If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking newexperiences.
Travel insurance for over 60s
As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re onholiday.
But it provides cover for a wide range of scenarios,including:
- Your belongings being lost, damaged orstolen
- Needing legal assistance while you’reaway
- Traveldelay
Choose from three levels ofcover
| Admiral | Admiral
Gold | Admiral
Platinum |
Excess | £100 | £75 | £50 |
Emergency medical treatment&repatriation (Limits upto) | £10M | £15M | £20M |
Cancellation or cutting short your trip (Limits upto) | £1.5K | £3K | £5K |
Personal belongings (Limits upto) | £1K | £2K | £2.5K |
Money & documents (Limits upto) | £300 | £400 | £500 |
Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes coverfor:
- Loss of medication
- To bring you home following emergency medical treatment
It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’tcovered.
Travel insurance for over 60s with pre existing conditions
You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.
A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.
Pre-existing conditionsinclude:
- Cancer
- Diabetes
- Heart disease
- Stroke
You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 03332349913.
Your pre-existing conditions won’t be covered unlessyou’ve:
- Declared them all on yourpolicy
- Received written confirmation that we’ll cover your medicalcondition
- Paid any additional premium infull
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on yourpolicy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim yousubmit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medicaldirectory.
If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bankholidays.)
Registering for freetreatment
If you’re travelling in the European Economic Area or Switzerland, you should apply for aGHIC(Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medicalexpenses.
Some countries, such as New Zealand, Australia and the Falkland Islands, also havereciprocal health care agreementswith the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover thecosts.
To find out the true costs of getting ill abroad, check out our interactive globe where you canexplore the cost of medical treatmentin the most popular travel destinations for UKholidaymakers.
Cruise travel insurance for over 65s
A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.
Adding theCruise upgrademeans your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without theadd-on.
As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medicalofficer.
Cover for sports and leisure activities
It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.
These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years forcover.
If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check yourpolicy bookorcontact usto clarify what you will and won’t be coveredfor.
FAQs
Admiral offers three tiers of travel insurance to suit different budgets and cover requirements. Admiral Platinum has a five-star rating from Defaqto, Admiral Gold has a four-star rating and it's a three-star rating for the Admiral policy.
What company has the best travel insurance? ›
Our Rankings of the Best Travel Insurance of 2024
- Seven Corners Travel Insurance: Best for international travelers.
- AIG Travel Guard: Best for families.
- Trawick International: Best for college students.
- Generali Global Assistance: Best for emergency assistance.
- Travel Insured International: Best for well-rounded coverage.
Top 9 Best Senior Travel Insurance Companies of 2024
- Faye: Our top pick for seniors.
- Travelex: Our pick for families.
- Nationwide Travel Insurance: Our pick for cruise travel.
- Generali Global Assistance: Our pick for emergency assistance.
- Seven Corners Travel Insurance: Our pick for international travelers.
For travelers ages 70-79, CoverAmerica-Gold is an excellent solution for a trip abroad. CoverAmerica-Gold provides comprehensive coverage including acute onset of pre-existing conditions coverage for travelers to the United States.
What is a good rate for travel insurance? ›
Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth travel insurance.
Does admiral travel insurance cover flight cancellations? ›
No, it's not a legal requirement but it gives you cover against things like cancelled holidays, missed transports, missing luggage and injury while abroad.
Does travel insurance get more expensive closer to the trip? ›
Unlike other aspects of your travel experience like airfares or hotel-room rates, the price of travel insurance doesn't increase the closer you get to your travel date. There's no financial penalty if you wait to buy travel insurance (except for those bonus coverages, of course).
Is it better to buy travel insurance early or late? ›
In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll have protection and the more benefits you may be eligible to receive.
What is the most common travel insurance claim? ›
The most common reasons for claims in the U.S. were respiratory illnesses, injury and fractures.
Should an 80 year old go on a cruise? ›
In fact, a cruise is the perfect family vacation for seniors to partake in, because not only is the transportation part of the adventure, but there are plenty of activities for seniors to enjoy with the family as a group, or on their own should some family members choose to partake in other activities.
On average, comprehensive travel insurance premiums cost roughly 5-10% of a traveler's total trip cost. For seniors, this equates to $422 so far this year. The cost of travel insurance is determined by a variety of factors, including trip cost and traveler age.
Does AAA or AARP offer travel insurance? ›
AARP does not offer travel insurance, but can offer guidance and tips on how to choose a plan. Rather than AAA trip insurance, seniors can purchase a travel medical insurance policy through a trusted online marketplace, such as VisitorsCoverage.
Which travel insurance is best at paying claims? ›
The Best Travel Insurance Companies
- AXA Assistance USA – Best for Baggage.
- Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage.
- Travelex – Best for Families.
- HTH Worldwide Travel Insurance – Best for Trip Interruption.
- Nationwide – Great for Cruise Itinerary Change/Inconvenience.
Key takeaways. Senior travelers can benefit from a plan that offers coverage for emergency medical expenses and emergency medical evacuation first and foremost. Other benefits to look for include coverage for lost or delayed baggage, trip delay protection, and coverage for trip cancellation and interruption.
Can you get travel insurance if you are 80? ›
Yes, some insurance providers offer travel insurance for over 80s with pre-existing medical conditions. Depending on your condition and its severity, you may find you're better off with specialist travel insurance for medical conditions.
Is Admiral a good brand? ›
Founded in Chicago, Illinois in 1934 by US entrepreneur Ross Siragusa. Admiral brand has built a worldwide reputation for quality home appliances and consumer electronics.
Who is admiral travel insurance underwritten by? ›
Admiral travel insurance is underwritten by Admiral Insurance (Gibraltar) Limited.
How long do admiral claims take? ›
On average, claims usually take between six to twelve months to settle, but some cases can settle outside of this timescale. Your case handler will keep you updated with anticipated settlement times throughout the life of your claim with us.
What insurance should I get for Travelling? ›
There are different types of insurance you should consider: (1) trip cancellation or travel disruption insurance, (2) travel health insurance, and (3) medical evacuation insurance. These will cover different situations and may give you financial peace of mind, as well as allow for safe and healthy travel.
