Travel Insurance For Over 70s

What is over 70s Travel Insurance?

Travel Insurance for the over 70s is a type of policy that is tailored to the needs of older travellers, especially if you have pre-existing medical conditions, such as heart problems, cancer or diabetes. As we age, the risks associated with travelling can increase, making it even more important to have the right protection in place.

That’s where specialist travel cover comes in. It offers peace of mind both during your trip and in the lead-up to your departure. Retirement is a wonderful opportunity to explore the world, but ensuring you have the right insurance means you can travel with confidence.

Our over 70s Travel Insurance offers cover for:

Pre-existing medical conditions
24/7 emergency assistance
Travel delays and disruptions
Cancellation cover for unexpected issues
Lost or stolen belongings

There’s never been a better time to see the world. With comprehensive Travel Insurance for over 70s, you can do just that – confidently and securely.

Why choose AllClear for over 70s Travel Insurance?

We believe your age shouldn’t hold you back from travelling. That’s why we offer Travel Insurance that’s designed specifically with the over 70s in mind, giving you the freedom to explore the world with peace of mind.

Our cover includes essential benefits to protect you before and during your trip. Here’s what you can expect with AllClear Travel Insurance, depending on the level of cover you choose:

No upper age limit on our cover
Cover for over 1,300 pre-existing medical conditions
A 24/7 UK-based medical emergency helpline
Up to unlimited emergency medical expenses and repatriation
Cancellation cover of up to £25,000

With AllClear, you’re not just buying a policy – you’re travelling with the UK’s most trusted Travel Insurance provider†, rated ‘Excellent’ or ‘Great’ by 98% of customers¹. We’ve helped over 3.5 million travellers explore the world with the right Travel Insurance for their needs.

What does Over 70s Travel Insurance cover?

We specialise in cover for senior travellers with pre-existing medical conditions, so you can travel with confidence. This cover includes emergency medical expenses, cover for cancellation and baggage cover. For full details of what is included, please see our Policy Wording.

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 level of cover

Compare the policy benefits below, or for more information and complete cover details, please check your policy wording.

SWIPE TO COMPARE POLICIES

	Gold	Gold Plus	Platinum
Emergency medical expenses and Repatriation costs	Up to £10m	Up to £15m	Unlimited
Cancellation* and cutting your trip short	Up to £2k	Up to £15k	Up to £25k
Travel Delay	Up to £300	Up to £1,500	Up to £1,500
Personal Belongings	Up to £2k	Up to £2.5k	Up to £5k
Personal liability	Up to £2m	Up to £2m	Up to £2m
Legal protection cover	Up to £50k	Up to £50k	Up to £100k

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Travel Insurance for over 70s with medical conditions

Travelling in your 70s often means managing one or more pre-existing medical conditions, and that’s completely normal.

We believe pre-existing conditions shouldn’t stop you from travelling. But going uninsured can be incredibly risky and costly. That’s why it’s vital to declare all your medical conditions when you get a quote. This helps us tailor your cover and ensures you’re protected if something happens while you’re away.

Below are some of the most common medical conditions we cover for over 70s:

Should you declare your pre-existing medical conditions?

When applying for Travel Insurance with a medical condition, you need to declare all medical conditions that fall within the medical warranty. If you fail to declare pre-existing conditions and then need emergency medical treatment related to that condition, your policy will likely be invalidated.

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.

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, as well as Egypt, Morocco and Tunisia.
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?

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.

How much does Travel Insurance for over 70s cost?

There are a number of factors that impact on the cost of your premium:

Destination – staying in Europe is usually cheaper than travelling further afield.
Trip length – the longer you go for, the more cover you’ll need, increasing the cost of your premium
Activities – if you’re taking part in winter sports or activities considered high risk, you can expect to pay more for extra cover.
Medical conditions – the risk rating of your medical conditions will have an impact on your premium

Another factor to consider is the level of cover you choose. At AllClear, you can choose from a number of different policies with different levels of cover. You will also need to add the premium for any optional extras you choose such as gadget cover.

If you travel regularly, you might want to consider an over 70s annual travel insurance policy. This will cover you for all your trips over a 12 month period.

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 (previously EHIC) card.

Having a Global Health Insurance Card (GHIC) for European travel gives you access to state-provided healthcare in the EU in the event of 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.

Additionally, GHIC will not cover you for lost luggage, passports, documents, travel delays or personal liability.

Our experts say…

“We believe that everyone should be able to travel, and the over 70’s are no exception. There are plenty of holidaymakers exploring well into their 70s, and beyond. However, more than any other age group, senior travellers need to make sure they have comprehensive cover in place for their trip.”

Letitia Smith MSc, Travel Insurance expert

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.

Get your quote

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 our Customers Say

AllClear Travel Insurance is the best

“Thank you Matt for renewing our travel insurance with efficiency and reassurance. It’s our third year with AllClear, and we are so pleased with how you discussed our requirements and answered all our questions with clarity and understanding. A relaxing holiday in the sunshine is the best medicine for us older people and once more, you have enabled that. Thank you.” Patricia Perry

Frequently Asked Questions about Over 70s Travel Insurance

Does Travel Insurance have upper age limits?

AllClear Travel Insurance cover has no upper age limit. This means any traveller, regardless of their age, can buy a specialist policy.

Do you need to declare all your medical conditions for over 70s Travel Insurance?

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. It’s always better to be safe than sorry.

When should you buy over 70s Travel Insurance?

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.

What factors will affect the cost of Over 70s Travel Insurance?

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.

Can someone else join your Travel Insurance policy if they're under 70?

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.

Is emergency prescription medication covered by AllClear?

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.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra cover to your policy for a worry-free trip