Getting older shouldn’t mean giving up on travel. Cover is available at any age — and at insurd, there’s no upper age limit. Here’s what you need to know about getting the right policy.
Travel insurance
No upper age limit. Pre-existing conditions covered. Get a travel insurance quote in minutes.
Can you get travel insurance over 70?
Yes. Travel insurance is available in your 70s, 80s, and beyond. Some mainstream insurers impose upper age limits, but specialist providers and brokers can arrange cover regardless of age.
Does it cost more over 70?
Generally, yes — premiums increase with age because older travellers are more likely to need medical treatment abroad. The biggest factors affecting cost are:
- Pre-existing medical conditions — the main cost driver at any age
- Destination — the USA and other high-cost healthcare countries attract higher premiums
- Trip length — longer trips mean higher exposure
- Age — premiums typically increase at certain thresholds (70, 75, 80+)
Shopping around with a specialist insurer or broker will help you find a competitive rate.
Do you have to declare pre-existing conditions?
Yes — always. Common conditions among over 70s include heart conditions, high blood pressure, diabetes, cancer (current or historical), COPD, stroke history, and joint replacements. All must be declared.
Not declaring a condition could invalidate your entire policy — even for a claim unrelated to that condition.
What does travel insurance for over 70s cover?
The same core cover as any age:
- Emergency medical treatment and repatriation — especially valuable in countries with high healthcare costs
- Trip cancellation and curtailment — if illness or injury disrupts your plans
- Baggage and personal belongings
- Travel delays and missed departures
- Personal liability
For travel to the USA, a medical cover limit of at least £5 million is recommended. For Europe, aim for at least £2 million.
What if you’re refused cover?
If you’ve been turned down or quoted an unaffordable price, options include:
- A specialist medical travel insurer — focused on older travellers and pre-existing conditions
- A broker like insurd — able to search across multiple insurers
- MoneyHelper — the government-backed guidance service can direct you to specialist providers
Is annual cover worth it over 70?
If you travel more than once or twice a year, an annual policy is often better value and more convenient. You declare your conditions once, and you’re covered for every trip throughout the year.
What about cruises?
Standard travel insurance often doesn’t fully cover the specific risks of cruising. Dedicated cruise cover — which we offer at insurd — includes missed port departures, cabin confinement due to illness, unused excursions, and medical care at sea. If you’re cruising, make sure your policy is specifically designed for it.
Age is no barrier to travel
Age is no barrier to travel or to getting insured. Declare your conditions, use a provider with no upper age limit, and make sure your medical cover limit is appropriate for where you’re going.
Get a travel insurance quote with no upper age limit, pre-existing conditions covered, trusted UK insurers.
