Over 75s Travel
Insurance
What is Travel Insurance for Over 75s, and do you need it?
Over 75s Travel Insurance means that you are covered for medical emergencies, lost luggage or cancelled flights.
If you’re over 75, finding the right Travel Insurance policy can be more difficult. That’s why our policies have no upper age limit, and we can cover more than 1,300 pre-existing medical conditions, so you can travel with peace of mind.
Travel Insurance is essential if you’re planning a trip abroad at any age, but especially as you get older. 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.
- If you fall on holiday, it’s important to make sure your insurance covers your hospital visit.
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.
Top Travel Insurance for Over 75s with pre-existing medical conditions
In the UK, around 15 million people live with a pre-existing medical condition, and nearly two thirds (62%) of travellers live with at least two medical conditions3. 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.
If you have a pre-existing medical condition, all you need to do is declare it while getting your quote. Questions we might ask include:
- When were you diagnosed?
- Do you take any medications?
- When was the last time you needed to be admitted to the hospital for treatment?
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, among others.
- 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.
Find tht Top 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 Top Travel Cover, 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 which excludes those destinations.
- Cruise Cover: Are you heading off on a cruise? You’ll need cruise cover, which protects you against cabin confinement for any reason or missed departures.
- Gadget Cover: This is a must-have for anyone going abroad with a couple of gadgets, like a phone and a tablet. Simply add this extra to your policy when building your quote.
- Golf Cover: Get peace of mind knowing that you and your clubs are both covered, and we’ll even cover your Greens Fees if you’re rained out.
What does Over 75s Travel Insurance Cover?
Trip Cancellation
Emergency Medical Expenses
Missed Departure
Lost/Stolen Baggage
Valuables or Money
Personal Liability
Over 75s Travel Insurance With Medical Conditins FAQ's
Frequently asked questions about Travel Insurance for people Over 75
Several different factors are taken into account when calculating your insurance premium. Your age and any pre-existing medical conditions you have will affect the price. So will the country you are going to and how long you plan to be there. In addition, the premium will include any extras that you add to your policy.
Travel Insurance costs are based on various factors, including age, destination, length of trip, and medical history. Some countries, like the USA, have notoriously expensive healthcare systems, and therefore the Travel Insurance policies for these countries are higher. If you would like to reduce the cost of your Over 75s Travel Insurance, consider going to a cheaper country or shortening the length of your trip. You could also consider doubling your excess to reduce the policy premium.
If you’re considering taking out a cheap Travel Insurance policy, it’s important to look at what is covered and what is not. If you take out the cheapest policy possible and then realise it only covers your valuables up to £50, it won’t be worth much if you lose any of your gadgets.
Any Travel Insurance policy’s cost is based on various factors, including age. This is because as we get older, the likelihood of needing to claim on insurance increases — therefore making the cost higher. This is true of any Travel Insurance provider.
Yes, people over 75 should take out Travel Insurance. The UK Government recommends that anyone who leaves the country take out the required type of Travel Insurance. Being over 75 increases the risk of a medical emergency when abroad, so it’s important to have cover for any unexpected medical bills.
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.
It’s important to note that 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 are travelling further afield, it will not help with medical costs.
What does Top Travel Over 75s Travel Insurance cover?
Travel Insurance for Over 75s works like most Travel Insurance policies, meaning you’re covered for unexpected events on your holiday, like a medical emergency, cancelled accommodation, lost luggage, or even if your holiday is cancelled2.
We provide specialist medical cover for over 1,300 medical conditions, meaning you can explore the world with confidence.
What’s covered?
- Medical cover – Top Travel policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
- Cancellation and curtailment2 – 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.
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