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What is Travel Insurance for over 75s?
Travel Insurance for over 75s is designed to protect you against unexpected costs while you’re abroad, from medical emergencies and hospital treatment to lost luggage and cancelled trips.
Our policies have no upper age limit, and we can cover more than 1,300 pre-existing medical conditions. Depending on the policy you choose, you could also get up to unlimited cover for medical expenses and repatriation.
Why do over 75s need Travel Insurance?
The likelihood of needing medical care can increase as we get older, and treatment abroad can be expensive. For example:
- In 2023, we paid more than £33,000 to cover the medical costs of a 75-year-old who contracted Bronchopneumonia in Turkey.
- A fall in Spain, resulting in a broken hip, would cost £15,000, including getting home.
- The NHS estimates a third of all people over 65 will have at least one fall a year.
Without the right Travel Insurance, you may have to pay medical and repatriation costs yourself. With AllClear, you’ll get specialist cover and support from a team that understands your needs.
If you’re looking for Travel Insurance for over 75s, more than 99%+ of our customers are offered cover1. Our policies come with up to unlimited cover for medical expenses and repatriation, meaning you’re free to relax and enjoy your trip.
Why choose AllClear for over 75s Travel Insurance?
Your age shouldn’t limit where you can go. AllClear has no upper age limit and specialises in covering older travellers, including people with pre-existing medical conditions.
The right cover matters because medical treatment abroad can be expensive. According to the UK Government, treating a stomach bug or infection in a US hospital – potentially including medical evacuation or repatriation – could cost more than £150,000 without Travel Insurance.
When you choose AllClear, you can also benefit from:
Specialist medical cover: We can cover more than 1,300 pre-existing medical conditions
24/7 medical assistance: Access our medical emergency helpline at any time while you’re abroad
Up to unlimited medical cover: Available with selected policies, including medically necessary repatriation
Which? Best Buy: Gold, Gold Plus and Platinum were named Which? Best Buys in 2026
Trusted by customers: 98% of customers rated their experience with AllClear as ‘Excellent’ or ‘Great’³
Decades of experience: We’ve helped cover more than 3.5 million travellers on trips around the world
What does AllClear’s Travel Insurance for over 75s cover?
Travel Insurance for over 75s can protect you when your trip doesn’t go to plan. Depending on the policy you choose, it can cover medical emergencies abroad, cancelled or shortened trips², and lost or stolen luggage.
With AllClear, you can declare your medical conditions and choose cover that reflects your health needs. We can cover more than 1,300 pre-existing medical conditions, so you can focus on enjoying your trip.
Always check your Policy Wording for full details of your cover, limits and exclusions.
What’s covered?
- Medical cover – AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- Cancellation and cutting your trip short² – 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 departures – We’ll compensate you for the time if your flight is delayed. 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 believe Travel Insurance should be available to as many people as possible; that’s why our Travel Insurance 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 75s Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy anytime
- 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 give you the right cover. This is especially vital for senior travellers and those with long-term illnesses
Choose the right Travel Insurance for over 75s
The right Travel Insurance should reflect your trip, medical needs and budget. Take time to compare your options and consider the level of protection you may need while you’re away.
Price is important, but the cheapest policy may not provide the right cover if something goes wrong. Look at the medical and cancellation cover limits, policy excesses, benefits and optional extras before making your choice.
Always read the Policy Wording for full details of what is and isn’t covered.
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 long can I travel for with over 75s Travel Insurance?
How long you can travel for depends on whether you choose Single Trip or Annual Multi-Trip Travel Insurance and where you’re travelling.
| Policy type | Destination | Maximum trip length |
|---|---|---|
| Single Trip | Regions 1, 2, 3 & 4 | Up to 104 days |
| Annual Multi-Trip | USA, Canada, Mexico & Caribbean | Up to 35 days per trip |
| Annual Multi-Trip | Other destinations | Up to 45 days per trip |
With Annual Multi-Trip Travel Insurance, you can take multiple trips during the policy year, up to a combined maximum of 183 days.
Travel Insurance for over 75s with medical conditions
In the UK, around 15 million people live with a pre-existing medical condition. Having a pre-existing condition shouldn’t be a barrier to travel, which is why we cover more than 1,300 medical conditions, including terminal conditions.
We can cover all medical conditions, including:
Chronic conditions — These are conditions which can have long-term health impacts on health. We cover cancer, Crohn’s disease, diabetes and disabilities.
Musculoskeletal conditions — Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis.
Heart conditions — We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation.
We’re here to support you if you or anyone named on your policy has a medical emergency while you’re away, including emergencies relating to declared pre-existing medical conditions. Our medical emergency assistance line is available 24/7.
Should you declare your pre-existing medical conditions?
Yes. You’ll need to declare any conditions that meet our medical screening requirements when getting your quote. This helps us understand your circumstances and offer appropriate cover.
We may ask:
- When were you diagnosed?
- Do you take medication?
- When did you last receive hospital treatment?
You’ll need to declare any prescribed medication, medical treatment or advice received in the past two years. You must also tell us about certain other circumstances, including waiting-list referrals, palliative care or a terminal diagnosis.
Please provide complete and accurate information. Otherwise, your cover could be invalid and a future claim may be rejected.
Find the best Travel Insurance for over 75s for your trip
No two holidays are the same. This is why we tailor our policies to your trip.
- Single Trip Travel Insurance: Only heading abroad once this year? Single Trip Travel Insurance covers you for a single trip of up to 365 consecutive days.
- Annual Worldwide Travel Insurance: If you’re planning a few shorter trips over a year, choosing an Annual Travel Insurance policy could save you time and money. With AllClear, you can choose between two options: cover anywhere in the world, including the USA, Mexico, Canada, and the Caribbean, or cover anywhere in the world excluding those destinations.
- Group Travel Insurance: Travelling with family or friends? You can cover between two and ten people under one policy, even if they are different ages or have different medical conditions.
Countries covered by over 75s Travel Insurance
Our over 75s Travel Insurance can cover trips to destinations around the world. The region of cover you’ll need will depend on where you’re travelling.
Here’s what we cover:
- UK Travel Insurance – Provides cover for UK trips, including benefits such as baggage and cancellation. Medical treatment within the UK isn’t covered
- European Travel Insurance – Travel with cover to popular European destinations including Spain, France, Italy, Portugal and Greece
- Worldwide Travel Insurance – Provides cover for destinations further afield. You can choose worldwide cover that includes or excludes destinations such as the USA, Canada and the Caribbean
What optional extras are available with over 75s holiday insurance?
Every holiday is different, so you can tailor your over 75s Travel Insurance with optional extras that better match your plans. Depending on the policy you choose, these can include:
- Cruise Cover – Planning a cruise? Add protection for cruise-specific risks, including cabin confinement and other eligible events while you’re at sea
- Golf Cover – Give your golf equipment and planned golfing activities additional protection while you’re away
- Gadget Cover – Add protection for eligible devices you take on holiday, such as your smartphone, tablet or laptop
- Excess Waiver – Choose this option to remove the standard excess where applicable, subject to your policy terms
- Natural Disaster cover – Get additional protection for certain disruption caused by a natural disaster, including eligible extended delayed departure costs
Optional extras, availability and benefits can vary depending on the policy you choose. Check your Policy Wording for full limits, terms and exclusions.
Do you need Travel Insurance if you have a GHIC?
Yes. If you’re travelling to Europe, you should still consider over 75s Travel Insurance even if you have a valid Global Health Insurance Card (GHIC).
A GHIC gives you access to necessary state healthcare in participating countries on the same basis as local residents. It can be useful if you need medical treatment during your trip, but it doesn’t provide the same protection as Travel Insurance.
For example, a GHIC won’t provide cover for:
- Repatriation to the UK if you need to be brought home for medical reasons
- Cancellation or cutting your trip short
- Lost or stolen baggage and personal belongings
- Travel delays and other insured travel-related events
You can apply for a GHIC free through the NHS, and it’s worth taking one with you alongside suitable Travel Insurance when travelling to eligible destinations.
A GHIC complements your Travel Insurance – it doesn’t replace it.
How to get Travel Insurance for over 75s: A simple 3 step quote process
Getting a quote for Travel Insurance for Over 75s couldn’t be simpler. 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
You must declare any medical conditions you have and any medications you and your travel companions are taking here. Our expert teams are trained to handle this with care – we’ll always be empathetic, sensitive and supportive. This way, we can provide the cover that best suits your needs.
We’ll ask:
- In the last 2 years, has anyone to be insured on this policy: taken any prescribed medication, or
received medical treatment or advice at a hospital, clinic, GP surgery - Has anyone to be insured on this policy been put on a waiting list that could cause you to cancel or cut short your trip?
3. Get your quote
You can either proceed to buy or save your quote at this stage.
Our experts say…
“Travel Insurance is especially important when you’re over 75. Unexpected medical treatment abroad can be expensive, particularly if you need hospital care or repatriation. Having the right cover in place means you can travel with confidence, knowing you have support if a medical emergency happens.”
What should you do if you need to make a claim while travelling over 75?
Knowing what to do before and during your trip can make things easier if you need to make a claim on your over 75s holiday insurance.
Do:
- Check the latest FCDO travel advice for your destination before you go
- Declare all pre-existing medical conditions that meet our medical screening requirements and tell us about relevant changes to your health
- Contact our 24/7 medical assistance team if you have a medical emergency abroad
- Keep receipts and other evidence relating to your claim, including police reports for stolen belongings
- Follow the advice and treatment plans given to you by your medical practitioner
Don’t:
- Leave out a medical condition because you think it isn’t important
- Wait to seek help if you need emergency medical treatment while you’re away
- Continue to travel if you’ve been advised that you’re not fit to do so
- Throw away receipts or documents you may need to support a claim
If you don’t provide full and accurate information about your medical circumstances, your cover could be invalid and a claim may be rejected.
Tips for over 75s travellers
A little preparation can help make travelling in your 70s safer and more straightforward. Here are our top tips to help you travel with confidence:
Before you book your holiday
Think about the length of your trip: A longer holiday may mean taking extra medication or arranging mobility support. Check that your policy covers the full trip, particularly if you’re considering Annual Multi-Trip Travel Insurance
Consider your destination: Cover for countries such as the USA and those in the Caribbean may cost more than cover for Europe, largely because of higher medical costs
Choose suitable accommodation: Look for features that will make your stay more comfortable, such as lift access, step-free entrances, air conditioning and nearby shops or amenities.
Check whether you need Cruise Cover: Standard Travel Insurance may not cover cruises. Make sure you have specialist Cruise Travel Insurance that meets your cruise operator’s requirements
Arrange cover as soon as you book: Cancellation cover on a Single Trip policy starts when you buy it. Taking out Travel Insurance early means you may be covered if you later need to cancel for an insured reason, such as illness, injury or bereavement.
Before you travel
Update your medical details: If your health changes or you begin new treatment after buying your policy, let us know before you travel. This helps ensure your cover remains suitable
Speak to your GP: They can tell you whether you’re fit to travel and advise you about any health-related preparations
Check your GHIC: If you’re travelling to Europe, make sure your card is still valid. It may provide access to some state healthcare, but it doesn’t replace Travel Insurance
Pack medication carefully: Keep it in its original, clearly labelled packaging and carry a copy of your prescription or a letter from your doctor if needed
Take important documents: Bring your insurance documents, emergency contact numbers and relevant medical information. Printed copies can be useful if you don’t use a smartphone or cannot access it
Share your plans: Leave your itinerary, accommodation details and travel dates with someone you trust at home
Staying well while you're away
Keep medication in your hand luggage: Take enough for your trip, plus a little extra in case your return is delayed
Stay hydrated and take regular breaks: Give yourself time to rest, particularly during busy sightseeing days or escorted tours
Download useful apps: Maps, translation tools and airline apps can make it easier to find your way around and keep track of travel updates
Call us in a medical emergency: If you have an AllClear policy and need urgent medical help abroad, contact our 24-hour emergency assistance team. They can help you access appropriate care
Keep important paperwork: If your luggage is lost, your journey is delayed or you become ill, keep any receipts, reports and written confirmation from your airline, hotel or medical provider. You may need them to make a claim
24/7 medical support while you’re abroad
Needing medical treatment in another country can be worrying, particularly when you don’t speak the local language or know where to go.
AllClear customers can contact our 24-hour emergency assistance team if they become seriously ill or injured while travelling. The team can help you find appropriate medical care, communicate with healthcare providers and, where covered, arrange for you to return to the UK safely.
Save the emergency number shown in your policy documents before you leave so it’s easy to find if you need it.
What our customers say
We’re the UK’s most trusted Travel Insurance company⁴, with 98% of customers rating us as ‘Excellent’ or ‘Great’³. See what our customers say about their experience with AllClear’s over 75s Travel Insurance.
Travel knowing you are covered
“Being a person over 75, I was looking for travel insurance which understood the challenges of an OAP with a few medical issues. In AllClear, I found a company which gave me the confidence I was looking for. From the point of contact, I found the process clear and easy. Yes, I had to declare my health issues, but the questions were clear, and the contact made the process easy. I completed the process by taking out an annual policy. I now have the confidence to travel, feeling I will be well looked after.”
Travel Insurance for over 75s FAQs
The cost of your Travel Insurance for Over 75s depends on key details including your age, any declared medical conditions, your destination, and how long you’re travelling for. Optional extras such as cruise cover, gadget protection or golf insurance will also affect the final price, giving you a policy tailored to your trip.
Travel Insurance for Over 75s is influenced by a number of factors, including your age, medical history, destination, and trip duration. Countries like the USA, where healthcare is costly, typically lead to higher premiums.
To help reduce the cost of your premium, you could:
- Choose a destination with lower medical costs
- Shorten the length of your trip
- Increase your excess (the amount you pay towards a claim)
However, while it’s tempting to choose the cheapest policy, always check what’s included. A lower premium may offer limited protection — for example, valuables might only be covered up to £50. If you’re travelling with gadgets, medical needs, or planning a cruise, it’s worth investing in comprehensive cover tailored to your needs.
Yes, Travel Insurance premiums typically rise once you reach age 75. As we age, the chances of needing medical treatment while abroad increase, which makes insurance more costly. This trend applies across the board, not just with specialist providers. At AllClear, we offset this by offering tailored cover with no upper age limit and options that let you customise your policy to match your needs and budget.
Absolutely. The UK Government advises all travellers to take out appropriate Travel Insurance before leaving the country. For those aged over 75, the risk of medical emergencies abroad is significantly higher, making insurance essential. Without it, you could face thousands in unexpected medical costs. Our policies provide tailored protection, giving you the confidence to travel safely at any age.
Yes, you still need Travel Insurance, even if you have a GHIC. The UK Government recommends that everyone takes out Travel Insurance before leaving the country.
While the GHIC may cover you for any unexpected medical costs, such as emergency treatment and visits to A&E or treatment for long-term or pre-existing medical conditions, it does not cover anything outside of that. For example, it will not cover the cost of transport to or from the hospital, or anything outside of medical emergencies, such as lost luggage or cancelled accommodation.
The GHIC is only valid within Europe, so if you’re travelling further afield, it will not help with medical costs.
Being over 75 doesn’t automatically prevent you from getting cover for activities while you’re away. AllClear policies cover a range of amateur sports and leisure activities, subject to the policy terms and any activity-specific conditions.
Cover varies by activity, and certain benefits may be limited based on your age. Check the Policy Wording before travelling to make sure your planned activities are covered.
Yes, AllClear can provide Cruise Travel Insurance with no upper age limit. Cruise Cover is included as standard with Platinum Travel Insurance or can be added to a Gold Plus policy for an additional premium.
Standard Travel Insurance does not cover cruise holidays, so make sure the correct cover is shown on your policy before you set sail. Cruise Cover can include protection for cabin confinement, missed port departures, itinerary changes and unused excursions, subject to the policy terms.
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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 completed quotes between March 2025 and February 2026.
2 Providing you have purchased a policy that includes cancellation cover.
3 Based on 230,000+ Trustpilot responses, as of July 2026.
4 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 75,000 reviews as of July 2026.
