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Travel insurance for older and disabled people

Travel insurance for people aged 65 and over, or who have medical conditions, can be hard to find and is often expensive. How and where can you get insurance that suits your needs - and your pocket?

Here are some travel insurance tips for older people and for those who have medical conditions and/or health needs. They've been recommended by our sister consumer research organisation, Which?

Where to find travel insurance if you're over 65 or disabled

Which? logoTravel insurers tend to charge older people more because providers believe they're more likely to become ill on holiday. And premiums for people with long-term or medical conditions, or who've had serious illnesses in the past, are higher compared with travellers who are relatively healthy.

How can you find the best insurance deals with reputable firms?

  • Shop around, don't just go to the big name insurers
  • Look online for deals
  • Follow the links to Which? on this page
  • Consider a packaged account which includes travel insurance (the cover is often comprehensive and you pay a flat monthly fee for the account benefits)

If an insurer doesn't offer you cover and/or has maximum age limits, it will usually point you in the direction of a provider that can help.

Age limits

Some travel insurers have low maximum age limits, such as 65 or 70. If you're over 80 finding a good insurance deal can be difficult.

The Which? Best Rates for older people are in four age groups: 65-69; 70-74; 75-79; and 80 and over. You can see examples of the range of rates for two age groups, 65-69 and 80, below. The links take you to the full details for all age groups.

Cover for specific medical conditions

The Which? Best Rates providers for people who have medical conditions - for example, high blood pressure, diabetes, breast cancer or heart disease - and include some insurers you may not have come across before. These providers offer some of the best deals and include World First and BIBA (Holiday Travel +), which is also an insurance broker. 

European and worldwide single trip and annual cover

Which? Recommended Providers:

European single-trip (15 days)

Travellers aged 65 to 69
The cost of cover ranges from £18 to £21 from insurers including AnnualTravelInsurance and Letsgoinsure.

Travellers over 80
The cost of cover ranges from £44 to £59 from providers including Blue Bear Travel and Holidaysafe.

European annual policies

Travellers aged 65 to 69
The cost of cover ranges from £44 to £76 from insurers including Covered2Go and Letsgoinsure.

Travellers over 80
The cost of cover ranges from £248 to £320 from providers including Cover Cloud and Circle Cover.

Worldwide single-trip (24 days, including USA) policies

Travellers aged 65 to 69
The cost of cover ranges from £39 to £58 from insurers including AnnualTravelInsurance and Multitrip.

Travellers over 80
The cost of cover ranges from £131 to £222 from providers including Holidaysafe and Blue Bear Travel.

Worldwide annual policies

Travellers aged 65 to 69
The cost of cover ranges from £75 to £87 from insurers including Staysure and Saga.

Travellers over 80
The cost of cover ranges from £377 to £809 from providers including Insureandgo and Circlecover.

For full details of age groups covered and insurance rates, click the links above.

Last updated: February 2018


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