Travel Insurance for Over 70s

Age Co is there to help the over 70s enjoy their next holiday

  • No upper age limit
  • 5 Star Defaqto rated product options
  • 99% of pre-existing medical conditions covered
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.

Continue
Four women laughing

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

Grandparent and grandchild smiling

What is travel insurance for over 70s?

Put simply: it’s insurance that’s inclusive to those aged 70 or over. While some providers have age limits in place, Age Co Travel Insurance has no upper age limit. We also have a range of features that travellers aged 70 or over may find particularly useful. From specialist medical coverage to enhanced Covid protection, our travel insurance is there to help more people travel with confidence.

What does over 70s travel insurance cover?

Age Co Travel Insurance can provide a wide range of benefits suitable for travellers over 70, including:

  • 24/7 medical assistance, included as standard
  • No upper age limit
  • Cover for over 1,300 medical conditions
  • Cruise cover included with Platinum and available with Gold Plus
  • Up to unlimited emergency medical and repatriation cover
  • Protection for personal items and medical equipment
  • UK, Europe and Worldwide destinations
  • Compensation for Covid related incidents

Travelling with pre-existing medical conditions

Many people worry that pre-existing medical conditions will stop them from finding the right travel insurance. And while standard policies might not be suitable, specialist medical providers are on hand to offer protection. At Age Co, we work in partnership with AllClear - a UK medical specialist. They’re able to approve 99% of pre-existing conditions, including:

  • Heart conditions
  • Cancer
  • Diabetes
  • Epilepsy
  • Hypertension
  • Mobility issues

How much does travel insurance for over 70s cost?

The only way to get an accurate price for travel insurance is to get a quote from a provider. All policies are priced according to the individual and their trip details. While age and medical history can affect pricing, so too can your chosen destination. For example, insurance covering the USA tends to be more expensive due to the cost of healthcare.

Other factors that can impact the price of your policy include:

  • Length of stay: shorter holidays tend to cost less than longer trips away.
  • Activities: skiing and water sports are viewed as high-risk activities, so tend to require either additional protection or high costs
  • Cruises: these types of holidays have their own unique risks, such as port delays, so you might need to purchase additional cover
  • Level of protection: some traveller choose to pay more to have extra benefits or lower excess costs

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

What's not covered by over 70s travel insurance?

While travel insurance can provide a wide range of protection for anyone over 70 travelling, you must do your best to stay safe while on holiday. If your provider finds out you’ve put yourself at risk or failed to disclose key information, you may struggle to make a claim. The following are common scenarios that will risk invalidating your insurance:

  • Failing to disclose any medical conditions while getting a quote or after taking out a policy
  • Travelling against the advice of your doctor
  • Engaging with high-risk activities that aren’t covered by your policy
What countries does over 70s travel cover?

Age Co Travel Insurance is able to offer worldwide protection. However, to get the right price, it’s important you disclose your specific destination while getting a quote. Limiting your coverage to the UK or Europe tends to be more cost-effective than general worldwide protection. If you are travelling further afield, you can customise your policy to exclude the USA, Canada, and the Caribbean - destinations that incur higher costs.

Why does travel insurance cost more when you turn 70?

The cost of travel insurance tends to increase as we get older. This is tied to the higher chance of medical incidents taking place. To offset these costs, it’s recommended you consider providers carefully to ensure you find the right protection at a fair price.

Can holiday insurance for over 70s include gadgets?

Yes. With Age Co Travel Insurance, no matter what level you select,
all policies can include gadget cover as an optional extra. This helps protect key items, such as laptops, tablets and mobile phones from damage, loss, and theft for up to £2,500. When getting a quote online, you’ll find all our optional extras once you’ve selected from our Gold, Gold Plus, and Platinum quotes.


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.

TI1393R1FEB24