Travel Insurance for Over 75s can help protect older travellers against unexpected medical expenses, cancellation, curtailment, baggage problems and emergency repatriation. However, being over 75 does not automatically mean you cannot get suitable cover, although age, health, destination and trip length can affect your options and premium.
For older travellers, choosing a policy is about more than finding the cheapest quote. A suitable policy should match your medical circumstances, destination, trip duration and the level of financial protection you need.
This guide explains how cover works in the UK, how much over-75 travel insurance can cost, what medical screening involves, and how to choose between single-trip, annual and specialist policies.
Can You Get Travel Insurance Over 75?
Yes. Travel insurance is available to many people over 75, although age limits vary between insurers and individual policies.
Some providers specialise in older travellers and offer policies at ages where standard insurers may have restrictions. Others may have different limits for annual multi-trip and single-trip insurance.
MoneyHelper explains that travel insurance can become more expensive as you get older and recommends comparing policies carefully, particularly if you have a pre-existing medical condition.
The important point is that there is no single maximum age that applies to every travel insurance policy.
Can an 80-Year-Old Get Travel Insurance?
Yes. An 80-year-old can still find travel insurance in the UK, although the choice of policies may be narrower and premiums may be higher.
Medical history can also become more important. Insurers may ask about existing conditions, medication, recent treatment and other aspects of your health.
MoneyHelper specifically notes that travel insurance costs can increase at around age 80, making it particularly important to compare different options.
Can Someone Over 85 or 90 Get Travel Insurance?
Potentially, yes. Specialist providers can offer cover for travellers in their late 80s and 90s.
For example, the benchmark competitor Albert & Eddie states that its available brands offer single-trip options for travellers over 85 and describes cover options for people aged 90 and above.
However, this should not be interpreted as a universal industry age limit. Availability, medical screening, premium, destination and maximum trip duration can differ between policies.
The best approach is to compare the actual terms for your age and specific trip.
Travel Insurance Cost Guide for Over 75s
One of the biggest questions older travellers have is: How much does travel insurance for over 75s cost?
There is no fixed price. Your premium can change according to your age, medical history, destination, trip length, policy type, cancellation value and level of cover.
Current 2026 MoneySuperMarket data provides a useful UK benchmark. Its average prices for travel insurance sold through its service were:
| Age | Average price |
|---|---|
| 70–74 | £64.83 |
| 75–79 | £83.36 |
| 80–84 | £117.94 |
| 85+ | £148.64 |
These figures are averages rather than guaranteed prices. MoneySuperMarket’s data shows that average premiums increase across the older age groups, with travellers aged 85+ paying an average of £148.64.
Your actual quote could be considerably different.
For example, a healthy 76-year-old travelling to Spain for one week could receive a very different quote from an 84-year-old travelling to the USA for three weeks with several declared medical conditions.
What Affects the Cost of Travel Insurance After 75?
Age
Age is an important factor in insurance pricing. Current 2026 comparison data shows a noticeable increase in average premiums between the 75–79, 80–84 and 85+ age groups.
However, age is not the only factor.
Pre-Existing Medical Conditions
Your health can have a significant effect on the cost of cover.
If you have a condition that needs to be declared during medical screening, the insurer may adjust the premium or apply specific terms.
MoneyHelper says many insurers can still provide cover when you have a medical condition, provided you declare it during the quotation process.
Destination
Where you are travelling can make a substantial difference.
Travel to the USA, Canada or other destinations with potentially high medical costs can require more extensive protection than some European trips. MoneySuperMarket also notes that distant destinations such as the USA and Canada can be more expensive to insure because of higher medical costs.
Trip Length
A one-week holiday and a three-month trip can have very different insurance costs.
Longer trips may increase the period during which an insured event could occur. Some annual policies also have a maximum number of days allowed for each trip.
Single-Trip or Annual Cover
Single-trip insurance covers one specific journey, while annual multi-trip insurance can cover multiple trips during the policy year.
If you only travel once, single-trip cover may be appropriate. If you travel several times, annual cover may provide better value.
However, do not assume annual insurance is automatically cheaper. Compare the total premium against the number and length of trips you expect to take.
Level of Cover
Higher coverage limits and optional benefits can affect the premium.
Depending on your trip, additional cover may be available for:
- Cruise travel
- Winter sports
- Golf
- Gadgets
- Business travel
- Other activities
Only pay for extras that are relevant to your journey.
How Can Over-75 Travellers Reduce the Cost?
You do not necessarily need to sacrifice important protection to reduce the price.
Try these steps:
- Choose the correct geographical area.
If you are travelling only within Europe, worldwide cover may not be necessary. - Compare single-trip and annual policies.
Choose based on how frequently you travel. - Check the excess.
A higher excess can sometimes reduce the premium, but make sure you could afford it if you needed to claim. - Avoid unnecessary extras.
Do not pay for cruise, golf or winter sports cover unless your trip requires it. - Compare coverage limits.
A slightly cheaper policy may provide significantly less protection. - Shop around if you have medical conditions.
Specialist insurers may provide options that mainstream providers cannot.
MoneyHelper specifically recommends looking at the level of cover rather than choosing simply on price.
What Is a Good Budget for Travel Insurance Over 75?
There is no reliable universal budget because individual quotes can vary substantially.
As a current UK benchmark, the 2026 MoneySuperMarket averages are around £83 for ages 75–79, £118 for ages 80–84 and £149 for ages 85+.
Treat these figures as a guide, not a quotation.
Your actual price depends on your own age, health, destination, travel dates, trip length and required cover.
Travel Insurance for Over 75s With Medical Conditions
Medical history is one of the most important considerations when arranging cover after 75.
A pre-existing medical condition can include an illness or condition that has already been diagnosed, investigated or treated, depending on the insurer’s definition.
Examples can include:
- Heart conditions
- Diabetes
- High blood pressure
- Cancer
- Respiratory conditions
- Arthritis
- Previous stroke
- Kidney conditions
- Chronic illnesses
- Recent surgery or treatment
The exact medical screening questions and definitions vary between insurers.
For a complete breakdown of how medical screening and disclosure work, see our detailed guide to travel insurance for pre-existing conditions.
Why Does Medical Screening Matter?
Medical screening helps an insurer assess your individual circumstances.
You may be asked about:
- Your diagnosis
- Medication
- Recent appointments
- Treatment
- Surgery
- Hospital admissions
- Changes in medication
- Ongoing investigations
Answer these questions accurately.
MoneyHelper explains that insurers may ask about health conditions from a particular period and, for some conditions, may require information going further back.
Failing to disclose a condition that the insurer asks about can create serious problems if you later make a claim.
Do You Need Specialist Travel Insurance?
Not necessarily.
Someone over 75 with no significant medical history may find suitable cover through a mainstream insurer.
However, specialist travel insurance can be useful if you have complex medical circumstances or have struggled to obtain suitable cover.
MoneyHelper maintains a directory of providers specialising in serious medical conditions and recommends considering specialist providers when mainstream insurance is difficult to find or becomes expensive.
What Does Travel Insurance for Over 75s Cover?
Policies vary, so check the individual policy wording before buying.
A comprehensive policy may include the following.
Emergency Medical Expenses
Medical cover can help with eligible emergency treatment abroad, subject to the policy’s terms, exclusions and limits.
This is particularly important for destinations where healthcare can be expensive.
Emergency Repatriation
Repatriation refers to arranging eligible transportation back to the UK when medically necessary.
For an older traveller, this can be an important part of comprehensive cover.
Cancellation and Curtailment
Cancellation cover can help with eligible prepaid expenses if you have to cancel your trip for a covered reason.
Curtailment applies when you need to cut your trip short after it has started.
Always check the qualifying reasons because cancellation and curtailment conditions vary between policies.
Baggage and Personal Belongings
Depending on the policy, cover may apply to eligible lost, stolen or damaged baggage.
Check both the total baggage limit and the single-item limit for valuable possessions.
Travel Delays
Some policies provide benefits for qualifying travel delays, missed departures or additional accommodation and transport expenses.
The circumstances covered depend on the policy.
Personal Liability
Personal liability cover may help with eligible claims if you become legally responsible for injury to another person or damage to their property.
What Is Usually Excluded?
Travel insurance does not cover every possible situation.
Common exclusions can include:
- Undeclared medical conditions
- Certain high-risk activities
- Travelling against medical advice
- Certain destinations
- Unattended belongings
- Claims above policy limits
- Known circumstances
- Activities requiring additional cover
MoneyHelper explains that adventure sports and other potentially dangerous activities may require additional cover, while travel to destinations against relevant FCDO advice may also be excluded.
Always read the policy wording instead of relying only on a summary of benefits.
Single-Trip vs Annual Travel Insurance for Over 75s
| Feature | Single-Trip | Annual Multi-Trip |
|---|---|---|
| Trips covered | One specified trip | Multiple trips |
| Best suited to | Occasional travellers | Frequent travellers |
| Destination | Selected trip | Depends on policy |
| Trip duration | Policy-specific | Per-trip limit may apply |
| Main advantage | Tailored to one journey | Convenience for several trips |
When Is Single-Trip Cover Better?
Single-trip insurance may suit you if you take one holiday or have a particularly long, expensive or unusual journey.
It allows you to arrange protection around one destination and set of travel dates.
When Is Annual Cover Better?
Annual multi-trip insurance may be useful if you take several holidays during the year.
However, check the age restrictions and maximum duration for each trip. Some annual policies may not be suitable for older travellers even when single-trip alternatives are available.
MoneyHelper recommends considering annual cover when you travel frequently, while also comparing specialist and single-trip options.
Travel Insurance for Over 75s in Europe
European travel can still involve unexpected medical and travel expenses.
UK travellers should understand the difference between a GHIC or EHIC and travel insurance.
A GHIC or valid EHIC can provide access to certain state healthcare arrangements where applicable, but it does not replace comprehensive travel insurance.
Travel insurance can provide additional protection for areas such as cancellation, baggage and repatriation.
Before travelling, check the latest official healthcare and destination guidance for the countries on your itinerary.
Travel Insurance for Over 75s Going to the USA
The USA deserves particular attention when comparing policies.
Medical treatment can be extremely expensive, so adequate emergency medical protection is especially important.
MoneyHelper’s guidance says a good policy should provide at least £2 million of medical cover for the USA, compared with at least £1 million for Europe.
Before buying cover for the USA, check:
- Emergency medical expenses
- Repatriation
- Pre-existing medical conditions
- Cancellation limits
- Excess
- Exclusions
- Maximum trip duration
Do not choose a USA policy simply because it has the lowest premium.
Cruise Travel Insurance for Over 75s
Cruises can involve circumstances that standard travel insurance does not always address in the same way.
Depending on your itinerary, check whether your policy provides suitable cover for:
- Missed port departure
- Cabin confinement
- Medical treatment onboard
- Repatriation
- Missed connections
- Cancellation
- Shore excursions
MoneyHelper notes that specialist cruise insurance can sometimes be worth considering and may offer different age limits or benefits from standard policies.
Travel Insurance for Over 75s: 75, 80, 85 and 90+
Age can affect both availability and price, but there is no universal rule saying that everyone above a particular age must use specialist insurance.
| Age | What to consider |
|---|---|
| 75–79 | Compare mainstream and specialist policies |
| 80–84 | Check age limits and medical screening carefully |
| 85–89 | Specialist providers may offer more options |
| 90+ | Compare specialist and single-trip policies carefully |
The competitor Albert & Eddie, for example, states that its available brands can offer single-trip cover to travellers over 85 and provides options for people over 90. This demonstrates why it is better to compare actual provider rules rather than assume an industry-wide maximum age.
How to Choose Travel Insurance After 75
Time needed: 20 minutes
Follow these steps to find the right travel insurance after 75.
- Check the Age Limit
Make sure your age is eligible for the exact policy you are considering.
- Prepare Your Medical Information
Have details of relevant conditions, medication and recent treatment available before completing medical screening.
- Enter Your Destination
Make sure every country on your itinerary is covered by the geographical area you select.
- Choose the Right Policy Type
Consider single-trip insurance, annual multi-trip insurance, specialist medical cover, cruise cover, or worldwide cover.
- Compare the Important Limits
Check emergency medical expenses, repatriation, cancellation, curtailment, baggage, and personal liability limits.
- Check the Excess
Do not look at the premium without checking the excess, because a seemingly cheap policy can become more expensive when you need to claim
- Read the Exclusions
Pay particular attention to medical, destination, activity and trip-duration exclusions.
- Read the Policy Wording
Read the policy wording before purchasing so you understand what is and is not covered.
Read our full travel insurance guide
Common Mistakes Over-75 Travellers Should Avoid
Choosing on Price Alone
The cheapest premium may not provide the protection you need.
Not Declaring a Medical Condition
If an insurer asks about a medical condition, answer accurately. MoneyHelper warns that failing to disclose relevant medical information can risk invalidating your cover or affecting a claim.
Assuming Every Insurer Has the Same Age Limit
Age restrictions vary between insurers and policy types.
Forgetting Maximum Trip Duration
Annual policies can have a maximum number of days allowed for each individual trip.
Assuming GHIC Replaces Travel Insurance
A GHIC is not a substitute for comprehensive travel insurance.
Ignoring Destination Differences
A policy suitable for a European city break may not be appropriate for a long-haul trip to the USA.
A Simple Decision Framework
Over 75 + one holiday + no major medical conditions:
Compare comprehensive single-trip policies.
Over 75 + several holidays:
Compare annual multi-trip policies and check their age and trip-duration restrictions.
Managing a pre-existing medical condition as well?
Complete medical screening and compare providers that can accommodate your circumstances.
Over 75 + complex medical history:
Consider specialist providers or an insurance broker.
Planning a trip to the USA?
Pay particular attention to emergency medical and repatriation cover.
Over 75 + cruise:
Check whether cruise-specific protection is included.
Over-75 Travel Insurance Checklist
Before purchasing, check:
- Your age is within the policy limits
- Relevant medical conditions have been declared
- Your destination is covered
- The maximum trip duration is suitable
- Emergency medical cover is adequate
- Repatriation is included
- Cancellation and curtailment limits are sufficient
- Baggage limits are suitable
- The excess is affordable
- Important exclusions have been checked
- Cruise or activity cover is included if required
- You have read the policy wording
- You have saved the emergency assistance details
FAQS
Conclusion
Travel insurance for over 75s is available from a range of UK providers, but finding suitable cover requires more than choosing the cheapest premium.
Your age is important, but your medical history, destination, trip length, policy type and required level of protection can all influence the price and suitability of a policy.
Current 2026 comparison data shows average premiums rising from £83.36 for travellers aged 75–79 to £148.64 for those aged 85+. These figures are useful benchmarks, but they should not be treated as personal quotations.
For the best chance of finding appropriate cover, compare policies using your actual circumstances, declare relevant medical conditions, check the major coverage limits and read the exclusions before purchasing.
For many older travellers, the best policy is not necessarily the cheapest one. It is the policy that provides appropriate protection for your health, destination and particular trip.
About the Author
Rahib Naqvi researches and writes about travel insurance for UK and international travellers, with a focus on senior cover, pre-existing medical conditions, and destination-specific policies.
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