OVER 65S COVER EXPLAINED
What is travel insurance for over 65s?
Travel insurance for over 65s can help protect older travellers against unexpected events before and during a holiday. Depending on the cover level selected, this can include emergency medical expenses, cancellation, lost or stolen belongings and travel disruption.
Covered2Go does not offer a separate policy solely for over-65s. Instead, eligible travellers can choose from our Silver, Gold and Platinum cover levels, with both Single Trip and Annual Multi-Trip options available subject to the applicable age limits, eligibility requirements and policy terms.
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 and can include benefits for emergency medical expenses, cancellation, baggage and travel disruption.
Annual 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 45 or 60-day extensions available for an additional premium. Annual cover may therefore be worth considering if you travel more than once during the year and want one policy to cover multiple eligible holidays.
As with Single Trip cover, the benefits and limits available depend on the Silver, Gold or Platinum cover level selected, together with your age, destination, medical circumstances and policy terms.
Travelling with a medical condition?
Cover may be available for a wide range of declared pre-existing medical conditions following medical screening.
Find out about 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 select the level of protection 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 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 a wide range of pre-existing medical conditions following medical screening. Having a medical condition does not automatically mean you will be unable to get travel insurance.
Each traveller’s circumstances are assessed individually. The cover available and any additional premium will depend on factors such as your medical history, age, destination, trip duration and the cover level selected.
Conditions that may be considered
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Diabetes and high blood pressure
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Heart and circulatory conditions
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Asthma and other respiratory conditions
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Cancer, including previous diagnoses
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Arthritis and other long-term conditions
Why accurate medical information matters
You must answer all medical questions accurately and declare any conditions you are asked about during medical screening.
If a relevant condition is not declared and accepted, claims connected to that condition may not be covered.
You should also tell us about relevant changes to your health before travelling, in accordance with the policy terms.
Every medical condition is considered individually. Acceptance is not guaranteed and an additional premium may apply following medical screening.
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. This means travellers in their 70s and 80s may 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.
Travellers aged 65 to 85
Eligible travellers may be able to choose either Single Trip or Annual Multi-Trip cover, depending on their travel plans and circumstances.
Travellers aged 86 to 99
Single Trip cover may still be available to eligible travellers up to age 99, subject to medical screening, eligibility requirements and policy terms.
Remember: Age limits are only one part of eligibility. Your destination, trip duration, medical circumstances and the type of cover selected can also affect the insurance available to you.
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, it’s important to choose travel insurance that covers your destination and the activities included in your trip.
EUROPE
European holidays
Cover for holidays to destinations such as Spain, France, Portugal, Greece and Italy. Travel insurance can help protect against emergency medical costs, cancellation, lost belongings and travel disruption.
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 make sure 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 will be 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 and any medical conditions or optional upgrades can also influence the total cost.
What can affect the price?
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Your age and the ages of other travellers
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Your destination and geographical cover area
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How long you are travelling for
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Single Trip or Annual Multi-Trip cover
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Your selected Silver, Gold or Platinum cover level
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Medical screening and any 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 to cover your prepaid holiday costs and consider the medical, baggage and travel disruption limits included.
You should also review the policy excess, optional upgrades and exclusions before deciding which policy is suitable for you.
Get a personalised quote. Enter your travel details to compare the 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 will depend on the circumstances of your claim and the section of the policy under which you are claiming.
The following are some important examples, but this is not a complete list. Always read the policy wording and your policy schedule for the full terms, conditions and exclusions.
Medical conditions not declared or accepted
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 FCDO, government, local authority or medical advice, including travelling after a doctor has advised you not to travel.
Known circumstances
Claims may not be covered if they arise from circumstances you knew about when the trip was booked or the insurance was purchased, whichever was later, where you could reasonably have expected them to result in a claim.
Uncovered sports and activities
Hazardous activities and sports are not covered unless they are included within your selected activity level and any required additional premium has been paid.
Alcohol, drugs or illegal acts
Claims resulting from excessive alcohol consumption, non-prescribed drugs, criminal acts or breaking applicable laws and regulations may not be covered.
Planned medical treatment
The policy is not intended to cover trips undertaken to obtain medical treatment or the cost of routine, elective or non-emergency treatment.
Check the full policy terms
Exclusions and claim requirements vary between sections. Read the full 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, flexible 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 up to age 99, while Annual Multi-Trip cover is available up to age 85.
Medical screening available
Cover may be available for a wide range of declared pre-existing medical conditions following medical screening.
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.
