Travel Insurance for Over 65s

Helping the over 65s get more from their holiday

  • 99% of pre-existing medical conditions covered
  • No upper age limit
  • 24/7 medical assistance helpline
Get a Quote

You’re on the right track. We’re just taking you to the AllClear website for a quote

Age Co Travel Insurance is provided by our trusted partner, AllClear. You’ll be able to get a quote easily through their site.

Please note: terms & conditions, privacy notice and cookie policy will differ from Age Co’s.

If you’re happy to leave the Age Co website, simply click ‘continue’ and you’ll be taken to the relevant AllClear page.

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Older couple on holiday

Age Co is 100% owned by Age UK and gives its profits to the charity. In the last 5 years Age Co has donated more than £12m to Age UK

Older couple on the beach with rubber rings and snorkels

Finding the right travel insurance when you’re over 65

Just because you’re 65, it doesn’t mean you want life to slow down. Many people find that as they get older they have more time to travel and look forward to using their golden years to see more of the world.

However, finding travel insurance when you’re over 65 can have some challenges. Standard travel insurance policies might have age limits in place, and you may also have a pre-existing medical condition that needs consideration. Luckily, Age Co Travel Insurance is here to help. We work with AllClear to offer travel insurance that’s able to cover 1,300 different pre-existing conditions and has no upper age limit in place.

What does over 65s travel insurance cover?

We’ve worked carefully to find a provider that helps us deliver travel insurance that’s suited to the over 65s. With Age Co, you’ll be able to enjoy the following benefits while on your next big trip:

  • 99% of pre-existing conditions covered
  • No upper age limit
  • Covid cover included with every policy
  • 24/7 medical assistance included as standard
  • Up to unlimited emergency medical and repatriation cover
  • Protection for personal items and medical equipment
  • UK, Europe and Worldwide destinations
  • Cancellation cover across Gold/Gold Plus/Platinum

What can affect travel insurance protection?

Whether you’re 65 or 105, there are a few things to bear in mind when taking out travel insurance. It’s important to be honest about your medical history, as failure to disclose information can invalidate any future claims. Likewise, if you decide to travel against medical advice or go abroad to obtain treatment, then you may no longer be covered. 

Travelling with pre-existing medical conditions

Research by our partners at AllClear has shown that when we get to between 60-69 there is a 59% chance of us having two or more medical conditions. When this is the case, we not only want to ensure we can find the right travel insurance policy but that it offers benefits suited to our health needs.

With Age Co Travel Insurance, we’re able to offer coverage for over 1,300 pre-existing medical conditions, including:

  • Diabetes
  • Mobility impairment
  • Heart conditions
  • Back problems
  • Cancer
  • Epilepsy

Our over 65 travel insurance also provides a range of benefits related to protecting you from unexpected medical bills. From emergency medical expenses to protecting personal medical equipment, we aim to offer travel insurance that helps you make the most of your holiday and later life.

Get in touch

Join us online

Get a Quote today

You’re on the right track. We’re just taking you to the AllClear website for a quote

Age Co Travel Insurance is provided by our trusted partner, AllClear. You’ll be able to get a quote easily through their site.

Please note: terms & conditions, privacy notice and cookie policy will differ from Age Co’s.

If you’re happy to leave the Age Co website, simply click ‘continue’ and you’ll be taken to the relevant AllClear page.

Continue

Call for free

Lines open: Mon-Fri: 8.30am – 8pm; Sat: 9am – 5:30pm; Sun: 10am – 5pm. Excluding bank holidays. Calls will be recorded.
What's covered

Choose from three levels of cover

 
Gold
Gold Plus
Platinum
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

Optional extras

Available for all three levels of cover, you can choose to customise your policy with any of these optional extras. 

Golf cover: keen golfers can get peace of mind for their next big trip with cover that includes protection for both equipment and green fees.

Natural disaster cover: if your trip is disrupted by unforeseen circumstances, such as wildfires or a typhoon, you’ll be compensated for flight and accommodation costs.


Waiting list cover: protects you in the event of any pending medical treatment getting in the way of your holiday. For example, if a scheduled operation is brought forward and your trip needs to be cut short.


Travelling companion cover: if you’re travelling with a friend or family member who is insured by another provider, this will cover the cost of their cancellation or curtailment, should you become unwell and aren’t able to travel.


Gadget cover: we offer extra protection for items such as cameras, mobile phones, tablets, and laptops. Should they be lost, stolen or suffer from accidental damage, you’ll be covered for up to £2,500.

Policy documents

Your policy documents contain information about the features, exclusions and limitations of Age Co Travel Insurance, provided by AllClear. If you’re an existing customer, you can find further information related to your insurance via our dedicated section.

 

Policy Document

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

 

Frequently asked questions

Does a GHIC card protect you when you're over 65?

A Global Health Insurance Card (GHIC) will allow you to access free or discounted emergency medical care while in EU countries and Switzerland. Even if you’re over 65, there are no age limits in place. However, this does mean you won’t be protected in countries outside of those listed. A GHIC card also doesn’t extend to private treatment and lacks a lot of the benefits of standard travel insurance, such as protection from theft, legal action, cancellations and more. Therefore, we always recommend you consider taking out a travel insurance policy, instead of relying on the GHIC card.

When should I take out over 65s travel insurance?

It’s up to the traveller when to take out a policy. However, it’s worth considering your options once a trip has been booked. This is because many policies, including those offered by Age Co, include protection against cancellations. The further in advance you take out travel insurance, the more you get out of this benefit. Many providers will let you take out a single-trip policy one year in advance, while annual coverage means any holiday taken in a 12 month period is protected.

Can you still get annual travel insurance at 65?

Yes, providing the provider doesn’t have an age limit in place. At Age Co, our travel insurance lets everyone, whether they’re over or under 65, select from annual and single-trip coverage. If you have more than two holidays planned for the upcoming year, you might find it more cost-effective to choose annual travel insurance and save yourself the time it takes to apply for several single-trip policies. Just make sure you disclose all your planned destinations while you get a quote, as this will help to make sure you’re fully protected.

Does being over 65 affect the cost of travel insurance?

While costs may increase with age, there are ways to bring the price of your policy down. Certain destinations will cost more than others to visit, due to the price of the healthcare in these regions, or the risk of contracting disease. By avoiding these areas, your insurance can be more affordable. And, remember, price is only one factor to consider with a policy. You still want to make sure that your travel insurance provides robust protection against medical bills, cancellations, and lost/stolen property.


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.

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