Over 70s Travel Insurance
Tailored travel cover with enhanced medical support for travellers aged 70 and above.
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What is travel insurance for over 70s?
Sometimes travellers over 70 face specific challenges when taking out insurance, such as upper age limits. While standard travel insurance is available, factors like a higher likelihood of pre-existing conditions and increased risk of trip cancellations due to medical reasons can influence policy costs.
However, with our comparison tool, finding the right over 70s travel insurance is straightforward and affordable. Whether you’re looking for single or annual multi trip policies, let us help you find the perfect plan that lets you embrace your travel aspirations, no matter your age.
Why does travel insurance matter for over-70s?
Travel should be about freedom, not worrying about what could go wrong. For travellers over 70, the reality is that unexpected health issues or disruptions can have far bigger consequences without the right protection in place. Medical care abroad can quickly become overwhelming in cost, and age limits on standard policies often leave gaps where support is needed most. Travel insurance designed for over-70s acts as a safety net, stepping in when plans change, treatment is required, or assistance is needed far from home. It ensures help is available when it matters, so you can focus on enjoying the journey rather than managing risk.
Medical screening and Pre-existing conditions
It is important to let your insurer know if you have any pre-existing medical conditions or if you are awaiting the results of any medical test or diagnosis. If you do not fully disclose this, and you file a claim, you may not be eligible for coverage. Some conditions are automatically covered in a standard policy while others may be accepted after a medical screening or require a policy amendment. You may not be able to claim any medical coverage for pre-existing conditions while you’re abroad if it is excluded from your coverage. Travellers with pre-existing medical conditions are subject to certain rules, nevertheless, all of your medical issues will be covered while you travel, although these usually require premium coverage.
Single Trip Travel Insurance
This type of policy covers you for only one trip abroad and it expires after your trip is over. A single trip travel insurance policy usually comes with a maximum trip length up to 365 days.
Annual Multi-trip Travel Insurance
This kind of policy allows you to make several trips both within and outside the country for a period of 12 months. However, there is a maximum duration for each trip under your coverage, usually 30 or 60 days.
What does an over-70s travel insurance policy cover?
Travel insurance for those aged 70 and above is similar to a standard policy, the only difference being that there are additional considerations for medical issues or emergencies that can result in policy exclusions such as upper age limits and higher premiums. Below is an overview of what quay’s over 70s travel insurance covers and what it doesn’t.
What’s covered
Emergency medical care: covers medical expenses and emergency treatment received abroad or while travelling including for pre-existing conditions that you disclose.
Repatriation: we will help cover the costs of your travel expenses if an emergency requires you to return to the UK.
Medical aids: our policy provides protection from loss or damage for your medical equipment and accessories that you travel with.
Medication: we will assist you in covering the cost of a replacement if you misplace an important prescription drug during your trip.
Lost Baggage: we will cover the cost of replacing your important items if your luggage is lost, stolen or damaged.
Cancellation: we provide cover if you have to cancel your trip due to an emergency or any unforeseen circumstance.
Cutting your trip short: we also provide cover if you have to cut your trip short due to unforeseen circumstances.
Travel disruption: if your travel arrangements get disrupted for any reason that is beyond your control, we will help you cover for alternative transportation and accommodation.
Missed departure: we provide compensation if the failure of public transit causes you to miss your trip.
What’s not covered?
Undisclosed pre-existing conditions: Quays travel insurance will not cover for any pre-existing medical condition that you fail to disclose while applying for your policy.
High-risk activities: certain high-risk activities such as rock climbing or winter sports that are likely to cause harm or damage are not covered. They are also not covered by standard insurance but you can include them as optional extras.
Drug and alcohol-related accidents: we will not cover for claims resulting from accidents that happen while you’re under the influence of drugs or alcohol.
Travelling against FCDO advice: we will not cover for trips to countries that the Foreign, Commonwealth and Development Office (FCDO) had advised against, even if your policy is for a worldwide coverage.
Airline strikes: in the event that an airline is on strike, it is the responsibility of the airline to pay the passengers and provide an alternative transportation.
Missed flights: we will not cover the costs of booking another flight if you miss your flight for avoidable reasons.
Choosing not to travel: we understand that you may need to alter your travel plans, however, we do not cover for cancellations unless they are due to injury, illness or bereavement.
Optional extras you can add to your policy
Cruise Cover
This optional cover protects against cruise-specific risks like medical emergencies, missed ports, lost luggage, cabin confinement, and itinerary delays—especially important for over-70 travellers, who make up around 30% of cruise passengers.
Gadget Cover
We offer additional coverage for devices like laptops, tablets, and smartphones, with per-item limits to ensure your gadgets are fully protected.
Golf Cover
if you like to include sporting activities in your holiday, we offer an additional cover for golf enthusiasts. This optional add-on covers for renting golfing equipment or replacing your lost or damaged golf clubs.
Excess Waiver
The amount you contribute to a claim is known as the excess. If you increase your excess, we can give you a waiver and pay 100% of the claim.
How much does over-70s travel insurance cost?
Travelers over 70 usually have to pay more for their travel insurance than younger travelers and there are a number of factors that can affect the price of your premium, some of these include:
- Destination
Your destination determines the amount you pay for your travel insurance. Typically travelling outside the UK will be more expensive than vacationing within the country. Also some destinations are riskier than others.
- Trip length
The longer you travel for, the more coverage you’ll require, which will raise the price of your premium. A single trip policy costs less than an annual multi-trip policy.
- Pre-existing conditions
If you have any pre-existing conditions, we will be required to pay a higher premium. It is important that you disclose any medical condition that you have before taking out a policy
- Addition cover options
The number of additional extras that you include in your policy will determine your premium. We also offer policies with varying levels of coverage for certain groups.
Tips & Advice
Frequently Asked Question
Is there an upper age limit for Quays over 70s travel insurance?
We provide travel cover for older travellers and can offer policies for customers aged 70 and above. Maximum age limits may vary depending on the type of policy, destination and length of trip. Please check your quote results or speak with our team for confirmation before purchasing.
Can I still get cover if I have a pre-existing medical condition?
Yes. We understand that many customers over 70 have one or more medical conditions. Some conditions are accepted automatically, while others require a short medical screening. It’s important to declare all conditions accurately so your policy is valid and claims are paid without issue.
Does over 70s travel insurance cover cruise holidays?
Cruise holidays usually require additional cruise cover. This add-on protects against cruise-specific risks such as missed ports, onboard medical costs and cabin confinement. We recommend adding cruise cover if you are travelling by ship.
Can I add someone else to my insurance policy if they’re below 70years?
Absolutely, you can include those under 70 in your travel insurance policy. Adding a spouse, family member, or friend to your coverage is easy. Simply enquire about our group travel insurance or speak with a member of our staff, who will walk you through the procedure.
What happens if I need to cancel my trip before I travel?
If you have to cancel your trip for any of the reasons listed in the policy, such as sudden illness, injury or a family emergency, cancellation cover can reimburse unused, non-refundable travel and accommodation costs, up to your policy limit.
Can I extend my policy while already abroad?
In some cases, extensions may be possible if requested before your policy expires and you have not made a claim. Approval is subject to underwriting terms, so contact us as early as possible if you need extra time away.
Does the policy cover for mobility aids and medical equipment?
Certain mobility aids such as walking sticks or wheelchairs may be covered under personal possessions, subject to limits. High-value medical equipment may require additional cover. Make sure to read your policy documents carefully to ascertain what’s included and what’s not.
What should I do if I need emergency medical help abroad?
Contact the 24/7 emergency assistance number shown in your policy documents as soon as possible. Our medical assistance team will arrange treatment, liaise with doctors and organise repatriation if required.