What Is Over 65 Travel Insurance?
Whether you’re planning a European getaway, cruise holiday, winter sun escape or long-haul adventure, choosing the right travel insurance can help you travel with confidence. Over 65 travel insurance provides tailored protection for travellers aged 65 and above. It typically includes cover for:
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Emergency medical treatment abroad
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Trip cancellation or curtailment
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Lost, stolen or damaged belongings
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Travel delays and missed departures
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Repatriation back to the UK
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Optional cover for pre-existing medical conditions
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Optional cruise or winter sports upgrades
Many standard travel insurance policies only cover travellers up to age 64. Covered2Go offers specialist policies for older travellers, including:
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Single Trip Travel Insurance – up to age 99
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Annual Multi-Trip Insurance – up to age 85
Travel Insurance for Over 65s with Medical Conditions
Many travellers over 65 live with one or more medical conditions. Following medical screening, cover may be available for a wide range of declared conditions.
Commonly declared conditions include:
- Diabetes
- High blood pressure
- Heart conditions
- Cancer
- Asthma
- Arthritis
Related: Travel Insurance for Medical Conditions
Over 65 Travel Insurance for Different Types of Holidays
European Holidays
Whether you’re travelling to Spain, France, Portugal or elsewhere in Europe, travel insurance can help protect against unexpected medical costs, cancellation and travel disruption.
Related: Europe Travel Insurance
Cruise Holidays
Cruises remain one of the most popular holiday choices for travellers over 65. Cruise Cover can be added to provide protection for cruise-specific scenarios such as cabin confinement and missed ports.
Related: Cruise Travel Insurance
USA Holidays
Medical treatment in the USA can be expensive, making travel insurance particularly important for travellers visiting America.
Related: USA Travel Insurance
Winter Sun Holidays
Many travellers over 65 enjoy winter escapes to destinations such as the Canary Islands, Cyprus, Madeira and Portugal, where warmer temperatures can be enjoyed throughout much of the year.
Why Choose Covered2Go?
We’ve helped thousands of travellers protect their holidays with award-winning travel insurance designed to provide confidence before and during your trip.
- Which? Best Buy Recognised Policies
- Excellent Trustpilot Rating
- Medical Screening Available Online
- Single Trip, Annual Multi Trip & Cruise Options
- FCA Regulated UK Travel Insurance Provider
- UK-Based Customer Support
Why Choose Specialist Travel Insurance for Over 65s?
As we get older, the likelihood of needing medical assistance during a trip increases—especially when travelling long distances. Specialist senior travel insurance ensures you have:
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Higher medical cover limits
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Access to 24/7 emergency assistance
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Cover that accepts age-related risks
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Options to declare and insure medical conditions
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Protection for cruise holidays and longer trips
With Covered2go, your policy is based on your personal circumstances, destination and duration—not a one-size-fits-all approach.
👉 Get a personalised quote online
What Does Over 65s Travel Insurance Typically Cover?
Cover levels vary by policy, but a typical policy may include:
✔ Emergency Medical Expenses
Including hospital treatment, ambulance fees and repatriation.
✔ Cancellation & Curtailment
Refunds for prepaid travel if you can’t go or must return home early.
✔ Personal Belongings & Baggage
Cover if your luggage is lost, stolen or damaged.
✔ Travel Delay or Missed Departure
Help with costs if unexpected delays disrupt your journey.
✔ Personal Liability
Protection if you accidentally injure someone or cause property damage.
✔ Optional Upgrades
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Pre-existing medical conditions
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Cruise cover
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Winter sports cover
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Activity packs for adventure holidays
👉 View full policy wording
Single Trip vs Annual Multi Trip Travel Insurance for Over 65s
If you’re aged 65 or over and travel regularly throughout the year, an Annual Multi Trip policy may offer a convenient alternative to arranging separate insurance for each holiday. Compare the key differences below.
| Feature | Single Trip | Annual Multi Trip |
|---|---|---|
| One Holiday | ✓ | ✓ |
| Multiple Holidays Per Year | Best for One Trip | May Be More Convenient |
| Worldwide Cover Options | Available | Available |
| Medical Screening Available | Available | Available |
| Cruise Cover Available | Optional | Optional |
| Suitable for Frequent Travellers | — | ✓ |
The most suitable policy will depend on your individual travel plans, destination, trip duration and personal circumstances. Please review the Policy Wording and Insurance Product Information Document (IPID) before purchasing.
FAQs: Over 65 Travel Insurance
Do you need specialist travel insurance if you’re over 65?
Generally yes. Many standard policies stop at age 64. Covered2Go offers:
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Single Trip – up to age 99
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Annual Multi-Trip – up to age 85
You will receive a personalised quote based on your age, destination and medical information.
Is EHIC or GHIC enough for travellers over 65?
No.
EHIC/GHIC only provides access to some state-provided medical care in Europe. It does not cover:
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Repatriation
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Cancellation
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Baggage
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Private medical treatment
Travel insurance is still essential.
What isn’t covered by over 65 travel insurance?
Common exclusions include:
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Undeclared medical conditions
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High-risk activities not added to your policy
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Incidents involving alcohol or reckless behaviour
Always check your policy wording for full details.
Who can I speak to about over 65 travel insurance?
Our customer support team is here to help with any questions. You can also use our online quote tool to compare cover options quickly and easily.
Essential Travel Resources for Over 65 Travellers
Travel Advice & Requirements
- UK Foreign Travel Advice – Get up-to-date information on visa requirements, travel restrictions, and safety tips for your destination.
- NHS Fit for Travel – Find health advice, vaccinations, and travel health recommendations.
- U.S. ESTA Application – If travelling to the USA, apply for your ESTA visa waiver online.
Cover limits, terms, conditions and exclusions apply. Please read the Policy Wording carefully to ensure the cover meets your needs.
Last reviewed: June 2026
Reviewed by the Covered2Go Travel Insurance Team
