matters, the cheapest policy won’t always offer the right level of cover for your needs.
There are a few things worth considering when getting your quote:
- Think about how often you’ll travel – Planning more than one holiday this year? Compare Single Trip and Annual Multi-Trip Travel Insurance to see which option works best for your plans
- Match your cover to your destination – Choose the geographical region you actually need rather than paying for destinations you don’t plan to visit
- Review your policy options – Compare the benefits, limits and excesses available across our Gold, Gold Plus and Platinum policies, rather than making your decision on price alone
- Tailor your policy to your holiday – Optional extras can provide useful additional protection, but you only need to select those relevant to your plans
- Be accurate during medical screening – Declare the medical conditions that meet our screening requirements. Giving us complete and accurate information helps ensure the cover offered is appropriate for you
- Get a quote for your actual trip – Your individual circumstances affect the price, so getting a personalised quote is the best way to understand your options
24/7 medical assistance while you’re abroad
If you have a medical emergency while you’re away, help is available 24 hours a day.
AllClear Travel Insurance includes access to 24/7 medical assistance, giving you support when you need medical help abroad. Depending on your policy and circumstances, your Travel Insurance can also provide cover for emergency medical expenses and repatriation.
Keep your policy and emergency assistance details with you while travelling so you know who to contact if you need help.
Michael and Diane’s story
Michael and Diane Shakespeare are in their 70s and love travelling around Europe. During a trip to Holland, Michael suffered a serious head injury after falling down hotel stairs, requiring intensive care and several days in hospital.
Following his accident, Michael said: “AllClear has been extremely helpful from start to finish, providing advice and support when we needed it most.”
What our customers say
Excellent service
“Excellent service provided by Jay on the phone. He handled my call with clarity and sensitivity to my pre-existing medical conditions. Jay explained the range of products to find the one that best suited my needs. Following our conversation, all the documents arrived proptly by email. I feel confident in the product I bought. I have no hesitation in recommending you give AllClear a call if you have pre-existing medical conditions, or are over 70 years old.”
Over 70s Travel Insurance FAQs
AllClear Travel Insurance cover has no upper age limit. This means any traveller, regardless of their age, can buy a specialist policy.
Yes, it’s essential to declare all pre-existing medical conditions, even those that seem minor or are well-managed with medication. If a condition isn’t disclosed and you need treatment for it abroad, your policy may not cover the costs.
For example, needing an air ambulance back to the UK from the USA could cost between £80,000 and £100,000. That’s a hefty bill to face without the right cover.
Being upfront during the medical screening ensures your policy is accurate and valid, giving you full protection throughout your journey.
Financial expert Martin Lewis firmly believes that you should arrange Travel Insurance “ASAB” – “As Soon As you Book” to avoid being out of pocket if a medical condition forces them to cancel a trip.
You can buy your over 70s Travel Insurance before or after you’ve booked your trip, but it must be before you travel. Additionally, our Single Trip Travel Insurance policies can be bought 12 months before your holiday. As soon as you have secured your policy, the cover begins immediately if you have included the cancellation cover.
Alternatively, our Annual Multi-trip Travel Insurance can be bought up to 31 days before your first trip.
It’s not just your age and medical history that can influence the cost of your over 70s Travel Insurance. A range of other factors also play a part, so it’s important to understand what affects your premium when choosing the right policy.
Here’s what can impact the price:
- Your age and medical history – The older you are and the more medical conditions you declare, the higher the likelihood of needing to claim, which can affect your premium.
- Trip duration and destination – Longer holidays and travel to countries with expensive healthcare (like the USA or Caribbean) usually increase the cost.
- Planned activities – If you’re going skiing, golfing, or on a cruise, you may need extra protection that adds to your premium.
- Personal belongings – Taking high-value items? Adding Gadget Cover or higher baggage protection may slightly raise the cost.
- Optional extras – Features like Waiting List Cover or Excess Waiver offer added peace of mind but come at an additional cost.
Yes, absolutely. You can add people of any age to your over 70s Travel Insurance policy, even if they’re under 70.
Whether you’re travelling with a partner, family member or friend, it’s simple to add them to your policy. Just ask about our Group Travel Insurance or chat with a member of our friendly UK-based team, who’ll guide you through the process.
If you run out of prescription medication because you were unable to return home as planned, we’ll cover the costs of additional medication. If you lose your medication while away,
we’ll cover the cost of replacing it.
Your excess is the first amount you pay towards any claim. For example, if you have a £75 excess and make a £200 claim, we’ll pay £125. Higher excesses typically mean lower premiums, giving you more control over your costs.
If you need to cancel due to an unexpected medical emergency or injury (to you or a close relative), your cancellation cover may be able to cover your costs. This is why it’s important to buy your policy as soon as you book your trip.
AllClear Travel Insurance has no upper age limit, but age limits, exclusions and cover requirements can vary depending on the activity. Some activities are covered as standard, while others may require an optional upgrade.
Check your Policy Wording before taking part to make sure your chosen activity is covered, particularly if it involves specialist equipment or a higher level of risk.
You can get cruise cover with AllClear at any age. Cruise Cover can be added to a Gold Plus policy and is included as standard with Platinum Travel Insurance.
This provides protection for cruise-specific events such as cabin confinement, missed port departures, itinerary changes and unused excursions. Standard Travel Insurance without Cruise Cover does not cover cruise holidays, including river cruises. You’ll also need to declare every country your cruise visits, even if you don’t plan to leave the ship.
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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 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.
1 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 75,000 reviews as of July 2026.
2 Based on 230,000+ Trustpilot responses, as of July 2026.
