Over 65 Travel Insurance: Complete Guide (What’s Included, How It Works & Choosing the Right Cover). Planning your next holiday? Whether you’re enjoying a relaxing beach break, a European city escape or a long-haul adventure, having the right travel insurance is essential—especially if you’re over 65. This guide explains what over 65 travel insurance includes, how it works, what affects the cost, and how to choose the right level of protection for your trip. If you’d like to compare prices instantly, you can get a quick over 65 travel insurance quote in minutes.
What Is Over 65 Travel Insurance?
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
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Longstay Travel Insurance – up to age 64
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 Affects the Cost of Over 65 Travel Insurance?
While insurance may cost more after 65, understanding what influences the price can help you choose the right level of cover.
1. Your Travel Destination
Destinations with high medical costs—such as the USA, Canada or the Caribbean—generally result in higher premiums. Medical treatment abroad can be extremely expensive, so it’s important to choose adequate medical cover for your trip.
2. Length of Your Trip
The longer you’re away, the higher the risk of illness or injury, which can increase your premium. Shorter holidays are usually more affordable to insure.
3. Taking a Cruise
Cruise holidays often require cruise travel insurance, which includes benefits such as:
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Missed port departure
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Cabin confinement
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Medical care on board
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Protection for lost or delayed luggage
Travellers over 65 may pay a little more for cruise cover, but it’s essential for specialist cruise-related risks.
4. Pre-Existing Medical Conditions
Pre-existing medical conditions must be declared during your quote. Our simple online medical screening helps assess the correct level of cover for your needs.
Conditions not declared will not be covered, so it’s important to be accurate when completing your medical information.
5. Activities & Sports Cover
If you’re planning activities such as golf, hiking, water sports—or colder-climate activities like skiing—you may need to add activity cover or winter sports cover.
This protects both you and any specialist equipment you take with you.
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
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 UK Holidaymakers Booking a Single Trip Holiday
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.
Page last updated: December 2025
