Travel Insurance for Over 60s
Helping the over 60s feel good about their next holiday
- 1,300 medical conditions covered
- No upper age limit
- 24/7 medical assistance helpline
What does over 60s travel insurance cover?
Age Co offers 5 Star Defaqto rated product options, provided through AllClear, that includes:
- Cover for over 1,300 different pre-existing medical conditions
- No upper age limit
- Protection for medical aids and equipment
- 24/7 medical assistance, included as standard
- Up to unlimited emergency medical and repatriation cover
- Cover for cancellations and travel delays
- Help if your luggage is lost or stolen, including replacing important personal baggage items.
What's covered
Choose from three levels of cover
Gold |
Gold Plus |
Platinum |
|
Policy Documents |
|||
Emergency medical expenses and Repatriation costs |
Up to £10m |
Up to £15m |
Unlimited |
Cancellation |
Up to £2k |
Up to £15k |
Up to £25k |
Travel Delay |
Up to £300 |
Up to £1,500 |
Up to £1,500 |
Recuperation stay |
✔ |
✔ |
✔ |
Personal Belongings |
Up to £2k |
Up to £2.5k |
Up to £3k |
Personal liability |
Up to £2m |
Up to £2m |
Up to £2m |
Mobility aids |
Up to £500 |
Up to £2,500 |
Up to £2,500 (no excess) |
Legal protection cover |
Up to £50k |
Up to £50k |
Up to £100k |
Cruise cover |
✖ |
Available as an optional extra |
Included as standard |
Getting a Quote
In order to get a travel insurance quote, you’ll need to provide:
- Details about where you plan on travelling
- Dates for your trip, unless you’re taking out annual travel insurance
- Information on any pre-existing medical conditions
Though not a requirement, you may find it helpful to have receipts for flights or hotels to hand. This can help you determine how much cover feels right for your trip.
Cover options
Annual cover
If you’re over 60 and have two or more trips planned for the year, annual cover could be a cost-effective solution for your travels. You’ll save time on taking out multiple single-trip policies, while still being protected by a comprehensive insurance product.
Age Co’s annual travel insurance is available for a range of trips, including beach holidays and snowy getaways. With our customisable cover levels, you can select the coverage that gives you the confidence to explore the world.
Single Trip Cover
As the name suggests, this kind of policy is designed to protect you during a single holiday. It can be a great option for those over 60 who only have one or two trips planned for the year. Even if your policy is single trip, your coverage will extend to medical emergencies, lost or damaged personal possessions, and unexpected cancellations.
Single-trip travel insurance can be purchased up to 12 months before your departure, allowing you to benefit from our cancellation cover far in advance.
Policy documents
Your policy documents contain information about the features, exclusions and limitations of Age Co Travel Insurance, provided through AllClear. If you’re an existing customer, you can find further information related to your insurance via our dedicated section.
All Policies - Important Notice - Addendum (Oct24)
Policy Document (valid from 14th June 24)
Policy Document (valid up to 13th June 24)
Gold Product Information Document IPID
Gold Increased Excess Product Information Document IPID
Gold Excluding Cancellation Product Information Document IPID
Gold Plus Product Information Document IPID
Gold Plus excluding cancellation Product Information Document IPID
Platinum Product Information Document IPID
What is over 60s travel insurance and why do you need it?
Travel insurance for over 60s provides cover against the cost of travel cancellation, lost luggage, medical bills, and more. And, as we age, having some extra security can feel more important than ever - especially if you have any pre-existing medical conditions.
However, finding the right holiday insurance for someone over 60 can feel tricky. Some providers put age limits in place and some popular destinations have expensive healthcare systems.
Age Co offers over 60s travel insurance so more people can travel with confidence. There are no upper age limits and covers 1,300 pre-existing medical conditions. Plus, Gold Plus Travel Insurance has been awarded a Which? Best Buy.
Travel insurance for over 60s with medical conditions
If you’re looking for the best travel insurance that’s inclusive of your health conditions, Age Co Travel Insurance is here for you. We can help travellers with a range of medical conditions, including:
• Heart conditions, such as high blood pressure or atrial fibrillation
• Diabetes
• Respiratory problems, including asthma and COPD
• Mental health issues, such as anxiety and depression
• Chronic illnesses, including cancer, IBS, and Crohns disease
If in the last two years, you have experienced an illness or injury that required treatment, investigation, surgery, or medical appointments, then this will classed as a pre-existing medical condition. All known pre-existing medical conditions must be declared to your travel insurance provider.
What’s not covered by over 60s travel insurance?
There are many cover options available, so you should be able to find protection that’s right for you and your holiday. Always take care to declare all medical conditions, otherwise you may find your policy invalid and your claim facing rejection. Even if a health issue arises after your policy has been taken out, you still must disclose this to your provider. If you plan on taking part in high-risk activities, such as skiing, then you will also need extra protection to stay covered.
Get in touch
Join online
Call AllClear for free
Get printed information
Trusted partners
At Age Co, we pride ourselves on working with expert partners who are best placed to meet our customers’ needs. That’s why we’re pleased to offer Age Co Travel Insurance in partnership with AllClear, who we believe deliver value to customers of any age and those with medical conditions.
Combined with our expertise in older people, together we’re helping more people travel with confidence.
Frequently asked questions
Is over 60s travel insurance more expensive?
Prices will vary due to a number of different factors, including:
- Medical history
- Where you plan on travelling to
- Length of your trip
However, on the whole, you will find the cost of travel insurance starts to go up once you hit 65. This doesn’t mean you won’t be able to find quality protection for a fair price. Age Co Travel Insurance doesn’t have an upper age limit for any of our cover levels. But, if you are worried about price, it's always worth comparing the market and assessing whether any changes to your holiday could help bring costs down.
Can I be insured against coronavirus if I’m over 60?
Yes, many providers will still include protection against costs relating to Covid-19 in their coverage. With Age Co Travel Insurance, travellers over 60 can benefit from our coronavirus safeguards, which include:
- Cancellation costs will be covered, should you or a member of your travelling party contract Coronavirus within 14 days of your scheduled departure.
- Covid-19 treatment while on holiday, including up to unlimited in emergency care costs.
- If a member of your immediate family is hospitalised or passes away due to Coronavirus, the cost of ending your trip early will be covered.
Does over 60s travel insurance cover golf?
This will vary between providers. Some may include it as part of their standard product, but most will offer it as an optional extra. At Age Co, we want you to feel in control of your travel insurance and allow golf cover to be added, should you need it, to any of our cover levels. This lets both you and your equipment receive quality protection when aboard.
Are cruise holidays covered by over 60s travel insurance?
Some travel insurance providers will offer over 60s travellers cruise cover as part of their standard product - otherwise, it may be offered as an optional extra. Together with AllClear, Age Co Travel Insurance can create an insurance plan that covers the specifics of travelling on a cruise ship, such as:
- Missed port departure
- Cabin confinement
- Itinerary change
You can add cruise protection to an Age Co Gold Plus policy, and it’s included as standard on our Platinum level.
Can someone else join your Travel Insurance policy if they're under 60?
If you choose Age Co Travel Insurance, you can add a friend or family member to your policy - no matter what age they might be.
Having your travelling companions on the same policy can be a great option for a trip. For example, if you both benefit from the same cancellation cover, it can make the claims process that much easier and give you both the same peace of mind.
Does being over 60 affect how long you can travel for?
There are some points to bear in mind when mapping out the length of your next trip. Firstly, the longer you plan on being away, the more expensive your premium will become, as there’s a greater chance of a claim being made. Alongside this, there are differences between single trip and annual cover.
With Age Co Travel Insurance, you will be able to travel for up to:
- 365 days on a single trip Travel Insurance policy
- 45 days per trip on annual multi-trip policies - with the option to extend up to 55 days
As with all things related to travel insurance, it’s best to detail everything you can regarding your plans to a provider. They’ll then ensure you get the right protection for your trip.
What does travel insurance for over 60s cover?
With Age Co Travel Insurance, those over 60 can choose between three levels of cover, which includes:
• Cover for emergency medical treatment, including any that relates to pre-existing medical conditions you’ve declared.
• Protection for your medical equipment and accessories from loss or damage.
• Repatriation, which means costs associated with emergency medical transport back to the UK.
• Cover in case any baggage is stolen or damaged.
• Cancellation and curtailment cover in the event an unforeseen emergency means you have to cancel your trip.
What factors will affect the cost of over 60s travel insurance?
The price of your travel insurance will depend on a number of different factors, including:
Your destination: those associated with high medical expenses, such as the USA, may require a more expensive premium.
Length of trip: as the longer you are away, the more likely it is that a claim might be made.
Pre-existing conditions: while your medical history might not prevent you from securing an insurance policy, it will likely affect the price.
Type of policy: it can be more cost-effective to choose an annual policy if you plan on enjoying two or more holidays in a year.
Can you get over 60s cover if you're on a waiting list for treatment?
Yes.
Just make sure you declare that you’re on a waiting list for treatment while getting an over 60s travel insurance quote.
Age Co Travel Insurance also has the option to include Waiting List cover as an Optional Extra. This offers cover in the event a treatment you’re waiting on requires you to cancel your trip.
Can someone else join your travel insurance policy if they're under 60?
Yes. There are no minimum age requirements for Age Co Travel Insurance policies.
How often can you travel with travel insurance for over 60s?
There’s no limit to how many single-trip policies you can purchase. However, many over 60s travellers find it is more cost effective to opt for annual travel insurance if they’re planning on making two or more trips.
With annual policy, Age Co Travel Insurance customers can go on multiple holidays over a 12 month period.
Age Co Travel Insurance
Age Co Travel Insurance is provided by IES Limited, trading as AllClear, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. IES Limited will contribute to Age Co a percentage of the premium (excluding IPT) from every Age Co Travel Insurance policy sold. Age Co is 100% owned by Age UK and gives its profits to the charity. Age Co Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.