TRAVEL INSURANCE FOR OLDER TRAVELLERS
Travel insurance for over 65s
Planning a holiday later in life should still feel straightforward. Covered2Go offers travel insurance for eligible travellers over 65, with Single Trip Travel Insurance available up to age 99 and Annual Multi-Trip Travel Insurance available up to age 85.
Depending on the policy and cover level selected, protection can include emergency medical expenses, cancellation, baggage, travel disruption and 24-hour emergency medical assistance. Terms, conditions, exclusions and eligibility requirements apply.
Single Trip up to age 99
For one eligible holiday, with trips of up to 365 days subject to eligibility and policy terms.
Annual cover up to age 85
Cover multiple eligible trips during a 12-month policy period.
Medical conditions considered
Pre-existing medical conditions may be covered subject to the applicable medical declaration requirements.
24-hour assistance
Emergency medical assistance is available 24 hours a day while travelling abroad.
Important: Age is only one part of eligibility. Your destination, trip duration, medical circumstances and policy type can also affect the cover available.
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CHOOSE THE RIGHT POLICY
Single Trip or Annual Multi-Trip travel insurance for over 65s?
The right option depends on how often you travel, how long you are away for and your age. Covered2Go offers both Single Trip and Annual Multi-Trip options for eligible older travellers.
Single Trip Travel Insurance for over 65s
If you are planning one holiday, Single Trip Travel Insurance can provide cover for that individual trip. Covered2Go Single Trip cover is available for eligible travellers up to age 99, making it an option for customers travelling in their 70s, 80s and 90s.
A Single Trip policy can cover one holiday lasting up to 365 days, subject to eligibility and policy terms. The cover available depends on the Silver, Gold or Platinum level selected.
Annual Multi-Trip Travel Insurance for over 65s
If you expect to take several holidays during the year, Annual Multi-Trip Travel Insurance can cover multiple eligible trips during a 12-month policy period. Covered2Go Annual Multi-Trip cover is available for eligible travellers up to age 85.
Each trip can last up to 31 days as standard, with optional 45 or 60-day extensions available for an additional premium, subject to eligibility and policy terms.
Travelling with a medical condition? Some specified medical conditions may be covered without medical screening where the applicable requirements are met. Other conditions need to be declared and accepted where required. Find out about pre-existing medical conditions cover.
WHAT YOUR POLICY CAN INCLUDE
What does travel insurance for over 65s cover?
Depending on the cover level you choose, travel insurance can help protect you against a range of unexpected events before and during your holiday. Covered2Go offers Silver, Gold and Platinum options, allowing you to choose the level of cover that best suits your travel plans.
Emergency medical expenses
Up to £10 million for eligible emergency medical treatment, hospital costs and repatriation if you become ill or injured while travelling.
Cancellation and curtailment
Up to £10,000 if you need to cancel your holiday or return home early for a reason covered by your policy.
Baggage and belongings
Up to £5,000 for personal belongings that are lost, stolen or accidentally damaged during your trip.
Travel disruption
Cover may be available for certain travel delays, missed departures and other unexpected disruption to your journey.
Personal liability and legal expenses
Protection for certain legal costs and if you become legally liable for accidentally injuring someone or damaging their property.
24-hour medical assistance
Access to emergency medical assistance 24 hours a day if you need support while travelling abroad.
Cover limits vary between Silver, Gold and Platinum. Terms, conditions and exclusions apply, so check the applicable Policy Wording and compare the available cover levels before purchasing.
MEDICAL CONDITIONS
Can I get over 65s travel insurance with pre-existing medical conditions?
Yes, cover may be available for pre-existing medical conditions, subject to the applicable policy requirements. Some specified conditions may be covered without medical screening where the requirements set out in the Policy Wording are met.
Other pre-existing medical conditions need to be declared and screened where required. Cover is subject to acceptance and an additional premium or special terms may apply. It is important to answer all medical questions accurately and follow the medical declaration requirements for your policy.
Examples of conditions that may be considered
✓ Diabetes and high blood pressure
✓ Heart and circulatory conditions
✓ Asthma and other respiratory conditions
✓ Cancer, including previous diagnoses
✓ Arthritis and other long-term conditions
Why accurate medical information matters
Where medical screening or a declaration is required, answer the questions accurately and provide the information requested.
If a relevant condition should have been declared but was not accepted for cover, a related claim may not be covered.
You should also follow the policy requirements regarding relevant changes in health before travelling.
Medical cover is subject to the policy terms. Acceptance is not guaranteed, and an additional premium or special terms may apply where screening is required.
AGE LIMITS
Can I get travel insurance if I’m over 70, 80 or 90?
Yes, depending on the type of policy you need and your individual eligibility. Being over 65 does not automatically prevent you from taking out Covered2Go travel insurance.
Single Trip cover is available for eligible travellers up to age 99, while Annual Multi-Trip cover is available up to age 85. Travellers in their 70s and 80s may therefore be able to choose between Single Trip and Annual Multi-Trip cover, while eligible travellers aged over 85 may still be able to obtain Single Trip cover.
Travel insurance over 70
Eligible travellers in their 70s may be able to choose Single Trip or Annual Multi-Trip cover, depending on their travel plans and circumstances.
Travel insurance over 80
Eligible travellers aged 80 to 85 may still have Single Trip or Annual Multi-Trip options. From age 86, Single Trip may remain available.
Travel insurance over 90
Single Trip cover may be available to eligible travellers in their 90s, up to age 99, subject to eligibility and policy terms.
Remember: Your age, destination, trip duration, medical circumstances and chosen policy all form part of eligibility and pricing.
COVER FOR YOUR HOLIDAY
Travel insurance for different types of holidays
Whether you’re planning a European break, a cruise or a long-haul holiday, choose travel insurance that covers your destination and the activities included in your trip.
EUROPE
European holidays
Cover for eligible holidays to destinations such as Spain, France, Portugal, Greece and Italy. Make sure your selected geographical area includes every destination on your itinerary.
CRUISES
Cruise holidays
Cruise Cover can be added for an additional premium and provides cruise-specific benefits, which may include cabin confinement, missed port departure and itinerary changes.
WORLDWIDE
USA and worldwide holidays
Worldwide cover may be suitable for destinations further afield. Medical treatment can be particularly expensive in countries such as the USA, so check that your chosen geographical area includes every destination on your itinerary.
Check your destination before travelling
Choose the correct geographical area for every country you plan to visit and check the latest UK government foreign travel advice. Travelling against official advice may affect your cover.
PRICING
How much does travel insurance for over 65s cost?
The cost of travel insurance for over 65s varies because every traveller and trip is different. Your premium is calculated using the information you provide when requesting a quote.
Age can affect the price, but it is only one of several factors considered. Your destination, trip duration, chosen cover level, medical circumstances and optional upgrades can also influence the total cost.
What can affect the price?
✓ Your age and the ages of other travellers
✓ Your destination and geographical cover area
✓ How long you are travelling for
✓ Single Trip or Annual Multi-Trip cover
✓ Silver, Gold or Platinum cover level
✓ Medical screening where required and optional cover upgrades
Choosing the right level of cover
Price is important, but the cheapest option may not always provide the protection your holiday requires.
Check that the cancellation limit is enough for your prepaid holiday costs and consider the medical, baggage and travel disruption limits included.
Review the applicable excesses, optional upgrades and exclusions before deciding which policy is suitable for you.
Get a personalised quote. Enter your travel details to compare available Silver, Gold and Platinum cover options and see the price based on your circumstances.
IMPORTANT EXCLUSIONS
What isn’t covered by travel insurance for over 65s?
Travel insurance cannot cover every possible situation. The exclusions that apply depend on the circumstances of your claim and the section of the policy under which you are claiming.
The examples below are not a complete list. Always read the applicable Policy Wording and your policy schedule for the full terms, conditions and exclusions.
Medical conditions not declared where required
Relevant medical conditions must be declared and accepted where required. Claims connected to a condition that should have been declared may not be covered.
Travel against official or medical advice
Cover may not apply if you travel against applicable official or medical advice, including travelling after a doctor has advised you not to travel.
Known circumstances
Claims may not be covered where they arise from circumstances known at the relevant time and the policy exclusion applies.
Uncovered sports and activities
Activities outside the cover provided by your policy may not be insured. Check the applicable activity cover before taking part.
Alcohol, drugs or illegal acts
Claims arising in circumstances excluded under the policy because of alcohol, drugs, illegal acts or criminal behaviour may not be covered.
Planned medical treatment
The policy is not intended to cover trips undertaken to obtain medical treatment or routine, elective or non-emergency treatment where excluded by the policy.
Check the full policy terms
Exclusions and claim requirements vary between sections. Read the applicable Policy Wording alongside your quote and policy schedule to make sure the cover meets your needs.
WHY COVERED2GO?
Why choose Covered2Go for over 65s travel insurance?
Covered2Go offers a choice of award-winning cover levels, options for older travellers and support before and during your holiday.
Which? Best Buy status
Covered2Go Silver, Gold and Platinum cover achieved Which? Best Buy status in 2026.
Rated Excellent on Trustpilot
Rated Excellent on Trustpilot with 4.6 out of 5 stars in 2026.
Cover for older travellers
Single Trip cover is available to eligible travellers up to age 99, while Annual Multi-Trip cover is available up to age 85.
Medical conditions considered
Pre-existing medical conditions may be covered subject to the applicable declaration, screening and acceptance requirements.
24-hour medical assistance
Emergency medical assistance is available 24 hours a day if you need support while travelling abroad.
UK-based customer support
Our UK-based Customer Care team is available to help if you have questions about your quote or policy.
Ready to arrange your travel insurance?
Get a quote and compare our Silver, Gold and Platinum cover levels based on your age, destination and travel plans.
