Best Travel Insurance for Seniors Over 70 in the UK (2025 Guide):Travel is one of life’s greatest joys, and age should never be a barrier to exploring the world. If you’re over 70 and planning a trip abroad, having the right travel insurance is essential. It protects you from unexpected costs like medical emergencies, trip cancellations, lost baggage, or even COVID-19-related issues.
But what makes travel insurance different for seniors over 70? And which providers offer the best coverage in the UK? This guide will walk you through everything you need to know and help you choose the best travel insurance for seniors over 70 in the UK.
Why Seniors Over 70 Need Special Travel Insurance
As we age, insurance needs change. Many standard policies have age limits or exclude pre-existing conditions. For those over 70, premiums can be higher, and coverage more limited — especially for medical care abroad.
Here’s why you need senior-specific travel insurance:
- Medical cover for age-related conditions
- 24/7 emergency assistance
- Coverage for lost medications or equipment
- Trip cancellation and interruption protection
- Special COVID-19 cover
Key Features to Look For
When choosing travel insurance as a senior over 70, make sure your policy includes:
- High medical expense coverage (ideally £5 million or more)
- Cover for pre-existing medical conditions
- Emergency repatriation
- Trip delay and cancellation
- Baggage loss or theft
- Cruise and winter sports options (if needed)
- COVID-19 related cover
Best Travel Insurance Providers for Seniors Over 70 in the UK
Here are some top-rated providers offering senior-friendly travel insurance:
1. Staysure
- Specialises in senior travel insurance
- Covers pre-existing conditions
- No upper age limit on single-trip policies
- COVID-19 cover included
Extras: Optional cruise and golf cover
Website: staysure.co.uk
2. AllClear Travel Insurance
- Covers travelers up to age 100+
- Excellent for serious medical conditions
- Unlimited medical cover on some plans
Extras: Optional gadget and cancellation cover
Website: allcleartravel.co.uk
3. Saga Travel Insurance
- Designed exclusively for those over 50
- No upper age limit
- Covers most pre-existing conditions
- 24/7 medical assistance
Website: saga.co.uk
4. Avanti Travel Insurance
- Great for annual multi-trip policies
- Flexible options and add-ons
- High medical cover and cancellation protection
- COVID-19 cover included
Website: avantitravelinsurance.co.uk
5. InsureandGo
- Covers a wide range of ages and conditions
- Up to £10 million medical coverage
- Optional cruise and gadget cover
Website: insureandgo.com
Tips to Save on Senior Travel Insurance
- Compare quotes – Use comparison sites like MoneySuperMarket or Compare the Market.
- Be honest about medical conditions – Hiding conditions can void your policy.
- Consider a multi-trip policy – If you travel often, this can save you money.
- Only pay for what you need – Skip winter sports or cruise cover if not needed.
- Travel within Europe – Insurance for Europe is usually cheaper than worldwide cover.
Commonly Covered Pre-existing Conditions
- High blood pressure
- Diabetes
- Arthritis
- Asthma
- Heart conditions
- Cancer in remission
Always check the insurer’s definition and list of pre-existing conditions before buying.
Traveling after 70 can be a wonderful, enriching experience. With the right travel insurance policy, you can explore the world without worry. Look for plans that suit your health needs, travel style, and destination — and don’t be afraid to ask providers detailed questions.
Ready to travel with peace of mind? Compare quotes and get covered today. Safe travels!
FAQs
1. Can I get travel insurance if I’m over 80?
Yes. Providers like AllClear and Saga offer cover even if you’re over 80 or 90.
2. Does senior travel insurance cover COVID-19?
Most modern policies now include COVID-19 medical and cancellation cover, but always double-check.
3. Is travel insurance more expensive for seniors over 70?
Yes, due to increased health risks. But comparison shopping and honest disclosure can reduce costs.
4. Can I get insurance for pre-existing conditions?
Yes, but you must declare them when applying. Some policies may require a medical screening.