Compare over 70s travel insurance
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- Up to unlimited medical cover
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Can I get travel insurance if I’m over 70?
Travel insurance often gets more expensive once you turn 70 – and not every insurer offers the same level of cover.
That’s where we come in. At PayingTooMuch, you’ll see quotes from trusted insurers who regularly cover people in their 70s and beyond. Most include cover for pre-existing medical conditions – and you can check exactly what’s included before you buy.
Just tell us where you’re going, how long for, and what kind of cover you need. We’ll help you find a policy that fits – clearly, quickly and at a fair price.
What does over 70s travel insurance cover?
Most over 70s travel policies include the basics: emergency medical treatment, cancellations, lost baggage. But the details can vary.
You’re covered for:
Most of the time, you’ll be covered for the following.
✓ Medical expenses | Up to unlimited with some policies, including treatment abroad, overnight stays and prescription replacements. |
✓ Cancellation | Cover if illness, injury or unexpected events stop you from going away or mean you have to come home early. That includes if a partner or travelling companion is affected too. |
✓ Lost luggage | Help if your bags are delayed, damaged or don’t show up at all. Can include essentials like medication, mobility aids, glasses and other things you rely on. |
✓ Getting you home | If you fall ill abroad, some policies include emergency transport back to the UK, even with a medical escort if needed. |
You can also tell us about any pre-existing medical conditions during the quote process.
✗ Alcohol or drug-related incidents | Most insurers won’t cover claims that happen while under the influence. |
✗ Undeclared medical conditions | If you don’t tell your insurer about a pre-existing condition, you might not be covered if something goes wrong. |
✗ Travelling against medical advice | If your doctor recommends you don’t travel and you go anyway, your cover could be invalid. |
✗ Cancellations for personal reasons | If you choose not to travel or cancel for something that’s not listed in your policy, you’re unlikely to be covered. |
✗ Planned medical treatment abroad | Travel insurance is for unexpected emergencies – not care you’ve arranged in advance. |
Different insurance providers may have different policies for anything you’re not covered for, so make sure you read your policy documents in detail. This means that you’ll know exactly what your travel insurance covers you for.
Does over 70s travel insurance cover medical conditions?
We understand that finding travel insurance with a medical condition can feel more complicated – especially as you get older. Some insurers may charge more, exclude certain conditions, or even decline cover altogether.
PayingTooMuch work with trusted insurers who regularly cover a wide range of conditions – including cancer, heart conditions and diabetes. By comparing quotes with us, you can see exactly what’s available, helping you find the best deal for your trip – and giving you a bit more control over what you pay.
That’s what makes us different to ‘normal’ price comparison websites. We specialise in comparing travel insurance, including for customers who have pre-existing medical conditions, helping you find the right policy, no matter your health or age.
How to compare travel insurance for over 70s
When it comes to travel cover, it pays to compare – and that’s exactly what we’re here for. Here’s how to get started, step by step.
1. Add a few details about your trip
Click “compare quotes”. We’ll ask when you’re travelling, where you’re going, who’s coming with you, and if you need any optional extras like cruise protection. It only takes a minute, and it helps us show you top policies for your plans.
2. Tell us what cover you need
You’ll be able to disclose any pre-existing medical conditions, so we only show policies that include the right cover.
3. Compare your quotes
Once you've entered your details, we’ll show you all the quotes from trusted insurers, from cheapest to most expensive. Compare the options side by side to choose the right cover at a great price.
How much is travel insurance for over 70s?
Travel insurance often gets more expensive once you turn 70 – even if your travel plans haven’t changed. That’s because many insurers use age bands to set prices, and often raise premiums at 70, 75 or 80.
Your premium is shaped by a few key things:
- Your health
Conditions like high blood pressure, heart disease, arthritis or type 2 diabetes are common at this stage. Declaring them will usually affect your policy’s price.
- Where you’re going and how long for
Spain, France and Portugal are usually cheaper to cover than long-haul trips to the USA or Australia. If you’re spending longer abroad – whether it’s a few extra weeks or time at a holiday home – that can also raise the cost.
- Extras you choose to include
Extras like cruise cover can be added to your policy. They’re useful if they fit your plans, but come at an added cost, so it’s worth only choosing what you need.
When should you buy travel insurance for over 70s?
Once you’re over 70, plans can change, and having cover in place early means you’re protected if something gets in the way of your holiday. So it's worth considering buying your travel insurance as soon as you've booked your trip.
If you’re taking out single trip insurance, your cover starts as soon as you buy the policy, not when you go away. That means if something unexpected happens before your departure, like a medical issue or family emergency, you may be able to claim for cancellation costs.
For annual multi-trip cover (AMT), you’re covered for multiple holidays over a 12-month period. It makes sense to start your policy from the date of you book your first trip, or even a little earlier if you want cancellation cover in place right away. If you’re a frequent flyer, an AMT policy can often work out cheaper than buying a new policy each time.
Where can you go with over 70s travel insurance?
Spain for the winter? A cruise through the Med? Visiting family in the States? However you travel, over 70s travel insurance can help you get the right protection for your plans.
Most policies group destinations into Europe or Worldwide. European cover is often cheaper, and usually includes popular spots like Spain, Italy, and Greece – and sometimes Morocco, Turkey and Egypt too. Worldwide cover includes long-haul destinations such as the USA, Canada, the Caribbean and Australia.