Travel Insurance for Over 65s.

Over 65s travel insurance is available to seniors over the age of 65, who might otherwise find it difficult to get the level of cover they need for their travels. As you get older, the chances of a slip, injury or becoming ill on holiday are higher than they might have been in your younger years.

Will my travel insurance cover me if I travel against FCDO advice?

If you travel to a country or region against FCDO advice, this will usually invalidate your travel insurance cover, depending on the policy you have purchased, as you are intentionally putting yourself at risk by travelling somewhere considered dangerous.

Does travel insurance cover my trip for coronavirus?

We take care to choose the right type of cover for you and any medical conditions you may have. Many people with chronic conditions are worried about the coronavirus pandemic. View our Coronavirus Cover Details

If you travel to your destination and the FCDO says it's safe, we'll cover the costs of emergency medical expenses and costs to return you back home if you fall ill, including the need to cancel or curtail a trip because of it. Remember that your coverage will not be valid if you travel somewhere against any FCDO or government advice not to travel or travel ban, or if there is any change in regulations due to COVID-19, so check the latest FCDO advice before you travel.

Does travel insurance increase at age 65?

When you reach the age of 65, your travel insurance premiums may increase. Premiums will be lower for those aged 18 to 64. Aged 65 or over will pay a higher premium. Your travel insurance rates may increase when you reach 65 years old even if your health status has not changed.

Does travel insurance cover illness before travel?

Travel insurance is designed to cover the costs of unexpected events, such as sickness or injury. The trip cancellation insurance covers you if you have to cancel your trip before you go

How long do you have to declare medical conditions for travel insurance?

If you're currently being treated or taking medication for a condition, you'll always need to disclose it. A number of pre-existing medical conditions must also be revealed if they occurred within a certain time frame and or ongoing, always check with your insurance provider if unsure what to disclose.

Do I have to declare all medical conditions for travel insurance?

You'll need to declare all existing medical conditions when buying travel insurance. If you're not sure whether to declare, it's important not to assume it's covered. Always ask your insurance provider, otherwise you risk any claim you need to make being rejected.

What will I be asked during the medical screening?

The questions in your medical screening will vary depending on your conditions. We'll take some background information about your recent medical history, and if you tell us that you've had a medical issue within that time-frame we'll go into more detail about how it has been treated, what medicines and procedures you have undergone and what treatment you are expecting in the future – though there may be other questions too.

Can travel insurers access my health record?

Travel insurance providers, cannot access your medical records or apply for a medical report from your GP without your consent.

Can I get travel insurance without medical cover?

You'll need to declare all existing medical conditions when buying travel insurance. If you're not sure whether to declare, it's important not to assume it's covered. Always ask your insurance provider, otherwise you risk any claim you need to make being rejected.

Can you exclude a medical condition from travel insurance?

Always ask your insurance provider, otherwise you risk any claim you need to make being rejected. Some policies or insurers won't cover your medical condition. While others will give you cover and may charge extra premium for it.

Is travel medical insurance mandatory?

Is travel insurance a legal requirement? No, you're not legally required to have travel insurance. Some tour operators will insist you have a policy in place before they confirm your travel, especially to countries like the USA where there's no public health service.

Please ensure you read through the full policy terms and conditions before taking out travel insurance.