Experts in covering pre-existing medical conditions
Cover for all ages
Unlimited medical cover and emergency expensesComprehensive and Signature policies only
Excellent 4.7 | 539,828 reviews
We've got more 5-Star reviews on Trustpilot than any other UK travel insurance provider
“An excellent product with a comprehensive range of features and benefits" - Defaqto
Awarded Best Company for Travel Insurance at the British Travel Awards 2016-2025
Travel insurance for over 60s at a glance
Staysure is a specialist provider of travel insurance for over 60s and seniors, offering single-trip and annual multi-trip holiday insurance for cancellation, lost baggage, emergency medical expenses and more. Our policies are suitable for most over 60s We cover pre-existing medical conditions and all ages – key things that some other insurers won’t. Getting a quote is easy and can be done online or over the phone.
We’ve specialised in travel insurance for pre-existing medical conditions since 2004. 97% of customers are able to get medical cover with us. We hold a Defaqto 5-star rating for our Signature and Comprehensive policies, and have more 5-star Trustpilot reviews than any other UK travel insurance provider.
With 80% of over 65s taking a holiday in the last 12 months, your generation is one of the most travelled on the planet, and rightly so. Your 60s are prime time for the trips you’ve always promised yourself, from solo adventures to cross-continental family reunions.
Travel insurance is there to make sure those plans stay protected – covering you financially and practically should your well-earned plans take a turn. That could mean being forced to cancel before you’ve even started packing, your baggage galivanting off across the globe or having a medical emergency in the middle of your trip.
For most, finding travel insurance at 60+ is still relatively straightforward. But as things like health issue start to add up with age, having a specialist provider for pre-existing medical conditions and all ages by your side means you’re already in good hands.
Staysure is that specialist – covering over 1,300 pre-existing medical conditions, up to unlimited medical expenses, £15,000 cancellation** and more.
Do I need over 60s travel insurance if I have a GHIC?
What our expert says…
“A GHIC is a great starting point, but will only scratch the surface of the things you might need help with abroad. These cards generally cover state-provided medical care in Europe, but don’t go beyond that. That means no financial help if you need repatriation, no cancellation cover and no protection for the cruise you’ve already spent thousands of pounds on. If you’re investing a bit more in your trips these days – it might be worth doubling up with a GHIC and a travel insurance policy to make sure they’re as protected as possible.
”
Why choose Staysure?
We’re specialists in medical travel insurance
Unlimited: emergency medical expenses* and 24/7 support
Most pre-existing medical conditions covered
Generous cancellation cover up to £15,000
We’ve insured more than 12m people
Easy to access and amend your policy online
What does over 60s travel insurance cover?
What’s covered?
emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away.
getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed.
cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement.
cutting your trip short – cover if something serious happens mid-holiday and you need to return early.
lost, stolen or damaged belongings – including your baggage, passport and personal money.
pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy.
Example: You’re two days into a solo city break in Rome when you slip on the Spanish Steps and need hospital treatment for a broken femur. We could cover your medical bills, so the only things bruised are your legs and pride – not your bank balance.
What isn’t covered?
cancelling because you’ve changed your mind – cover only applies to unexpected and insured reasons.
missed flights – unless it’s due to a strike*** severe weather, or mechanical breakdowns.
undeclared medical conditions – always let us know about any health issues when you get a quote.
unattended items – valuables left alone may not be covered.
activities not listed on your policy – like extreme sports or cruises, unless you’ve added them.
travelling against advice of the Foreign, Commonwealth and Development Office (FCDO) – policies won’t cover destinations where the UK government advises against all travel.
incidents involving alcohol or drugs – claims related to excessive alcohol or controlled substances won’t be accepted.
going against medical advice – for example, flying too soon after an operation or illness.
travelling for the purpose of receiving medical treatment – including consultations, tests, or planned procedures abroad.
Example: You decide to cancel a Barcelona city break because the forecast predicts rain all week. Unfortunately, changing your mind isn’t an insured reason, so we wouldn’t be able to reimburse you. Had your GP advised against travelling for medical reasons, or the FCDO warned against visiting Spain, you might have been able.
Travelling with medical conditions?
Your 60s are often when health conditions start to become part of the picture, and that’s completely normal. In fact, 3 in 4 people aged 55-64 live with at least one long-term health condition, many of whom are managing ongoing treatment or medication.
The great news is that with us, your health doesn’t have to put your plans on hold. We’ve been specialising in travel insurance for people with medical conditions since 2004, longer than almost any other UK provider. That means we’ve put years into making our screening process as simple as possible, our underwriters have lots of experience with complex cases, and the claims team understand the realities of travelling with a health condition. In fact, 97% of customers are able to get medical cover with us.†
Medical conditions we regularly cover
We cover a vast number of medical conditions, including:
If you can’t find your condition here, don’t fret. You can browse more medical conditions on our website or contact our team for support.
Proud to be a part of BIBA's medical directory
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Free English-speaking medical help abroad
Travel Doctor, our new online service, connects you with an English-speaking doctor if you need medical support while you are abroad.* It lets you book a video-based consultation to discuss your health needs with a doctor right from your sun lounger.
You can choose a slot that works for you, go through your symptoms, get your prescription and even use Travel Doctor to find your nearest pharmacy, so you can get your meds and get on with enjoying your holiday.
Pick a travel insurance policy and tailor it to you
Shout bon voyage to a one-size-fits-all policy and give a warm welcome to holiday insurance that's all about you. Join over 12 million people who've trusted us with their travel insurance since 2004.
How long can I travel for with over 60s holiday insurance?
How long you can travel while being covered by our over 60s holiday insurance depends on the type of policy you choose, your exact age, and the places you’ll be going. If you’re under 65, you have access to our most generous trip lengths available, including up to 550 days on a single-trip policy to Europe.
For more details, including a region breakdown, take a look at our policy documents.
Single-trip policy maximum trip durations
Age
Region 1&2
Region 3
Region 4
0-65
550 days
550 days
550 days
66-70
366 days
276 days
184 days
71-75
366 days
184 days
123 days
76+
104 days
104 days
104 days
Single-trip policy maximum trip durations
Age
Annual Multi-Trip
0 - 70
Maximum 50 days in any one trip
183 days in total
71+
Maximum 35 days in any one trip
183 days in total
How to buy over 60s travel insurance
Whether you prefer completing a quick online quote or speaking to someone over the phone, we make buying travel insurance seamless.
1. Run us through your travel plans
To get started on your quote, we’ll go over your travel plans. We need to know who’s coming along, where you’re heading, how long your trip will be, and whether you need insurance for a single trip or annual multi-trip cover.
For cruises, it’s important to include every destination on your itinerary, as well as any flights to and from your port.
2. Tell us about your medical history
Next on the list, we’ll go over some health questions with you so we can make sure you get the best medical cover while travelling. Now is the time to tell us about any health concerns that needed medication, medical advice, or treatment during the last two years.
3. Get your personalised quote
Once we have everything we need, we’ll give you your personalised quote, either online or by reading it out loud over the phone.
You’ll be able to choose your level of cover and add any optional extras that suit your trip, such as cruise travel insurance or winter sports cover. If you’d like more time to think it over, we can also send your quote by email so you can go through it in your own time.
Many experts agree that buying travel insurance as soon as you’ve booked your holiday is the best way to go. By doing this, you’ll be covered during the run-up to your holiday and while you’re abroad.
Despite the benefits of buying early, lots of people leave it to the last minute. Our sales data from July 2025 to January 2026 shows that the majority of travellers purchased their policy within 30 days of leaving, with a significant proportion doing so within just a few days of departure.
Travel insurance can’t be backdated, so it’s best to get it locked in before you are on holiday. If you still have to get your policy in place for future travels, it’s not too late. Simply get in touch with our friendly team to get a quote.
How much is travel insurance for over 60s?
You might notice holiday insurance prices shifting a little bit once you hit your 60s, but most people can still get a great value policy, especially if they’re in good health. How much your policy costs depends on a few things, like:
where you’re going – healthcare costs vary dramatically across the world. Medical treatment in the USA can run into hundreds of thousands of pounds, while access to state healthcare in Europe can be free with a GHIC.
how long you’ll be away for – a 2-week long-haul trip leaves more time for things to go wrong than a short city break.
your medical history – any pre-existing conditions you declare will be factored into your cover and price.
the level of cover you choose – our Signature policy offers the most comprehensive protection of all our options, but is usually the most expensive.
How to get cheaper over 60s holiday insurance
Want to shrink the costs of your travel insurance while still getting the most out of your policy? Keep these tips and tricks in mind before you buy:
buy your policy early – taking out travel insurance soon after booking your trip can keep you covered if you need to cancel before you travel.
choose a higher excess – a higher excess will help to lower your premium, but be sure to choose an amount you’re comfortable paying if needed.
skip the add-ons – by not adding things like cruise or gadget cover if you don’t need them, you can lower your overall cover cost.
declare your medical conditions – being open about your health history helps to ensure the right cover is in place and makes sure all your claims sail through.
combine travellers on one policy – make sure all your travel companions are on the same policy, such as our family travel insurance, to save on cover costs.
keep your baggage light – by taking only what you need, you can lower the baggage limit on your policy and bring your premium down.
find a discount – make sure you swing by our discounts page before you buy so you can save on your policy.
Beth Craig
Travel insurance expert
Is annual multi-trip the best option for over 60s travel insurance?
What our expert says…
“If you’re one of many lucky over 60s taking more than one trip a year, an annual multi-trip policy might offer much better value than buying single-trip cover each time you jet off. If you’re looking to keep upfront costs low, it’s also worth knowing that if your policy comes to £80 or more, you can spread the cost across the year with our monthly payment plan.^^
”
The big-ticket costs travel insurance can help with
From October 2024 to October 2025, emergency medical expenses were our most common claim, and for good reason. Hospitalisation for a stomach bug in the USA with medical repatriation back to the UK could set you back £150,000+, according to the UK government.
In reality, the biggest claims are often more costly. While the average emergency medical claim on our worldwide policies was about £3000, the highest we paid was closer to an eye-watering £350,000.^
Over the same period, our second most common claim on worldwide policies was cancellation. If you need to pull the plug on your holiday, we can help you recover the prepaid costs – with the average cancellation claim on our worldwide policies coming in at around £2000, and the highest reaching more than £50,000.
Excellent 4.7 | 539,828 reviews
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With more 5-star Trustpilot reviews than any other provider.‡
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Voted Best Travel Insurance 9 years running
The British Travel Awards have recognised us as the Best Company for Travel Insurance nine years in a row (2016-2025). This achievement is based on the votes of real customers, showing the trust travellers place in us.
This award is only given to travel companies that provide stellar service to their customers. It shows that we prioritise customer service, round-the-clock support when you need it most, and a reliable and speedy claims process.
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Travel tips for adventurous 60-somethings
Before you book your trip
Before you confirm the details, here are a few things worth checking:
Check official travel advice
The world shifts quickly these days. Conflict, political unrest, and extreme weather can affect destinations with little warning. Make sure to check the FCDO website before you book. It flags local health risks, entry requirements, and areas to avoid. If the FCDO changes its advice after you’ve taken out your policy, you may be covered to cancel and claim back your costs – another reason to buy ASAB.
Pick a destination that excites you
Your 60s are prime time for the trips you’ve always promised yourself. Spring in Japan. A road trip through Australia. A slow boat along the Mekong. You’re likely no longer tied to school holidays, so go somewhere that genuinely thrills you!
Make the most of travelling off-peak
Travelling outside school holidays means quieter airports, lower prices, and a more relaxed experience all around. Spring and autumn can be ideal for milder weather in popular European spots and are often still warm enough for outdoor dining and sea swims.
Plan around how you want to feel
Not just what you want to see. If slow mornings, local markets and a chilled-out evening sound like your kind of trip, build your itinerary (or lack thereof) around that rather than squeezing in every landmark.
Getting ready to travel
A bit of preparation now can make things simpler while you’re away, and help avoid that last-minute rush the night before your flight.
Sort your medication early
Many travellers with medical conditions order prescriptions at least two weeks ahead. Bring enough for your whole trip, plus a few extra days in case of delays. Keep medication in its original packaging, with a copy of your prescription or GP letter if you’re travelling with anything restricted.
Get your documents in order
Save your validation certificate, policy number and our 24/7 emergency helpline in your phone before you travel. It will save you from panicking in a foreign A&E department.
Label the essentials
Add your name and number to luggage tags and any medical extras you’re packing.
Check your phone and money setup
If you’re going abroad, check if your mobile plan includes roaming. If not, look into local SIMs or offline maps. Let your bank know you’re travelling, especially if you’re using a card in new places.
Give someone your itinerary
Whether it’s a friend, family member, or neighbour, it can help to leave your travel plans and emergency contact details with someone at home, especially if you’re travelling solo.
Staying well abroad
You’ve arrived, now it’s time to enjoy it! A few small habits can help you feel your best while you’re away:
Factor in rest days
Building downtime into your itinerary isn’t giving in, it’s what separates a great trip from an exhausting one. A slow morning or an afternoon by the pool means you’re firing on all cylinders for the things that matter.
Watch the sun and UV index
Particularly in long-haul destinations. Heat exhaustion can creep up quickly, especially when you’re busy exploring. Pack your hat, lather on sunscreen, and find a spot of shade in the middle of the day.
Be mindful of altitude
If you’re heading somewhere high — the Andes, Nepal, even parts of the Alps — altitude sickness can affect anyone regardless of fitness. Take it slow for the first day or two.
Know where the nearest medical facility is
Worth a quick Google when you arrive, particularly in more remote destinations.
Travel with a small medical kit
This can include plasters, rehydration sachets, antihistamines, and pain relief.
Be aware of food and water safety by destination
Tap water in some destinations can cause issues even for seasoned travellers.
Other travellers over 60 ask...
We offer two types of travel insurance for people over 60, depending on how often you plan to travel:
Single trip cover – if you’re only planning one holiday, single-trip cover might be more cost-effective than annual cover.
Annual multi-trip cover – if you're taking more than one trip in the next 12 months. You’ll be covered for multiple holidays, up to a set number of days per trip.
Both options include access to our full range of cover. This can include protection for pre-existing medical conditions, depending on what you tell us during your quote.
Once you’ve chosen the type of policy, you’ll also be able to:
Select your destination – this affects what your policy includes and how much it costs.
Choose your level of cover – all policies come with medical cover, cancellation protection and baggage cover as standard, but you can pick the level that suits your plans:
Basic – essential cover generally, suitable for shorter trips with fewer valuables.
Comprehensive – a more generous level of protection.
Signature – our highest cover, with no excess to pay and the most extensive limits.
Add optional extras – these help tailor your policy to the type of trip you’re taking. You might want:
gadgets – protect your mobile, tablet, camera and other devices while you travel
winter sports – cover for skiing, snowboarding and other winter activities (included with Signature and Comprehensive annual multi-trip policies as standard)
golf holidays – protection for your golf equipment, green fees and more
cruise holidays – cruise-specific cover including cabin confinement and itinerary changes
excess waiver – reduce your out-of-pocket costs if you need to make a claim
travel disruption – cover for cancelled trips caused by unexpected events, like natural disasters, a food poisoning outbreak at your hotel, a terrorist event, war or conflict.
Many travel insurance providers set an upper age limit – often around 70 or 75 – which can make finding the right policy harder as you get older. At Staysure, we do things differently.
We offer travel insurance for pre-existing medical conditions, and all ages. In fact, we specialise in travel insurance for seniors.
You can explore our age-specific travel insurance pages here:
Staysure offers cover for 80+ activities as standard, whatever your age. That means less sitting quietly by the pool and more saying yes to the snorkelling trip, the tennis court, the cycle or the banana boat with the grandkids.
As long as they’re listed in your policy and you’re taking part on a non-professional, non-competitive basis, you can be covered.
See our policy documents for a full overview of the activities we cover.
Staysure over 60s holiday insurance policies cover you almost anywhere the wanderlust takes you, from Spain’s sun-kissed costas to the Australian outback. Choose Europe, Worldwide excluding USA/Canada, or Worldwide including USA/Canada at quote stage, and you’re set. The only red line is destinations the Foreign Commonwealth and Development Office (FCDO) advises against. If their advice changes after you buy, contact us — we can often rearrange cover or move travel dates.
Even close-to-home holidays can take unexpected turns. Having UK travel insurance means you won’t have to face them alone.
As long as your trip includes at least two consecutive nights in pre-booked and pre-paid accommodation, UK holidays can be included under your policy.
While the NHS offers free medical treatment, you’ll still be covered for other costs like trip cancellation, lost or stolen bags, and repatriation – for example, if you need to be moved to a hospital closer to home after a serious incident.
For UK cruises, you’ll still need to add Cruise Plus to your policy to get full protection whilst at sea.
The best travel insurance at this stage should keep pace with your plans.
That means more than just covering emergencies. After all, a good policy doesn’t just cover the big risks; it gives you backup for the things that could stand in the way of your plans.
The right policy for a traveller in their 60s will likely include:
clear medical cover for long-term conditions, even if they feel routine
support if your trip is cancelled unexpectedly, including before you travel
repatriation and 24/7 emergency help if something goes wrong abroad
Our standard travel insurance covers you for the basics, including emergency medical treatment, cancellation and lost baggage. However, cruises come with a very particular set of sea-(and river)-specific risks.
Our Cruise Plus add-on could be just the ticket if you're looking to cover:
missed port departure – a cruise is the only holiday where your bedroom is always moving, so it’s important you have insurance that covers this.
cabin confinement – if you’re advised to stay in your cabin due to illness, we’ll pay up to £75 for every full 24 hours you are confined, up to a total of £1000.
unused excursions due to cabin confinement – if you’ve booked and paid for an excursion but can’t attend because you’re confined to your cabin, you won’t lose out.
changes to your itinerary – if your cruise schedule changes and you miss planned stops, you can be compensated for the disruption.
cruise interruptions – if your trip is disrupted and you need to leave early, we might be able to help with additional costs.
If you’re fitting in a few rounds on holiday or heading off on a golf-focused break, our golf cover add-on can help. It protects your equipment for up to £5,000, covers hire costs if your clubs go missing, and can even reimburse prepaid green fees if illness or bad weather stops play.
We’ll also pay £300 if you score a hole in one on a recognised course – just in case this is the trip it happens.
Travelling solo is more popular than ever. With 1 in 6 people having taken a holiday by themselves, it’s not just gap-year backpackers going it alone. More people in and around their 60s and beyond are choosing to travel on their own terms.
Our over 60s travel insurance can cover solo trips and backpacking – as long as you name all of your destinations when taking out your policy.
If you’re taking the kids or grandkids on holiday, you don’t need to take out insurance with lots of different providers.
If you’re travelling as a traditional family unit (1 or 2 parents with children) our family travel insurance can cover you all under one policy. Children need to be under 18, or under 21 if in full-time education.
If your group is a little bigger – think grandparents, siblings, or friends travelling together – our group travel insurance is likely the best fit. You can cover up to 9 people online, or up to 30 when you call us. You don’t all need to live at the same address.
Whether you choose family or group cover, you’ll all be covered under one policy, which keeps things simple. And if one person needs to cancel or cut short their trip due to a medical emergency, the rest of your group can be covered too.
We’re often able to include a wide range of conditions. In fact, up to 97% of people who tell us about their medical history are offered a policy.
During the medical screening process you’ll need to let us know if you’ve had any of the following in the past two years, relating to your medical condition:
Symptoms
Treatment/medication
Investigation
Medical appointments
Follow-ups
Check-ups
Surgery
If you don’t declare a condition, we won’t be able to cover you for any claims related to it. Being open and accurate during your screening means your policy will be able to support you when you need it most.
You can take out holiday insurance on behalf of another person, whether that’s a parent, a child, a companion or someone you care for.
There are a few things worth keeping in mind when you do this, however, the most important of which is consent. The person being insured needs to know a policy is being taken out in their name.
The policy also needs to be accurate. For example, if you’re buying on behalf of an elderly parent, it’s important you know their full medical history, their current medications and any recent diagnoses, symptoms, and appointments. Getting those details wrong, even with the best of intentions, could affect the validity of their cover.
For that reason, the best way to get travel insurance on behalf of someone is to do it with them. Our friendly team will help you through the process.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It's quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that's details are staying the same, just visit your My Staysure account.
*Travel Doctor is powered by Air Doctor. Up to 3 appointments per insured person, per policy. Geographical restrictions and T&Cs apply.
**On Signature policies only.
***As long as strike action wasn’t common knowledge at the time of booking your trip or taking out your policy – whichever came later.
†Subject to screening. See our policy documents for full details of what’s included.
‡UK’s favourite based on more 5-star Trustpilot reviews than any other provider.
^ Based on Staysure sales data.
^^Available on Annual Multi-Trip polices to the value of £80 and over. Howserv Ltd use Premium Credit Ltd ((PCL) an external credit provider) to provide finance. Howserv is a credit broker not a lender and receive a commission for introducing customers to PCL. On acceptance, a credit agreement will be set up. Representative example based on a £200 policy (net of the paid deposit of £18.61). An Annual Percentage Rate of 24.9% will be charged with a fixed interest rate of 12.55%. Amount of interest over 11 months= £22.77. Monthly repayments of £18.56. Total amount payable £222.77. Correct at time of print.
Experts in covering pre-existing medical conditions
