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• Travel insurance for seniors

As you get older, being able to go where you want when you want is all part of the joy. And changes in your medical needs shouldn’t stand in the way of your desire to travel.

Does it feel like getting travel insurance is holding you back? This guide looks at how to get the cover you need, including for pre-existing medical conditions, and what to look out for when you do.

Posted: 26/1/2022 | By Darren Williams

Getting travel insurance in later life

Finding the right travel insurance for seniors of any age may seem difficult at times, but it needn’t be. A handful of insurers cater specifically to pensioners and seniors, and others can give people aged over 60 the same benefits under their normal travel insurance cover.

That’s how we do it here at Post Office. You simply request a quote the same way adults of all ages do. We’ll ask you about the type of holiday you’re taking, the activities you’ll be doing and the level of cover you need. And we’ll consider all medical conditions, with a simple online screening. Then, if you're eligible for cover, we'll quote you a price.

Post Office Travel Insurance can help cover medical costs, protect against delays or cancellations, lost luggage and documents, and personal liability. There’s no upper age limit on our single-trip policies. Or, if you’re travelling more in a 12-month period, we can provide annual multi-trip cover up to 75 years of age.

Why is travel insurance important?

Most holidays pass without any problems but there’s always a a worry about what might go wrong so it’s always safer to go prepared. Travelling without insurance just isn’t worth it – fall ill in some countries and you could be liable for huge medical bills as well as the cost of getting you home.

Travel insurance is important whatever age you are when you travel. And it’s a must-have for seniors especially – whether you’re 60, 65, 70, 75, 80 or above, or anywhere in between. Getting cover in place will let you relax and enjoy your trip without worrying about how you might pay for unexpected medical treatment, lost or damaged possessions, or cancellations.

It’s important to know that, insurers tend to see older age groups as a higher risk, the cover they quote for might be more expensive, or they may not cover all things you need. It's important to do your research and make sure the price and the policy are both right for you. Read the policy documents carefully and make sure you declare all medical conditions on the medical questionnaire. We’ll look at why this is so important in the next section.

Need insurance that covers your travels in later life?

Medical cover and the ghic or ehic.

The most important thing about travel insurance for seniors and the elderly is that your health cover gives you the protection you need, such as in medical emergencies.

If you’re visiting a country in the EU, a valid UK Global Health Insurance Card (Ghic) or still-in-date European Health Insurance Card (Ehic) will let you access state provided medical healthcare for free or the same as it costs locals.

Getting travel insurance is still important, though, as it covers costs the cards don’t, such as repatriation to the UK if you need to be transported home. And, of course, it also protects you in the event of delays or cancellations, lost luggage and documents and personal liability.

T ravel insurance and pre-existing medical conditions

It’s important to make sure you have the right cover in place in case something related to your condition happens while you’re away.

To get travel insurance you’ll need to accurately declare all pre-existing medical conditions when you apply. Insurers will make a decision based on the details you give them. There are different levels of risk they’re prepared to accept, so getting declined by one insurer doesn’t necessarily mean you’ll be declined by them all.

Conditions such as cancer, heart problems and diabetes will affect the policy and its price because they increase the chance of a claim. One way of managing this cost is to go with an insurer who offers specialised policies for your age group, and may be able to tailor cover to your needs.

You could also look at travel insurance for the elderly that is manually underwritten, meaning each policy considers the unique situation of the policy holder. This type of insurance is, predictably, more expensive in general than standard terms travel insurance.

At Post Office, we consider all medical conditions when you ask for a quote. This means, if you’re living with a long-term illness, you may be covered for any issues it could cause while you’re away, such as having to seek medical care or being rushed home for treatment.

If you’re in doubt or have a condition that’s particularly rare, it might be worth talking to a representative. If you have a serious condition that you’re struggling to find cover for, check the Money and Pensions Scheme (MaPS) directory of companies that may be able to help or call 0800 138 7777 .

Find out more about:

Travel insurance for people with cancer

Travel insurance for diabetics

Travel insurance and high blood pressure

Choosing the right cover

Most travel insurance for seniors will follow a standard format: do you want insurance for a single trip, for multiple trips or for a specialist trip such as a cruise or a ski break?

Cover for single or multiple trips

One of the first things to think about when choosing a policy is how often you’re likely to travel in a 12-month period. Different policy types may suit depending on the answer:

• Single trip travel insurance is designed for people who want to take one trip within any given year. If it’s likely you’ll only travel once in that time, it may be the most cost-effective option
• Annual multi-trip travel insurance  tends to suit people who travel two or more times within a year. It can be better value for those who go away frequently

Do you need a more specialist type of cover?

For some holidays, such as cruises or skiing trips, you may need to buy a policy add-on or specialist policy that will cover the specific activities or risks involved:

• Cruise cover  costs a little extra but offers extra protection at sea, like emergency rescue and cabin confinement; cruising without it may invalidate your travel insurance policy
• Sports and higher-risk activities: while lots of activities may be covered by regular policies some, such as golf and extreme sports , may need extra protection for you, other people and the equipment used.

Always check what activities your policy does and doesn’t cover. If your travel insurance and any add-ons you’ve bought with it don’t cover it you might want to think twice about getting involved and risking an accident

• Winter sports travel insurance : if activities such as skiing are still your thing, they’ll of course need some extra cover for the higher risk of injury involved, and the safeguard equipment and property in the event of accidental damage

Some providers also offer cover for unexpected events like local unrest and natural catastrophes such as volcanic eruptions or tsunamis. Check the risks in your destination on the UK government’s foreign travel advice page. Or, if you’re going to a country that you know well, you may decide this cover is unnecessary.

Check policies for any age limits

Whichever policy type you choose, check carefully to see how long you are covered for each trip. Since older people tend to go on longer holidays, it’s important to know if there are any trip limits.

Travel insurers can set upper age limits depending on the kind of activity you want to do while away. For instance, you’re less likely to find ski cover if you’re in your 70s and 80s. That’s not to say it doesn’t exist; you just might need to find a specialist provider.

The older you get, the more restrictions there may be on how long you can travel and stay covered. For instance, while younger people may be able to get covered for up to a year, people in their 70s might be limited to 90 days, and those in their 80s to fewer days still.

This will differ between insurers, so it’s worth knowing what you can get covered for before making a purchase.

As an example, Post Office Travel Insurance has the following age limits:

• Single-trip policies : if you’re up to and including 70, you can qualify for the longest possible trip of 365 days. If you’re between 71 and 75, the maximum length of your trip drops to 90 days. And if you are 76 or above, the longest trip you'd be covered for is 31 days
• Multi-trip policies : the maximum age for our Economy, Standard and Premier level multi-trip policies is 75. Although you can take as many trips as you like within the policy year, there’s a maximum of 31 days duration for each individual trip. The limit can be extended to 45 or 60 days for an additional premium.

Policy details to look out for

When you compare travel insurance for senior travellers from different providers, check to see if you have cover for things such as:

• Medical emergencies
• Repatriation (getting you back home)
• Lost, stolen or damaged luggage
• Lost or stolen cash
• Medical transfers
• Cancellation or curtailment (cutting your trip short)
• Personal liability
• Legal protection

Not every policy will include all of these. Comprehensive travel insurance should cover most of them, but always double check, and be aware of how much you’re covered for in each case.

Does your policy cover the cost of your holiday if you need to cancel it? For older travellers, there’s an increased chance you might fall ill or be unable to make your trip. Ask before you buy what would happen if you had to cancel, and what you could claim back.

Interested in travel insurance?

Common questions, what should senior travel insurance cover.

Travel insurance for seniors should include medical cover that suits the needs of older travellers, so you can call on it in emergencies such as injury or if you fall ill while you’re away.

Other things commonly covered by a travel insurance policy include cancellation and curtailment, and loss of belongings. If you buy travel insurance at the time you book your holiday, then you’re covered from that point onward. This means that if you have to cancel your holiday before leaving due to bad traffic, unexpected illness or a family bereavement, you could make a claim.

Some providers offer travel insurance tailored specifically to travellers in senior age groups. However, normal travel insurance policies are often available to customers well into their 80s. This might be better value and will still offer emergency medical cover. Ultimately, it’s up to you to decide if you need specialist cover or if what is provided on a standard policy is right for you.

What is travel insurance for over 65s, over 70s and over 75s?

As we get older insurers see us as higher risk on our travels because we’re more likely to suffer health problems while we’re away, which usually increases the cost of insurance. But there’s another reason why travel insurance for seniors is usually pricier: older people tend to be more adventurous and often choose to travel to more far-flung, exotic places.

Visiting Thai temples or African game parks is always a wonderful experience, but the medical costs should anything happen to you will usually be higher than if you were travelling in Europe. If you’re in an age group that’s over 65, 70, 75 or 80, these costs are likely to become higher still, as specialist care and travel arrangements may be more complex the older you get.

Can I get travel insurance if I’m over 80 years old?

The simple answer is yes, you can. There are lots of policies on the market that cater to older travellers, either as part of their regular travel insurance product or with specialist products tailored to older age groups.

The reason that people over 80 might need a special policy when they travel is they have a different set of risks. While nobody expects you to be engaging in too many extreme sports in your 80s, there are other risks that need to be accounted for, like illnesses or pre-existing medical conditions.

At Post Office, while we don’t offer a specialist travel insurance policy for over 80s there’s no upper age limit on our single-trip policies. You can get a quote and we’ll consider all medical conditions.

Can I travel with someone else on a travel insurance policy?

If you’ll be travelling with a companion such as a friend, partner or family member, it’s important to check if they’ll be covered too. Many seniors travel insurance policies are just for individuals and a companion may need to take out their own cover. You may also need separate policies for younger passengers if you plan to travel with your grandchildren .

When should I buy travel insurance?

It’s a good idea to buy your travel insurance as soon as your holiday is booked.

It will cover you for cancellation or anything that might prevent you from travelling, like redundancy, unexpected illness, injury or even bereavement before you make your trip.

The right time to get covered may differ depending on the kind of break you book. Read our guide to when to buy travel insurance to find out more.

Any travel advice for seniors going on holiday?

Before you go

• Ideally before you book, check you’re traveling with a reputable firm. This is a good way to avoid being in a situation where you will be put at risk in the first place. Check the  Association of British Travel Agents  (ABTA) to make sure that your trip is safe and well-managed by a trusted firm
• Take a copy of your medical notes, including your emergency numbers
• Check with your doctor or on the NHS travel pages  to see if you need any travel vaccinations or medication before you go
• Make sure there’s no Foreign, Commonwealth and Development Office (FCDO) advice against travel to your destination. If there is, travelling against it could invalidate your travel insurance
• If you’re travelling to Europe, apply for a  UK Global Health Insurance Card (Ghic)  to get free or discounted medical care
• Make sure your  passport is still valid and  apply for a new passport  if you need to. Some countries like you to have at least six months left on your passport to allow you entry
• Inform your bank about your travel plans so you can use your cards abroad – some banks will stop your cards when they’re used abroad in an anti-fraud measure
• When packing medicines, it’s important to check what you can take on a plane as there are limits on liquids which can include medication. Bring extra prescription medication with you in case of delays, and keep spares of any glasses or hearing aids in a separate bag in case you lose your normal set

Read our pre-travel and packing checklists to make sure you don’t forget anything important. And find out how to pack a suitcase with everything you need and nothing you don’t.

During your trip

• Keep your hand luggage light and check your bags in at the airport to make getting around much easier
• On your flight, drink plenty of water and keep moving as often as you can
• Try and book outside of the peak seasons. This will also help you find cheaper deals
• Check your hotel for accessibility if you have difficulty getting around. Check the AgeUK advice on accessible holidays  for more details
• Make sure you know the address of a local doctor and pharmacy near to where you’re staying

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• Travel Insurance

Travel Insurance for seniors

A little older, a little wiser.

Travelling in your 60s and beyond is a great way to enjoy your retirement

If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking new experiences.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel insurance for over 60s

As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re on holiday.

But it provides cover for a wide range of scenarios, including:

• Your belongings being lost, damaged or stolen
• Needing legal assistance while you’re away
• Travel delay

Choose from three levels of cover

Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes cover for:

• Loss of medication
• To bring you home following emergency medical treatment

It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’t covered.

Travel insurance for over 60s with pre existing conditions

You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.

Pre-existing conditions  include:

• Heart disease

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Registering for free treatment

If you’re travelling in the European Economic Area or Switzerland, you should apply for a  GHIC  (Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medical expenses.

Some countries, such as New Zealand, Australia and the Falkland Islands, also have  reciprocal health care agreements  with the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover the costs.

To find out the true costs of getting ill abroad, check out our interactive globe where you can  explore the cost of medical treatment  in the most popular travel destinations for UK holidaymakers.

Cruise travel insurance for over 65s

A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.

Adding the  Cruise upgrade  means your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without the add-on.

As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medical officer.

Cover for sports and leisure activities

It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.

These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years for cover.

If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check your  policy book  or  contact us  to clarify what you will and won’t be covered for.

Your questions answered

Is travel insurance more expensive for older people.

Not necessarily. The cost of policies is dependent on a range of factors including the location, duration and nature of your trip.

Most travellers in their 60s find there's little to no difference in the cost of cover, but there may be restrictions as to what's included in the cover.

However, travel insurance for over 70s can cost a bit more. This is because a person over 70 requires more advanced medical cover due to the increased probability of health issues while travelling.

Is there a maximum age for Admiral Travel Insurance?

The maximum age limit for Admiral Travel Insurance is up to 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

Do you cover travellers over the age of 70 for Single Trip policies?

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

Can you get winter sports insurance for over 70s?

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Getting the most out of your trip, going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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Travel Insurance for Seniors

Why do I need Seniors Travel Insurance?

What does our seniors travel insurance cover .

Our Single Trip and Annual travel insurance policies both offer different levels of cover, so you can choose the policy that’s best suited to you.

It is important to note that you will not be covered for pre-existing medical conditions at the present time. We have paused this offering from the 5th May 2021, while we make some improvements to our online booking process. However, please browse our offerings in the future, as we will be reintroducing cover for pre-existing medical conditions once the updates are complete.

When you choose our Bronze level of cover as part of our Single Trip or Annual insurance policies, you’re insured for: 

• Cancelling or cutting short your trip, including pre-paid travel and accommodation expenses.
• Emergency medical expenses such as hospital fees, repatriation (returning you home), inpatient benefit, funeral costs and dental costs if taken ill or injured during your trip.
• Delayed personal possessions, including the cost to replace essential items temporarily lost by the transport provider on your outward trip.
• Personal accident cover to compensate you, if you have a more severe accident during your trip.
• Missed departures, including extra transport and accommodation costs to continue your trip if you miss your outward or return transport.
• Delayed departures, including a benefit after a major delay to the outward or the return transport at the departure point, or the costs to abandon your trip before you leave the outward departure point.
• Personal liability cover for damages or injuries you cause to a person or their property.
• Legal expenses such as legal costs and representation to claim compensation from a third party responsible for your death, injuries or illness.
• Loss of passport, including the costs to get temporary documents on your trip and a refund of the value of the period remaining on the lost passport.
• Personal possessions cover for if your items are lost, stolen or damaged.
• Personal money, including cash, traveller’s cheques and travel tickets that have been lost, stolen or damaged.

In addition, if you buy our Gold cover, you’ll have some further enhanced benefit levels, as well as insurance for the financial failure of the end-supplier of your travel arrangements.

Each policy has a different benefit limit, so please read your insurance documentation thoroughly. There are exclusions that apply to our policies overall, and specific exclusions that apply to certain sections of our policies, therefore it’s important that you understand these and know exactly what you’re covered for. You should also remember that your policy will have an excess amount you’ll need to pay if you make a claim.

Frequently Asked Questions

Yes, our Single Trip travel insurance policies are only available to those aged 80 and under and our  Annual travel insurance policies to those aged 65 and under. Our Backpacker policy is only available to people aged 50 and under, so sadly it doesn’t cover senior citizens.

If you’re over these maximum ages then there’s no need to panic. You may still find a specialist insurer who can handle your seniors travel insurance policy. Visit our FAQs page for helpful advice on getting travel insurance if you’re older than our maximum age limit. 

Whether you take out a Single Trip or Annual travel insurance policy with Allianz Assistance, you can get telephone or video  consultations with a UK GP , wherever you are and whatever the time.

If you’re travelling within  Europe , then you can get a private prescription for your medication while you’re away. Your prescription can be authorised electronically, and the medication can be sent to you. Please note that you will have to pay for the cost of the medication and the cost of the delivery. The policy also excludes the cost of any medication that you were prescribed before you travelled.

From 5th May 2021, while we can still cover you under the standard sections or our travel insurance policies while on a cruise holiday, will not be able to offer the additional cover previously provided by the Cruise travel optional extra section. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased before 5th May 2021 aren't affected and your cover won't change.

Cruising the world is a lifelong ambition for many of us, and retirement is the perfect time to set sail. Whether you’re looking to cruise around the Mediterranean, hop around the Caribbean islands or explore the Far East, very shortly you'll be able to do so with our add-on Cruise cover . With our cruise insurance for the over 65s, you can relax and watch the world go by, knowing you’ve got that extra covered. 

Terms and conditions apply.

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Choose the cover that’s right for you with allianz assistance.

Single Trip Travel Insurance

Annual Multi-Trip Travel Insurance

Sports and Leisure Travel Insurance

Golf Travel Insurance

Travel Insurance for Medical Conditions

Cruise Travel Insurance

Need help? Call us on: 0371 200 0428

Make a claim, policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

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Seniors Travel Insurance

At Holidaysafe we believe that more mature travellers shouldn’t be discriminated against simply because of their age, which is why we offer Single Trip travel insurance policies with no upper age limits, and Multi Trip policies for anyone up to 79 years old.

Furthermore, to ensure your medical conditions are fairly assessed and fully covered, we use a specialist medical risk rating service called Protectif on every quote. The Protectif system allows us to more accurately assess an individual’s particular circumstances, accurately assessing the ‘risk’ and offering a fairer price so you can ensure all your conditions are covered.

What Are The Benefits of Seniors Travel Insurance?

• Cover for coronavirus included as standard
• No upper age limits for single trip policies (depending on the outcome of your medical screening, your age, trip duration, and destination of choice)
• Multi-trip policies for anyone who’s 79 and under
• A wide range of cover levels and extensions (our cruise extension will always be needed when cruising)
• Specialist Protectif medical risk rating service available on every quote
• Cover for cancellations, medical emergencies, loss of personal belongings and travel documents, and repatriation
• Cover for UK, European and Worldwide destinations available
• Discounts for couples

Please see our other dedicated seniors travel insurance pages below:

• Over 50s Travel Insurance
• Over 65s Travel Insurance
• Over 70s Travel Insurance
• Over 80s Travel Insurance

Get a Quote

You can find out more about the cover that we offer by taking a look at our  cover levels , our  benefits of travel insurance  or by  getting a quote.

Seniors Travel Tips and Advice

Here at Holidaysafe, we have put together some tips for you whilst travelling and before you go to help you out. If you’re a tech-savvy senior traveller looking for inspiration on your next trip, here are our top bucket list worthy adventure ideas;

• Take a cruise – cruises come with a ‘senior’ stereotype, but there are hundreds of different lines, destinations and routes to choose from. Opt for a European cruise to soak up the sun and take as many port visits as possible.
• Turn a hobby or passion into a trip – whether you love to cycle, ski or even paint, there are an endless list of activity holidays you could plan around your favourite past time. Do some research and choose a trip which sounds appealing to you.
• Take a once in a lifetime trip – because you deserve it! If you’ve always wanted to see the Northern Lights, the Egyptian Pyramids or sip coffee in Milan, get booking your once in a lifetime trip so you can tick it off your bucket list (and replace it with something new!).

How to Stay Healthy Whilst Travelling as a Senior

When travelling abroad, most people usually focus on all the rest and relaxation their trip will bring, but many forget the physical effects that travelling can have on their body. Below, we’ve listed some of the most common issues, and ways in which you can counteract them to stay healthy abroad whilst travelling.

Circulation Issues

If you’re travelling by air or road, you need to ensure you avoid circulation problems such as Deep Vein Thrombosis. Sitting in the same positive for too long can slow your blood travelling round your body, which can then cause dangerous clots to form. The easiest method of prevent is to take regular breaks to get up and stretch your legs, plus you can also purchase compression socks to aid blood flow.

Dehydration

A change in routine can be enough to disrupt your intake of water, and if you’re doing a lot of travelling or sitting in the sun during your trip, this can quickly lead to dehydration. The resulting complications can range from mild headaches to more serious problems like low blood pressure and rapid breathing or heart rate. Make sure you stick to your routine and drink more water if you are in a hotter climate.

Digestive Problems

Flying at altitude, the stress of travelling and rich or spicy foods can all be enough to completely disrupt your digestion process, causing bloating, diarrhoea and constipation. Make sure you drink plenty of water during your trip and take natural supplements depending on your ailment.

Immunity Breakdowns

Unfortunately, places like airports, airplanes, cruises and trains will all be breeding grounds for bacteria and viruses – hence why so many people arrive on holiday only to find they have a cold. Before you become completely germ phobic and vow never to travel again, simply try to up your immune system a few weeks before travel with lots of vitamins – and don’t forget that anti-bacterial gel.

Seniors Travel Insurance FAQs

We want to make buying the correct travel insurance an easy decision for our customers, we don’t want to over complicate the process and we want to make it as easy for you to purchase the cover you need. We have listed some of our most popular senior-related frequently asked questions to help you get the answers you need.

Are there any age limits on Holidaysafe’s travel insurance for seniors?

There are some limits on our travel insurance policies for seniors. On most of our multi-trip policies, we will cover up to the age of 79 years young depending on your destination of choice. However, our single trip policies include no upper age limit.

Do I need travel insurance as a senior?

Although it is not a legal requirement to have travel insurance, some travel providers do need evidence of a valid policy. Travel insurance is here to provide you with protection against any unforeseen losses incurred whilst travelling, it covers you for all the unexpected mishaps that can happen whilst abroad as well as medical expenses.

Unfortunately, this can happen to anyone, and as we get older we can end up with some conditions which we need cover for.

Why do I need to tell you about my medical conditions?

You need to tell us about your conditions as although this may incur an increase in your premium, we would always advise to declare them to us when purchasing your policy. Without full disclosure, your policy could be void in the event of a claim and we don’t want that to happen!

Here at Holidaysafe we understand that everyone has some sort of medical history, from broken bones to more serious conditions such as cancer.

We use a specialist screening tool, Protectif. This is a Medical Risk Rating tool that we use for all of our policies in order to ensure we are accurately assessing the risks you may pose and offering a fairer price.

Why do I need to tell you about my medication?

We use Protectif during our screening process and this works by asking you for your medication and the condition you take it for, to make sure nothing is forgotten.

What if I forget to declare a condition during the medical screening process?

If you forget to declare a medical condition or you have made an error, it is not a problem. We will always send you a document detailing your answers and the information you have given us which you can then review.

If something has been left off you can always contact us and update your information, you will need your Policy reference number at hand when speaking to an operator. You can also ask your doctor to have a read through your medical screening summary to ensure all information is correct and up to date.

As a senior, my medical history and information can sometimes change. Do I need to keep you informed if this happens?

To ensure you are fully covered, yes you will.

We know this is frustrating, but we would rather you called us so we can ensure full cover on your policy, than potentially having a claim declined if there is no disclosure.

Do you have any further questions?

Feel free to use our FAQ Page . Failing that, check our contact us page for other ways to contact us. We will be more than happy to answer any questions you may have.

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Ɨ Please note, Holidaysafe’s online price automatically includes a 15% online discount against our Customer Service Centre prices. This is discounted from our core policy price before you add any additional cost of optional extensions or additional medical premium.

ƗThe discount code “HSSAVE” offers you a 20% discount made up of our automatic 15% online discount price and an additional 5% discount against our Customer Service Centre prices. This is discounted from our core policy price before you add any additional cost of optional extensions or additional medical premium.

ⱽ The Which? Best Rate feature applies to Holidaysafe’s Premier cover, based on a 24-day Single Trip policy with Worldwide Excluding Mexico cover. The table was last updated on the website on 29/08/2023 and all prices are based on the policy being taken out within 93 days of travelling.

ɸ Awards include: Finalists for ‘Best Travel Insurance Provider’ in the 2022 Insurance Choice Awards – Winner of Your Money ‘Travel Insurance Provider of the Year’, 2018.

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Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN 306537. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. Travel Insurance Facilities Plc registered in England No. 3220410. All rights reserved. All policies offered are on a non-advised basis.

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Travel Insurance For Seniors

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We're here to ensure you enjoy future holidays, with the right cover for seniors!

Compare over 30 specialist medical travel providers all in one place to find the best travel insurance deals for over 50s. Compare and buy online now!

We can help you quickly compare medical travel insurance for over 60s and get a comprehensive policy at a low cost. Buy online today!

Compare travel insurance for over 65s quickly and easily with us. Many policies have no age limit. Buy over 65 travel insurance from as little as £9.44!

Compare travel insurance quotes for over 70s with us today and find a great deal within minutes!

Compare travel insurance for over 75s in 3 simple steps with Medical Travel Compared. Buy travel insurance securely online today!

Comparing travel insurance for over 80s has never been easier. Buy over 80s travel insurance online direct from the provider in three simple steps.

Whether you’re planning a holiday of a lifetime or a trip to visit family and friends, we can help you find the right over 90s travel insurance for you.

A Guide to Senior Travel Insurance

Have you discovered that travel insurance premiums have increased now that you’re a senior? Or that the insurance provider you’ve been with for years is now declining to renew your policy because you’ve reached a certain age?

Frustrating isn’t it! But we’re here to tell you that age doesn’t need to be a barrier to enjoying future holidays abroad, and better still, we can help you find a suitable senior travel insurance provider who will be able to cover all of your needs.

Do I need senior travel insurance

Travel insurance is a necessary precaution to protect you if things don’t go to plan – and therefore should be high up on the list of priorities when arranging any trip abroad.

Travel insurance for senior citizens can cover a range of eventualities, from cancellation, personal accidents, emergency medical expenses, repatriation back home, personal belongings, travel delay and more. Most insurers will also provide a 24-hour emergency helpline, so help is only a phone call away no matter where you are!

Comparing travel insurance for seniors with pre-existing conditions

Such is life that as we age, we’re more than prone to age-related illness such as arthritis , blood pressure , type 2 diabetes to name but a few, and in many instances older people are prescribed precautionary medication to keep such conditions at bay.

It’s important to declare all of your pre-existing medical conditions , and the medical reasons why you take preventative medication – even if they have little impact on you daily living. This allows insurance providers to offer a senior citizen travel policy that will meet your individual needs and give you protection in the event your existing medical conditions cause you any complications during your trip (terms and conditions vary).

If you’re declaring medical conditions on behalf of a family member or an elderly friend, do make sure you’re aware of their medical history, and the reasons why medication is prescribed. In particular, ask if they have EVER been diagnosed with any heart, respiratory, circulatory, stroke or cancerous conditions, as most insurance providers require applicants to declare these as part of their medical history.

It’s always worth considering the medical benefits included within the policy over the cost of the policy itself. It should never simply be a case of getting the cheapest possible cover out there.

You want to ensure that your covered for every possible eventuality, however likely or unlikely – in order to give you the peace of mind to enjoy your holidays as you should.

What does senior travel insurance cover?

You can reasonably expect a senior travel insurance policy to include the following standard benefits:

• Cancellation
• Curtailment
• Lost, stolen or damaged personal belongings
• Personal Accident
• Emergency Medical Expenses and Repatriation
• Personal Liability
• Legal Expenses
• Travel Delay

However, as the likelihood of claiming arguably increases as you get older, you’ll often find that these benefits are extended to provide you with even more cover.

Obviously, insurance cover can change based on what pre-existing medical conditions you declare too. Depending on what type of holiday you’ve booked, you can also find specialist  senior ski travel insurance  and  senior cruise travel insurance  in some cases as well. You can read more about what type of cover you’ll receive on their respective pages.

UK travel insurance for senior citizens

If you’re planning a staycation and booking two or more nights away in the UK, you may want to consider getting travel insurance to protect the money you have paid out for accommodation, travel and excursions.

When getting UK senior travel insurance quotes – make sure you check the excess.

There’s little point buying UK cover if the excess on the policy is higher or the same as the cost of the holiday, because there will be little or no money to actually claim back in the event of cancellation.

International travel insurance for seniors

The same principle applies to international travel insurance for seniors – only in this case, you’ll be covered for different things, such as lost luggage or flight delay or cancellation.

International travel insurance will take into account the country/countries you’re visiting to provide the best possible cover based on the cost of medical expenses there, as well as the cost of repatriation if you need to fly home for whatever reason.

Don’t forget your travelling companions

Lastly, we urge you to add your travelling companions to your policy. Being insured on the same policy protects your companions should you or your medical conditions cause any trip complications and vice versa.  When insured separately you run the risk of falling out of pocket should you need to cancel the holiday (terms and conditions vary).

Finding the best travel insurance for senior citizens

With Medical Travel Compared, you can access a range of different specialist medical travel insurance options for seniors. Believe it or not, but when you reach the age of 50 – your travel insurance premium can shoot up. Although this is unfortunate – we would always advise that it’s more than worth the extra expense in the long-run – especially if you’re considering taking out an annual policy.

Our free, independent online comparison service has been set up to help seniors find the best value travel insurance easily and quickly. Simply use our quoting facility by clicking the ‘Get a Quote’ button located at the top of this page.

Then, enter your holiday details and, if necessary, answer some medical questions to compare senior travel insurance quotes from our panel of insurers that are specifically targeted at OAPs and senior citizens.

Having reviewed the search results, you can then select a policy that meets your needs and proceed to pay securely online. Your documents will then be sent to you direct from the insurer. It couldn’t be easier!

Check out our articles

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Travelling with an elderly relative soon? Read this guide for top tips and guidance that will make the journey and travelling as smooth as possible.

Joe Wicks has a series of low impact workouts specifically designed for seniors to open up your joints, elevate your heart rate and strengthen your muscles - suitable for home or abroad.

Recently had a hip or knee replacement? Use this guide to help you to find out what you can expect to be back doing (and when).

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Sometimes it's easier to speak to a human. If you’d rather have a chat with one of our trained protection specialists, you can call us on 0330 330 9465. Our offices are open Monday to Friday, 9am to 5pm.

As people enter their golden years, travelling becomes not just a luxury, but often a cherished opportunity to explore new destinations, visit family and friends, or simply enjoy a well-deserved vacation. However, with age comes a higher likelihood of medical issues and other unforeseen circumstances that could potentially disrupt travel plans. This is where senior citizen travel insurance plays a crucial role. In this comprehensive guide, we’ll delve into the what, why, and how of senior citizen travel insurance, exploring its benefits, coverage options, costs, and more, to help seniors make informed decisions before embarking on their next adventure.

Understanding Senior Citizen Travel Insurance

Why does senior citizen travel insurance matter, who needs senior citizen travel insurance, benefits of senior citizen travel insurance, coverage options, cost considerations, tips for choosing senior citizen travel insurance.

Senior citizen travel insurance, also known as ‘travel insurance for seniors’ or ‘elderly travel insurance’, is specifically designed to provide coverage tailored to the needs of older travellers. While standard travel insurance policies may offer coverage for various scenarios, including trip cancellations ,and medical emergencies, and baggage loss, senior citizen travel insurance takes into account the unique health considerations and travel requirements of individuals aged 65 and older. These policies typically offer enhanced medical coverage, higher coverage limits, and additional benefits to address the specific needs of seniors during their travels.

Travelling as a senior can present certain challenges and risks that may not be as prevalent for younger travellers. Age-related health conditions, pre-existing medical issues, and the need for specialised medical care are all factors that seniors need to consider when planning their trips. Senior citizen travel insurance provides essential coverage for these potential risks, offering peace of mind and financial protection in case of emergencies. Whether it is assistance with medical expenses, emergency evacuation, or trip cancellations due to health reasons, having the right travel insurance can make all the difference for seniors looking to explore the world with confidence.

Senior citizen travel insurance is essential for individuals aged 65 and older who plan to travel domestically or internationally. As people age, they may be more susceptible to medical issues and other unforeseen events while travelling. Senior citizen travel insurance provides coverage for various travel related risks, including medical emergencies, trip cancellations, lost luggage, and travel delays. This type of insurance ensures that elderly travellers have access to necessary medical care and assistance in case of emergencies while away from home.

Additionally, senior citizen travel insurance may offer specialised benefits tailored to the needs of older travellers, such as coverage for pre-existing medical conditions and emergency medical evacuation. Overall, senior citizen travel insurance provides peace of mind and financial protection for elderly travellers, allowing them to explore the world with confidence.

Senior citizen travel insurance offers a range of benefits tailored to the needs of older travellers. One of the primary benefits is enhanced medical coverage, which may include coverage for pre-existing conditions, emergency medical treatment, hospitalisation, and prescription medications. Additionally, senior-specific policies often provide coverage for emergency medical evacuation and repatriation, ensuring that seniors can receive necessary medical care even in remote locations or foreign countries. Other benefits may include coverage for trip cancellations and trip interruptions, baggage loss or delay, and 24/7 emergency assistance services, offering comprehensive protection for seniors throughout their travels.

Senior citizen travel insurance policies typically offer a range of coverage options to suit different travel needs and preferences. Medical coverage is a fundamental component, providing reimbursement for medical expenses incurred during the trip including doctor visits, hospitalisation, surgery, and prescription medications. Emergency medical evacuation coverage ensures that seniors can be transported to the nearest suitable medical facility or back to their home country for treatment if needed.

Trip cancellation and interruption coverage protect seniors financially in case they need to cancel or cut short their trip due to covered reasons such as illness, injury, or unforeseen emergencies. Baggage loss or delay coverage reimburses seniors for the value of their belongings in case of lost, stolen, or delayed baggage during the trip. Additionally, some policies may offer optional add-ons or upgrades for increased coverage limits or additional benefits, allowing seniors to customise their insurance plans based on their specific needs and preferences.

The cost of senior citizen travel insurance can vary depending on factors such as the traveller’s age, trip duration, destination, coverage limits, and the level of coverage selected. Generally, senior travellers can expect to pay higher premiums compared to younger travellers, reflecting the increased risk associated with age-related health issues and potential medical emergencies.

However, the peace of mind and financial protection offered by travel insurance often outweigh the costs, especially when considering the potential expenses of medical emergencies or trip cancellations abroad. Shopping around and comparing quotes from different insurance providers can help seniors find affordable coverage options that meet their needs and budget.

When selecting senior citizen travel insurance, there are several factors to consider to ensure you get the right coverage for your needs. Firstly, assess your health status and any pre-existing medical conditions to determine the level of medical coverage you require. Look for policies that offer coverage for pre-existing conditions and provide adequate limits for emergency medical expenses and evacuation. Consider the destinations you plan to visit and ensure that the policy provides coverage for medical treatment and emergency services in those locations.

Additionally, review the policy exclusions, limitations, and terms and conditions carefully to understand what is covered and what is not. Finally, compare quotes from multiple insurance providers to find the best value for your money, taking into account both the cost of the policy and the coverage provided.

Senior citizen travel insurance is a valuable investment for older travellers, offering essential protection and peace of mind during their journeys. With comprehensive coverage options for medical emergencies, trip cancellations, baggage loss, and more, senior travellers can explore the world with confidence, knowing that they are financially protected against unforeseen events. By understanding the benefits, coverage options, costs, and tips for choosing the right insurance plan, seniors can make informed decisions and enjoy their travels to the fullest, creating memorable experiences wherever their adventures may take them.

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Your age shouldn’t be a barrier to seeing the world. With InsureandGo’s over 60s travel insurance, we’ll give you a quote for over-60s travel insurance policies in a few minutes. You’ll be covered for medical emergencies, cancellation, lost luggage, delays even if you have pre-existing medical conditions.

What is over 60s travel insurance and how does it work?

Over 60s travel insurance is a type of travel insurance policy that covers the needs of later-in-life travellers, including any pre-existing health conditions you declare.

If you’re 60 and over and are looking to travel abroad, then we have the perfect policy for you. It’s important to be covered when you’re on holiday, as, unfortunately, accidents do happen.  

• The NHS estimates a third of all people over 65 will have at least one fall a year . 
• The UK Government estimates that a fall in Spain that results in a broken hip would cost £15,000 .

Doing anything else special on holiday this year? We’ve got you covered with our specific travel insurance policies, like cruise travel insurance , hiking travel insurance , golf travel insurance and even extreme sports cover .

What does InsureandGo’s over 60s travel insurance cover?

What’s covered.

All our over 60s travel insurance policies include:

• Medical emergency expenses.
• Cover for cancellation of your trip.
• Over 100 sports and activities covered (see your policy wording for a full list of activities).
• Personal belongings and baggage cover.
• Personal money, passports and travel documents cover.
• Accommodation cover.
• Legal expenses cover.

Find out about our optional add-ons for activities like extreme sports , winter sports , hiking , cruises and golf . We will consider all pre-existing medical conditions, find out more about medical travel insurance .

What’s not covered

We try to provide as much cover as possible with our policies, however, there are some situations where travel insurance will not cover you. For example:

• Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.
• All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.

The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.

Age restrictions

We think holiday insurance should be available to as many people as possible, that’s why our policies have no upper age limit. Please note that we do not cover anyone over the age of 65 for winter sports like snowing or snowboarding.

Trip length

Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.

If you want to be abroad longer than this, you’ll need our long-stay travel insurance .

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.

If you’ll be taking away something a bit more expensive you can add our valuables extension . Check the policy wording for full details of what’s covered with this add-on.

The best travel insurance for over 60s and 65s

We know that your age shouldn’t limit you, which is why we provide any travel insurance add-ons you might need, no matter your age. 

• Cruises : Providing extra cover for problems exclusive to cruise travel, whether that’s cabin confinement, missed departure or even repatriation back to the UK. 
• Single trip cover : Just heading abroad once this year? Single-trip travel insurance might be the way to go.
• Golf : Cover equipment, green fees and more for your entire trip – even if you spend the whole holiday on the course.
• Europe or worldwide cover: Doing multiple stops on your holiday? Selecting a travel insurance policy that covers a specific region might help, like our Europe travel insurance or worldwide travel insurance . 
• Extreme sports and hazardous activities: Everyone deserves to have some stress-free laughs on holiday. Our standard policies already cover over 100 sports and activities, but if you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover .

Choose a cover level to suit your travel needs

Travel insurance for over 60s with pre-existing medical conditions.

Our over 60s travel insurance allows you to declare any medical conditions you may have. We can cover over 1,300 conditions, many of them at no additional cost.

You must tell us about any pre-existing conditions before you set off. During your quote set-up, we’ll ask you some questions to work out your quote, depending on the health issues you have. 

Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

It’s important to let us know about any medical conditions you have before you buy your policy. We can cover many conditions free of charge, but for others, there may be an additional premium to pay. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents .

Which destinations are covered by our over 60s travel insurance?

We offer over 60s travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean)

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your coverage to include the new destination. Alternatively, you could buy separate single trip cover instead. However, upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book our travel insurance for over 60s

We know your to-do list for your next trip can be a long one, so we make getting over 60s insurance as simple as possible:

1. Let us know a little info

We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once you have your quote, you can either purchase, or save it for the future.

“Travel insurance is an absolute must-have if you’re over 60 and heading abroad this year. Enjoying your retirement years should be stress-free and enjoyable. You don’t want massive hospital bills chipping away at your retirement fund. At InsureandGo, we cover your medical conditions and sporting activities on your trip and we don’t have an upper age limit, so you can be sure we’ll take the best possible care of you, leaving you free to enjoy your holiday.” Letitia Smith – Travel insurance expert

Our reviews speak for themselves

“decent price & great cover”.

“I find insurance price very suitable for an annual travel insurance, for a 60+. I would highly recommend giving it a shot whoever is looking for decent price and great cover by their travel insurance.”

Frequently asked questions on travel insurance for over 60s

Do i need specialist travel insurance if i’m over 65.

Most “standard” travel insurance policies will cover you from the ages of 18 to 64. However, once you hit 65, you might find that you need a specialist insurance policy. This is especially true if you have any pre-existing medical conditions.

At InsureandGo, we have no upper age limit for our policies, and we cover around 1,300 pre-existing medical conditions at no extra cost, so you’ve got more money to enjoy your holiday.

What is the maximum age you can insure up to?

InsureandGo offers travel insurance with no upper age limit . Our policies always include cover for over 100 sports and activities, no matter your age. Please note that our additional winter sports cover is only available up to age 65.

Will my policy be more expensive if I’m over 60?

While there is no upper age limit, several factors, including your age, do affect the cost of the policy. This is due to the fact that holidaymakers over 60 are more likely to need to make a costly claim.

Does my over 60s travel insurance change depending on where I’m going?

Yes, but not because you’re over 60. Usually, travel insurance policy prices change depending on where you’re going because different countries have different costs for medical treatment. For example, some countries have higher medical expenses than others, so travel insurance for the USA is more expensive for example.

How long can I travel for if I’m over 60?

As long as anyone else! There’s no reason your age should hold you back. Our policies do have trip limits, but these don’t depend on your age. With single-trip travel insurance, you can be abroad for 365 days if you choose to! 

Our annual multi-trip travel insurance allows you to travel as often as you like but with a duration limit on each trip. Budget policies would cover you for 31 days at a time, Silver or Gold for 45 days, and Black policies can cover unlimited trips of up to 55 days.

Do I need a GHIC card as well as travel insurance?

You should carry a free Global Health Insurance Card (GHIC – previously EHIC) whenever you travel to Europe. The GHIC will cover any necessary treatments you may receive at public hospitals on your trip. 

Remember that you still need European travel insurance to cover the costs of any unexpected medical treatment the GHIC might not cover. This includes things like transport to and from hospital or even repatriation back to the UK.

What is considered a pre-existing condition for travel insurance?

We consider a medical condition to be pre-existing if any person insured on this policy has:

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

You must declare any pre-existing medical conditions you have before buying travel insurance.

What happens if I don’t declare a pre-existing condition on my travel insurance?

If you don’t declare your pre-existing condition before getting your travel insurance policy, you may find that your policy becomes invalid. This will mean that you will end up having to pay extensive medical bills if the need arises, along with other costs that would previously be covered by your policy.

How far in advance should I get travel insurance?

You should get your cover as soon as you book your trip. Failing this, you should arrange cover as soon as possible. Remember that your travel insurance will only be valid if you have bought it before you leave the UK.

It’s especially important to make sure you have travel insurance if you’ve pre-booked any activities or excursions for while you’re on holiday. Policies differ, so check the wording of your policy if you have a specific activity in mind.

Who can buy an InsureandGo over 60s travel insurance policy?

All our over 60s travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our over 60s travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

Best Travel Insurance for Seniors in the UK 2024

Written by, Marija Petkova

Updated February, 7, 2024

1. Staysure

• Flexible cover options
• 24/7 medical helpline
• Excess waiver available

2. AllClear

• Covers 1300+ medical conditions
• Over 90s insurance available
• Up to £15M emergency medical cover

3. CoverWise

• 5 cover levels
• Enhanced cover for COVID
• Winter sports insurance

4. Globelink

• 17-day free winter sports cover
• 20% off on COVID testing
• Free COVID coverage

5. Post Office

• Multiple add-ons available
• Quick and easy medical screening process
• Trip cancellation and curtailment cover included

6. CoverForYou

• Zero excess policies
• Loyalty discount scheme
• Free coverage for more than 100 sports and activities

7. Goodtogoinsurance.com

• Covered by the Financial Services Compensation scheme
• No admin charges for policy changes
• Personal property cover available

8. World First

• Free cover for up to 75 sporting activities
• Online screening service
• 14 days money-back guarantee

9. Free Spirit

• Medical aids cover
• Aftercare at Home
• Convalescence benefits

10. OK to Travel

• Customisable policies
• All medical conditions considered
• 14 days cooling-off period

11. Southdowns

• Covers travel again FCDO advice
• Coverage for 110 sports and activities
• Comperhensive policies

Travel insurance can be particularly valuable to seniors, who generally face more health issues than younger travellers. 

Incidentally, that’s one of the very reasons why it can be a bit challenging to find the right travel insurance.

To help you find the best deal out there, we’ve rounded up the best travel insurance for seniors available on the UK market and broken down everything you’ll need to know before making a purchase.

Let’s dive in.

Detailed Reviews

1 . staysure.

• Rating:10/10
• Coverage duration: 183 days in a year (annual)
• Locations covered: Worldwide
• Age limit: No upper limit
• COVID coverage: Yes

Staysure is one of the most popular insurance providers in the UK that specialises in providing tailored travel insurance for the elderly .

Staysure travel insurance for seniors has two main plans: single trip and multi-trip (annual).

Its insurance packages have no upper age limit , cover people with pre-existing medical conditions, and boast a comprehensive COVID cover, which is included in all plans.

The annual plan is a great choice for frequent travellers, with up to 183 days covered in a year, making it one of the best multi-trip travel insurance providers for seniors. However, you’ll still have to keep your trips to under 50 days (or 35 days if you’re over 71).

The best part about this insurance product is that customers can customise their insurance package and choose from a wide range of optional extras such as Gadget covers , Winter sports , and even Cruise Plus coverage.

• Unlimited cover available
• Legal protection cover option
• Worldwide support for medical emergencies
• Excess limited at £65

2 . AllClear

• Rating: 9.9/10
• Coverage duration: Up to 92 days
• Age limit: No limit

AllClear is the perfect choice for senior citizens who struggle to find travel insurance due to their pre-existing conditions.

The company offers coverage for over 1300 medical conditions , including cancer and diabetes, and reimburses customers for End Supplier Failure. (Here’s everything that AllClear covers in its policies )

The amount of cover depends on the plan you choose (Gold, Gold Plus, and Platinum) but they all include recuperation stay and COVID cover. 

AllClear also offers a wide range of optional extras such as Gadget Cover, Golf Cover, and Cruise travel insurance, as well as Winter sports cover for those under 65.

When it comes to pricing, All Clear premiums may be slightly more expensive compared to their competitors, but that’s mostly because it works with people who have serious pre-existing conditions.

• 24/7 helpline
• No age r estrictions
• Free extended cover
• Winter sports cover limit at 65

3 . Coverwise

• Rating: 8.5/10
• Coverage duration: Up to 31 days
• Age limit: 65-75

Coverwise has several travel insurance policies that are underwritten by AXA, one of the leading UK travel insurers. 

It has both single and annual trip policies that stretch over 5 levels of cover (Standard, Bronze, Silver, Gold and Platinum) and cover emergency medical expenses of up to £20,000,000 , lost or stolen baggage, personal money and cash, liability, and accidents. 

The company provides travel insurance for pensioners with pre-existing medical conditions, including those who are currently receiving medical treatment, but only for those that are no older than 75 (and only to people under 65 for their annual plans). 

Although they do have policies that are aimed at people with different pre-existing conditions, screening is mandatory and you’ll have to meet certain eligibility requirements to get a quote. 

On the plus side, all Coverwise policies include COVID coverage and you can add cover for winter sports for an extra cost .

• Enhanced COVID -19 cover
• 5 insurance policy cover levels
• Not available to people over the age of 75

4 . Globelink

• Rating: 9/10
• Coverage duration: 60 days (single); 31 days (annual)
• Age limit: 89 years

Globelink is an award-winning insurance company that offers a wide range of insurance products, including travel insurance for older travellers , but only for those under the age of 89.

Their policies cover over 50 pre-existing medical conditions for free , meaning you won’t need to pay extra if you have diabetes or high blood pressure. Globelink customers also get free COVID coverage and a 20% discount on COVID testing.

What’s more, Globelink’s standard policies include coverage for more than 100 activities, cruise trips, as well as 17 days free winter sports coverage on 45+ day trips, making this insurer one of th e best overseas travel insurance providers f or active seniors. 

You can also pay extra to add more cover to your policy for a return home option, excess waiver, and event cancellation, among other things. 

• Baggage cover
• Adventure activities covered in all policies
• Limited cancellation policy

5 . Post Office

• Rating: 8.9/10
• Coverage duration: 365 days (single trip); 60 days (annual trip)
• Age limit: Up to 75 for multi-trip policies

Post Office is one of the UK’s largest financial service providers that offers a host of financial products, including pensioner travel insurance .

Their Single trip cover has no upper age limit, while the annual multi-trip cover is available for those under 75. The policies include coverage for emergency medical expenses and repatriation, cancellation , and lost baggage. Post Office also considers all medical conditions and provides COVID coverage on all policies for free.

Furthermore, you can customise your policy by adding one (or more) extras such as cruise, gadget, winter sports and golf cover, as well as cover in case of terrorism and natural catastrophes . There’s also an option to add excess waiver.

• No age limit o n Single trip plans
• 5 different levels of cover
• Numerous add-ons
• Annual trip plans are limited to those under 75

6 . CoverForYou

• Rating: 8.7/10
• Coverage duration: 356 days (single); 62 days per trip (annual)
• Age limit: Up to 76

CoverForYou is an online insurance specialist that offers car hire excess and gadget insurance, as well as senior travel insurance in the UK for people up to 76.

Their policies provide coverage for most pre-existing medical conditions, as well as COVID-19 coverage. 

The single trip policy is available for people under the age of 75 covers up to 365 days, while the annual plan i s limited to people under 70 and covers a maximum of 62 days per single trip.

In addition to covering more than 100 sports and activities as standard, CoverForYou offers plenty of extras , such as coverage for winter sports, golf and cruise cover.

CoverForYou even has a unique loyalty club scheme , where they offer exclusive member benefits for policy holders, such as discounts and awards.

• Zero excess on all policies
• Over 100 sports and activitie s covered
• The age limit i s 76

7 . Goodtogoinsurance.com

• Rating: 9.8/10
• Coverage duration: 94 days (single); 31 days per trip (annual)

Covering all sorts of medical conditions from asthma and epilepsy to mental health conditions and even a terminal prognosis, Goodtogoinsurance is one of the best travel insurance companies for seniors with pre-existing conditions . 

The company offers three levels of cover (Silver, Gold, and Platinum)  all of which include COVID, insolvency cover, and cruise holidays, making it the best cruise travel insurance for seniors. 

Their single trip and annual travel insurance policies have no upper age limit and come with 24 hour emergency medical support, loss of medication cover, and mobility aids cover. 

The best part about Goodtogoinsurance.com policies is that it allows customers to add their travel companion to the policy , regardless of whether they have an existing medical condition or not. This means that they will also be covered if the trip is cancelled due to a medical emergency.

• 24/7 access to virtual doctor
• Travel dispute cover available
• Medical expenses up to £10 million
• Slow at processing claims

8 . World First

• Rating: 9.7/10
• Coverage duration: 60 days (single); 31 days per trip (annual)
• Age limit: 100 years

World First is an award-winning insurance provider that specialises in providing low-cost travel insurance for a range of customers including elderly with medical conditions.

The company provides cover for thousands of medical conditions, including cancer, angina, and deep vein thrombosis, and was one of the first to introduce coverage for HIV patients.

One of its greatest perks is its add-ons– you can opt for emergency medical expenses cover of up to £10 million or coverage for technology and sporting equipment. 

Another reason why the company’s travel insurance policy for pensioners  is affordability– World First has one of the most competitive prices on the market . 

Finally, World First covers more than 75 s ports and activities for free, so they’re also a popular choice for those who want to remain active on their vacation. 

• Competitive prices
• Free coverage for over 75 sports
• Online medical screening
• No coverage for war or terrorism

9 . Free Spirit

• Rating: 9.5/10
• Coverage duration: 94 days (single); up to 42 days (annual)
• Locations covered: Worldwide, excluding Afghanistan, Liberia and Sudan
• Age limit: No age limit

Being one of the first companies to offer travel insurance for the elderly with medical conditions, Free Spirit is a top choice for many senior travellers.  

They specialise in providing travel medical insurance for seniors and cover most pre-existing medical conditions, disabilities and even terminal diagnoses. 

Travellers can choose between two levels of coverage : Super and Super Duper, both of which are customisable, with some optional extras, such as an additional cover for winter sports or gadget cover. 

One thing that sets Free Spirit apart is that they are specifically dedicated to people with mental health conditions who may have difficulties in finding cover elsewhere. 

Like World First customers, those that buy senior travel insurance from Free Spirit also get free cover for sports activities , but for more than 100 sports.

• Aftercare at home covered
• Cover for cruise included
• Extended journey disruption cover
• Partial refund if you end up not going to the trip

10 . OK to Travel

• Rating: 9.4/10
• Coverage duration: 184 days (single trip)
• Plans available: Standard, Premier and Premier Plus
• Age limit: No age limit on (up to 3 months)

OK to Travel is a specialist holiday insurance provider that offers the cheapest travel insurance providers for pensioners that covers a long list of disabilities . 

The benefits that come with its standard travel insurance for senior citizens include cover for cancellation, medical expenses, and personal accidents.

OK to Travel offers two other plans that are more comprehensive, which additionally feature lost medication, mobility aids, end supplier financial failure cover , as well as after-care cover for post-hospitalisation. 

There’s also an option to tailor your policy with winter sports and gold cover and buy protection against hazardous activities at an extra cost. 

Finally, the company will give you a full refund in case you need to cancel your trips (within 14 days) and can add a companion to your policy.

• Competitive rates
• Post-surgery cover
• No age limit on trips up to 3 months
• Doesn’t cover severe medical conditions

11 . Southdowns

• Rating: 8.3/10
• Coverage duration: 31 days (annual); 90 days (single)
• Age limit: Up to 75

Southdowns is a popular insurer that has great policies for travel in Europe, all of which are underwritten by AXA.

They offer both annual multi-trip and single-trip policies for people up to the age of 65 and 75 respectively, with varying levels of cover to suit your needs and budget. 

All policies include emergency medical expenses, curtailment, trip cancellation, baggage, and personal money cover as standard , and you can increase your cover by spending a little more. 

Every Southdowns customer also gets full coverage for COVID-related emergencies, such as falling ill abroad or having to cancel a trip due to the virus. 

The best part about this insurer is that the cover extends to travel against the Foreign, Commonwealth, and Development Office (FCDO), but the claims can’t be COVID-related.

• Coverage for most pre-existing medical conditions
• Emergency medical expenses up to £20 million
• Trip cancellation cover
• Age limit on single and annual policies

Travel Insurance Guide

Here’s what to focus on when looking for a good travel insurance policy :

The cost of the insurance depends on the perks that come with it. Most insurance companies that provide insurance policies to seniors offer the same standard cover with varying levels. If you’re looking for insurance that covers more serious medical conditions, you will likely have to pay more.

Planned activities and add-ons

Some insurance policies include cover for certain activities, like winter sports, but most offer them as add-ons. 

Benefits covered

The main benefits you should look for when shopping for a travel insurance policy for older people are cancellation coverage , medical expenses, emergency evacuation benefits, as well as personal belongings cover.

Destinations covered

Not all insurance companies offer worldwide coverage. It’s important to check whether the insurer can cover you in your target destination before signing an agreement.

Plans available

Frequent travellers can save time and money by opting for an annual plan instead of a single-trip travel insurance policy.  What’s more, most insurers offer annual plans that have no upper age limit.

If you can, and if your insurer allows it, you might want to consider paying an excess on your insurance. This is a contribution you pay on top of your insurance premiums toward the cost of the claim. This way, in case you need to make a claim, you will pay less. On the other hand, there are insurance providers that have zero excess policies.

Customer Support and Customer Satisfaction

For seniors, finding an insurance company that has a good rating and a customer support team that is 24/7 available can be crucial– it means you will be able to call them whenever you need.

You may be interested in: Travel insurance for people over the age of 80.

Tips for Travelling as a Senior

Even if you get the best travel insurance policies for senior citizens , there are some things you need to take care of when travelling abroad.

• Don’t forget your medication : Always bring medication for several extra days. This way, you’ll be covered in case your trip is delayed or prolonged.
• Get to the airport early: If you arrive at the airport early, you’ll have enough time to find the right terminal and gate and avoid heavy crowds.
• Make copies of your travel documents : You should always keep copies of all your travel documents in case some get lost.
• Drink plenty of water : Travel dehydration is a real thing. When travelling (especially if you’re flying) make sure to drink plenty of water. 
• Avoid heavy luggage : Travelling light minimises the risk of your belongings getting stolen. You also won’t have to worry about carrying heavy luggage around or picking it up from the baggage carousel. 
• Bring healthy snacks : Having a few healthy snacks on hand is always a good idea in case you get hungry during your trip.
• Stretch often : Stretching prevents cramping and fatigue and is highly recommended during travel, especially on long flights. 
• Ask attendants for help: You shouldn’t hesitate to ask the crew members to lift your bag or get you a cup of water– most of them would be happy to help!

Did you know? The UK records around 120 million domestic trips every year.

Bottom Line

Travelling can be much easier when you have the right type of travel insurance in case anything goes wrong. Although finding good travel insurance for senior travellers can be challenging, you can still find an affordable policy by turning to one of the insurers that specialise in offering policies to older travellers.

Can a 75-year-old get travel insurance?

There are many insurance companies that specialise in providing travel insurance for the elderly with medical conditions .

Is it worth it to get travel insurance?

Travel insurance is often worth the investment as it can help you save hundreds of dollars on unexpected travel-related expenses.

What medical conditions do you have to declare for travel insurance?

You’ll need to declare any and all pre-existing medical conditions you’ve been diagnosed with within the past several years, as well as surgeries, mental health issues, and terminal diseases. Failing to do so can invalidate your policy.

Does travel insurance increase after age 70?

Travel insurance costs tend to go up as you get older because you’re statistically more likely to make a claim if you’re older. 

Will travel insurance cover flight cancellation due to COVID?

The best travel insurance for seniors comes with COVID cancellation cover. 

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Travel Insurance For Over 75

• For UK, EU and EEA residents including residents of Iceland, Liechtenstein and Norway
• Over 50 pre-existing medical conditions are covered as standard
• 24 hour Emergency Medical assistance
• Geographical limits

What is Travel Insurance For Over 75?

Travel insurance for over 75 years old travellers at Globelink International is well-balanced to be affordable enough and to fit most of seniors wanting to see the world. Globelink offers travel insurance for over 75 – Single trip Economy, Regular and Comprehensive, the later covering up to 6 months. Each of these travel covers has its own significant features. Globelink travel insurance products cover a wide range of pre-existing medical conditions such as Asthma, Cataracts, Diabetes, High blood pressure, Tonsillitis etc.

"You are never too old to set another goal or to dream a new dream." C.S. Lewis

Senior travel insurance for over 75 years old travellers have been designed to cover United Kingdom and European Union residents travelling independently or on a package/self-catering type holiday, cover for cruising is standard.

You may purchase a policy by a phone call to the office on - 00 44 (0) 1353 699082 or purchase directly from the Website - by clicking on Quote and Buy. Quotation Wizard is intuitive and very easy to use, getting a travel insurance certificate will take only a few minutes. Compare multiple quotes and get covered!

Economy Single Trip Insurance

The most cost effective policy for budget travellers.

This policy is designed for UK, EU and EEA residents including residents of Iceland, Liechtenstein and Norway aged up to 84 years travelling independently or on a package holiday with a trip duration ranging from 1 to 60 days.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - Nil

Regular Single Trip Insurance

Regular stay policy is best if you only take one holiday or are only travelling to one destination.

Globelink Regular Stay policy is designed for UK, EU and EEA residents including residents of Iceland, Liechtenstein and Norway aged up to 84 years travelling independently or on a package holiday with a trip duration with a maximum duration of up to 60 days.

• Baggage - up to £1,000 in total (you can increase the single article limit via the Extras)

Comprehensive Policy Age 71 to 79

Travel Insurance policy for up to 6 months at a time. 24-hours emergency medical assistance service.

Cover for most common pre-existing medical conditions included for free. Get the best value for your money with no hidden costs!

• Cancellation or Curtailment - up to £6,000 in total; (excess - £250)
• Emergency Medical Expenses - up to £10,000,000 in total; (excess - £250)
• Baggage - up to £3,000 in total; (excess - £50)

Comprehensive Policy Age 80 to 89

Single trip travel insurance policy for up to 3 months at a time. Cover for both for UK and EU citizens.

Globelink comprehensive travel insurance for travellers aged over 80 was designed with senior travellers in mind and includes specific covers that is essential for this age group of travellers.

• Cancellation or Curtailment - up to £6,000 in total; (excess - £300)
• Emergency Medical Expenses - up to £10,000,000 in total; (excess - £300)

Annual Policy Age 75 to 79

Unlimited number of trips during a 12 month period with each trip duration of up to 60 days in Europe or 31 days Worldwide.

This Annual Travel Insurance Policy has been designed for Individuals or Couples aged 75 to 79 who undertake several trips of up to 60 days trip duration in a 12 month period (depending on where you are travelling).

See also: Travel insurance over 65 , Travel insurance over 70 , Travel insurance over 80

Still have questions?

Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Travel Insurance

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were an EU RESIDENT, or you need to view the Policy Wording we issue to EU Residents, please click here to visit our Globelink EU site.

*If you purchased your Travel Insurance policy prior to Jan 2022, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a STAYCATION Policy please see the *last PDF at the bottom of this page – for the Staycation Policy Wording

Policy Wording for Policies issued to UK residents (Living in the UK only) from from 29th November onwards .

Policy wording for policies issued to uk residents (living in the uk only) from 1st october 2023 to 28th november ., policy wording for policies issued to uk residents (living in the uk only) from 1st june 2022 to 30th september 2023 ., policy wording for policies issued to uk residents (living in the uk only) from 1st feb 2022 to 31st may 2022., policy wording for policies issued to uk residents (living in the uk only) from 30th dec 2020 to 31st january 2022, policy wording for policies issued to uk residents (living in the uk only) from 29th oct - 29th dec 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st oct - 28th oct 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st feb – 10th august 2020.

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

Get 20% OFF Covid Testing with any Travel insurance purchase

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Foreign travel insurance

If you’re travelling abroad, it's important to take out appropriate travel insurance before you go.

If you travel internationally you should buy appropriate travel insurance before you go. If you already have a travel insurance policy, check what cover it provides for coronavirus-related events, including medical treatment and travel disruption, and any planned activities such as adventure sports. If you are choosing a new policy, make sure you check how it covers these issues.

If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds.

For example:

You should buy your travel insurance as soon as possible after booking your trip. Read the small print, and familiarise yourself with any exclusion clauses for the policy.

When you travel, make sure you take your insurance policy details with you, including the policy number and your insurer’s emergency assistance telephone number. Share your policy details with people you’re travelling with and friends or family at home, in case they need to contact your insurance company on your behalf.

The Association of British Insurers (ABI) represents over 200 insurance companies. Read ABI’s advice on travel insurance , including how COVID-19 can affect it, and their guide on choosing the right travel insurance policy .

In addition to making sure you have appropriate insurance, you should check and sign up to travel advice for your destination.

What to consider when you buy travel insurance for you and your family

• emergency treatment and hospital bills can be expensive. Check whether your policy covers treatment in public or private hospitals
• emergency transport, such as an ambulance, is often charged separately to other medical expenses, and emergency travel home on medical grounds can also be expensive
• pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if anyone gets ill during your trip. Failing to declare something may invalidate your travel insurance
• all activities you may undertake on holiday, such as sports or adventure tourism (you may need specialist insurance for some activities). Also consider all the places you intend to visit, even if you are in transit, in case anyone needs emergency treatment in another country
• cruises generally require an additional level of cover because it is more difficult to get to hospital for treatment. Check the booking conditions of the operator you plan to sail with
• repatriation costs if you or a family member die abroad
• getting home after medical treatment if you cannot use your original ticket
• reasonable costs for a family member or friend to stay with you, or travel out to accompany you home, if required
• 24-hour assistance helplines to offer support and advice about appropriate treatment
• COVID 19 cover for if you or family members cannot return home because you/they test positive for COVID during your travel. Check your insurance covers additional costs such as alternative flights, accommodation and COVID tests. You should also check your insurance provides cover if you cannot reach your final destination during transit due to COVID-19
• within Europe, some insurers may waive any excess on medical treatment if you use a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC). Check the terms of your policy or contact your insurer to see if this is the case. EHIC and GHIC allow you to access state-provided medically necessary healthcare within the EU and Switzerland on the same terms as residents of these countries. Note that EHIC and GHIC are not alternatives to travel insurance as they do not cover any private medical healthcare costs, repatriation or additional costs such as mountain rescue in ski resorts. Find out more about the EHIC and GHIC, including how to apply for one free of charge
• ATOL is a consumer protection scheme for air holidays and flights, managed by the Civil Aviation Authority (CAA) . Some insurance policies do not provide cover for when airlines or suppliers go out of business. Choose an ATOL-protected holiday or a travel insurance policy that includes airline or supplier failure cover

Policy exclusions

Check how an insurance policy covers:

• alcohol and drugs: most travel insurance policies do not cover events that happen after you have drunk excessive alcohol or taken recreational drugs or other substances
• high risk destinations: many travel insurance policies will not cover travel to a high risk destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all but essential travel or all travel. Check your policy wording and the relevant country travel advice pages before booking your trip and buying insurance
• mental health conditions: some policies may exclude cover for treatment related to a pre-existing mental health condition. For more guidance see foreign travel advice for people with mental health issues
• age restrictions: check whether there are any age-related restrictions if you are buying an annual policy. The Money Advice Service provides guidance on how to choose the right level of cover, get the best deal, and make a travel insurance claim. It also has specific guidance for travellers over the age of 65 or with pre-existing medical conditions
• sports such as bungee jumping, jet skiing, winter sports or skydiving: these are not usually included in standard policies. Use of quad bikes and hire of mopeds is also usually not covered
• driving overseas: check Driving abroad . If you’re hiring a car, check what cover the hire company provides. If you are driving your own vehicle, check your motor insurance policy to see what it covers
• terrorist acts: most policies offer only limited cover for terrorist acts. As a minimum, make sure your policy covers you for emergency medical expenses and travel home if you are caught up in a terrorist attack. Some travel insurers offer policy add-ons to provide additional cover if there is a terrorist attack in your destination. This may include cancellation cover, if your destination is affected by a terrorist attack before your trip and you decide you no longer wish to travel
• other incidents: some policies only offer limited cover for claims related to or caused by a natural disaster (such as an earthquake or tropical cyclone) or civil unrest. You may also not be covered for some claims that arise from an incident (such as strikes or other industrial action) that was known publicly when you booked your trip and/or bought your travel insurance policy

Insurance for extended periods of travel

‘Long-stay’ travel insurance can cover extended periods of continuous travel. Check carefully the maximum duration allowed in any policy you consider buying to ensure that it meets your needs.

Make sure that the entire policy meets your needs, including specific activities and work (paid or unpaid) you may undertake.

Insurance if you live abroad or go for work or study

Travel insurance is not intended for permanent residence abroad. If you live overseas, or you’re planning to move to a different country to live, work or study, you should consider your insurance needs carefully. Local law may require you to have medical insurance, including as part of a visa application.

Read the healthcare guidance in the Living in guide for the country where you live to ensure you have the right healthcare arrangements for your circumstances.

You can buy private medical insurance for UK expatriates. You can also buy insurance from local providers overseas. You should always check policies carefully, including seeing whether you could transfer medical cover if you re-locate to other countries in future.

Support for British nationals abroad

Support for British Nationals Abroad explains how the FCDO can provide support to British nationals if things go wrong abroad.

Reviewed and updated guidance in full.

Updated guidance on using an EHIC or GHIC to access healthcare in Switzerland.

Updated to reflect new rules for travelling to amber list countries.

Updated COVID-19 section on new rules for international travel from 17 May.

Updated to reflect current COVID-19 travel guidance

New link to the declaration form for international travel (for England), from 8 March.

Edited grey box at top of page to provide further information on requirements coming into affect from 15 February

From 15 February you will need to quarantine in a government-approved hotel if you arrive in the UK from countries on the travel ban list.

Updated with new requirements coming into effect from 4am on 18 January 2021.

Updated with information on pre-departure testing for everyone travelling into England and Scotland.

Updated to reflect latest UK COVID-19 restrictions.

Updated the section on travel to Iceland, Liechtenstein, Norway and Switzerland, to reflect changes from 1 January 2021.

Updated ‘Travel to the EU’ section to reflect that UK-issued European Health Insurance Cards (EHIC) will still be accepted in EU countries, with different guidance for people travelling to Norway, Iceland, Liechtenstein and Switzerland from 1 January 2021.

Updated COVID-19 travel guidance

Updated to reflect the latest Tier-based COVID-19 rules for England

Updated to reflect the 5 November national restrictions for England relating to travel

Updated EU travel section with information on EHIC validity

New information on making sure your travel insurance covers you for coronavirus-related events

Update to contents including addition of new segments; travel insurance after starting travel or changing your plans, making a travel insurance claim, other financial protection and if you’re not covered.

Added information on financial protection of package holidays.

Information on the use of European Health Insurance cards (EHIC) in the event of a no deal added to the EU Exit update section

EU Exit update with advice on checking insurance coverage when travelling to Europe after the UK leaves the EU.

Content and format changes

Inclusion of Association of Travel Insurance Intermediaries (ATII) information.

Updated information on travel insurance

First published.

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Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

• Allianz Travel Insurance
• Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

• Allianz Travel Insurance: Best Annual Coverage
• Trawick International: Best Premium Travel Insurance for Seniors
• GeoBlue: Best Travel Medical Coverage for Expats
• IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
• WorldTrips: Best for Flexibility

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

• Coverage for COVID-19
• Trip cancellation coverage up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical evacuation coverage up to $100,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $200
• Travel delay coverage up to $600 ($200 daily limit)
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000
• 24-hour hotline for assistance
• Concierge service
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

SEE FULL REVIEW »

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• $750 in emergency dental coverage
• $2,000 in coverage for baggage and personal effects
• $400 in baggage delay coverage
• 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

• Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
• Emergency and nonemergency medical evacuation coverage
• Coverage for emergency reunions
• Return of mortal remains
• Trip interruption coverage worth up to $5,000
• Lost luggage coverage worth up to $250 (up to $50 per item)
• Coverage for terrorism worth up to $50,000
• Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

TechBullion

Best travel insurance for seniors 2024.

Travel is an exciting adventure, but it also carries risks. As people age, they are more prone to unexpected health problems and accidents. Travel insurance covers medical emergencies, trip cancellation or interruption, lost luggage, and other travel mishaps. By purchasing insurance, you can gain peace of mind and financial protection.

This guidebook was created by analyzing statistical data from over 70 companies. We have meticulously compared the top providers of travel insurance for seniors, delving into the most important coverage options, explaining pre-existing conditions and age restrictions, verifying costs, the claims process, COVID-19 considerations, and more. With this information, seniors can travel with confidence knowing they have found an affordable policy that meets their needs.

Best Senior Travel Insurance Companies

When purchasing travel insurance for seniors, it is essential to find a reputable provider that offers comprehensive coverage options tailored to your needs. Here are some top providers to consider:

Travel insurance for seniors

– 24/7 Emergency Assistance 

– Emergency Medical Coverage 

– Cancellation for any reason 

Travel Insurance for Seniors provides extensive coverage, including COVID-19 coverage, foreign emergency assistance, and hospital and medical coverage, that is specifically designed to meet the needs of elders. The coverage can be quickly applied for online and has an AA+ rating. The best annual travel insurance policies provide 24-hour emergency support, safe transportation, and limitless medical payment coverage. Traveling the world is easy for seniors thanks to attentive customer service.

• Comprehensive coverage for medical emergencies and trip cancellation/interruption.
• Specially designed coverage for senior travelers, including coverage for pre-existing conditions.
• No age restrictions on many AARP travel insurance plans, making them available to those over 70 or 80 years of age.

Disadvantages 

• Limited coverage for pre-existing conditions may leave some seniors unprotected.
• Trip length and destination restrictions may limit travel flexibility for seniors.
• Certain adventurous activities and extreme sports are excluded and may not be to the liking of senior travelers.

Other Services

• Emergency evacuation
• Travel Insurance
• Domestic Travel Insurance

Ready to safeguard your travels with reliable coverage? Explore our comprehensive travel insurance plans for seniors today for peace of mind and financial protection for your next adventure. 

– Emergency Medical Benefits 

– Benefits for Trip Cancellation

– Age-Friendly Regulations

Senior travelers up to 85 years old can choose from a variety of travel insurance policies designed especially for them by Allianz Global Assistance. These regulations cover a wide range of needs, including shortened trips, delayed personal items, and delayed departures. Allianz provides alternatives for individual travel as well as yearly coverage, with plans catered to both incoming and outward travel. Their insurance provides peace of mind for seniors traveling around Europe and the world, with an age limit that promotes safe and secure travel.

• Broad selection of products, encompassing both annual and single-trip coverage.
• Coverage for canceled flights, lost luggage, and delayed departures.
• Accessible for travel both in and out of the country.
• Coverage throughout the world, including Europe.

Disadvantages

• Certain policies have strict age restrictions that limit older seniors’ access to coverage.
• Senior travelers may pay a greater premium.
• Travel restrictions may restrict the availability of some plans.
• Coverage for Trip Interruptions
• Services for Concierge

– Global Network Assistance

– Adventure Sports Coverage 

– Emergency Medical Coverage

Serving clients in more than 190 countries for more than 20 years, International Medical Group (IMG) is a respectable supplier of travel and international medical insurance. They provide a range of policies to meet different needs, such as insurance for retirees, travelers, students, and foreign nationals. IMG distinguishes itself from several competitors by offering emergency treatment and medical evacuation coverage up to $8 million. Their insurance have higher coverage limits than most other providers, with medical limits of up to $8 million. In addition, IMG offers extra coverages that may differ depending on the plan, such as reimbursements for missed flights and pet kennel expenses.

• Over 20 years of customer service experience in the field.
• More than 190 nations are covered.
• provides emergency medical care and medical evacuation coverage up to $8 million.
• Offers a wide variety of plans for senior citizens and other needs.
• A number of negative customer evaluations exist regarding the handling of claims and customer support.
• Benefits for baggage delays are not included in many basic plans.
• Beyond Emergencies
• Assistance with Travel
• Referrals for Medical Care

Seven Corners

– Flexible coverage options

– Round-the-clock emergency assistance

– Emergency medical coverage

Renowned travel insurance company Seven Corners has several senior-focused plans to choose from. Comprehensive coverage for lost possessions, medical situations, and travel cancellations is included by these plans. Due to their affordable costs and extensive coverage limitations, which cover pre-existing diseases and medical evacuation alternatives, these plans are well-liked by elderly travelers. Seven Corners is a dependable option for senior travelers due to its effective claims procedure and top-notch customer support.

• Full coverage for lost property, medical situations, and travel cancellations.
• Reasonably priced with ample coverage limits.
• Pre-existing condition policies and medical evacuation options.
• Excellent customer service and a smooth claims process.
• Some insurance have age restrictions or have restricted coverage for specific conditions.
• Increased rates for elderly passengers.
• Seniors must carefully check the contents of their plans to make sure their needs are covered.
• Legal Support
• Services for Medical Translation

Trawick International

– Comprehensive benefits

– Plans that can be customized

For seniors traveling outside of the United States who are over 70, Trawick International is a great alternative because it provides senior travel insurance plans with greater features than other senior travel insurance options. Their insurance address the special requirements of senior travelers by offering complete coverage for medical emergencies, trip cancellations, and lost belongings. Trawick International is distinguished by its affordable rates and extensive coverage limitations, which include choices for medical evacuation and pre-existing condition coverage.

• Greater advantages compared to other senior travel insurance programs.
• Comprehensive protection against lost personal property, medical situations, and trip cancellations.

Disadvantages  

• Only insured individuals up to age 65 may access it.
• Certain factors may limit the coverage available under certain policies.
• Medical Disturbance
• Services for Medical Monitoring

What Is Covered by Senior Travel Insurance?

Senior citizen travel insurance typically includes coverage for medical emergencies, trip delays or cancellations, and delayed or lost luggage.

In terms of medical coverage, senior travel insurance abroad frequently comes with travel medical insurance, which provides hospitalization, emergency medical evacuation, and emergency medical expense coverage. Seniors should give their travel insurance policy’s medical coverage first priority.

Seniors’ travel insurance also covers interruptions or cancellations of trips brought on by unanticipated events like illness, injury, or a family member’s death. Coverage for non-refundable costs, including as pre-paid airfare, hotel, and tour fees, is available.

Seniors can also anticipate luggage loss or delay coverage, which pays for the expense of buying necessary clothing and toiletries and replaces any lost or damaged belongings.

How Much Does Travel Insurance for Seniors Cost?

The average cost of senior travel insurance ranges from $416 to $434 per trip. Age, destination, length of trip, coverage limitations, and any pre-existing medical issues, however, may all affect the price. It is advised that you compare quotations from several insurance companies, taking into account your unique travel requirements and circumstances, in order to receive an exact cost estimate.

It’s important to note that different insurance providers could have varying coverage options and cost structures for low-cost senior travel insurance, so it’s best to research your options before making a decision.

How Do I Select Travel Insurance for Seniors?

Take into account the following elements while selecting the finest senior travel insurance:

• Pre-existing Medical Condition Coverage: This is important for seniors, so look for policies that include coverage for pre-existing medical issues. Make that emergency medical evacuation and full medical coverage are included in the policy.
• Age Restrictions and Eligibility: Verify the senior population’s age restrictions and eligibility. Selecting an insurance provider that specializes in serving elders is crucial because certain policies may have age limitations.
• Coverage for Trip Cancellation and Interruption: Determine whether the policy provides sufficient coverage for delays or cancellations of travel, including payment of pre-paid and non-refundable travel expenses resulting from unanticipated events.
• Emergency Assistance Services: Verify if the insurance offers access to a worldwide network of healthcare providers as well as round-the-clock emergency assistance services.
• Benefit Limits and Deductibles: Examine the benefit limits and deductibles to make sure the coverage is adequate and meets your travel requirements.
• Flexibility and Customization of Policies: Seek out policies that enable customization according to the particulars of the trip and the person’s medical requirements.
• Examine client testimonials and ratings: To determine dependability and level of satisfaction, look for customer reviews and ratings for various insurance providers.
• Compare Multiple Quotes: Request quotes from various insurance companies and evaluate the prices, policies, and extra features each one offers.

Seniors can select the finest travel insurance by taking these elements into account.

It’s crucial to remember that the best travel insurance for seniors over 70 may differ depending on certain conditions, so it’s ideal to carefully go over the specifics of the policy and, if needed, get advice from the insurance company.

Frequently Asked Questions

Is travel insurance necessary for seniors.

Yes, seniors should definitely consider purchasing travel insurance. It offers protection against a variety of unforeseen circumstances, including lost luggage, medical problems, and more.

What age group does travel insurance consider senior?

Insurance companies may have different definitions of what constitutes a senior, but generally speaking, it is 65 years of age or older.

Does purchasing travel insurance for overseas trips cost a lot for seniors?

Seniors may pay a little bit more for travel insurance because of things like age and possible health risks. It is advised, therefore, that you evaluate quotes from several insurance companies in order to identify the finest coverage at a reasonable cost.

Which insurance does elderly travelers need to have the most?

For elderly travelers, medical insurance—more especially, emergency medical evacuation and travel medical insurance—is the most crucial type of coverage. When traveling, these coverages offer financial security and peace of mind in the event of unanticipated medical problems.

Do pre-existing diseases get covered by senior travel insurance?

Pre-existing medical conditions are often not covered by travel insurance for seniors, however certain policies allow you to get coverage for pre-existing conditions by waiving the exclusion for pre-existing conditions. Pre-existing conditions may be covered by this waiver, subject to specific limitations.

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How to Get the Best Car Insurance

Ryan Brady is a lead writer at NerdWallet and authority on car insurance and life insurance. Ryan enjoys unraveling complex insurance topics to help people make smarter financial decisions. His work has appeared in TechCrunch, MarketWatch, Yahoo, Nasdaq and more.

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For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

On a similar note...

Free car insurance comparison

Instantly compare top auto insurance companies.