Travel insurance for over 70s

We offer two types of travel insurance for people over 70, 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. 

We’re often able to include a wide range of conditions that are more common later in life. In fact, up to 97% of people who tell us about their medical history are offered a policy. 

You can browse for your condition here, or simply start a quote. Even if your condition isn’t listed, we might still be able to help. 

When you get a quote, we’ll ask a few straightforward questions to understand your health. You can complete the screening online or over the phone – whichever feels easier. It’s not a test or a judgment – just a way to make sure your policy reflects your needs. 

A pre-existing medical condition is any illness or diagnosis you’ve had treatment, medication, symptoms or appointments for in the last two years. We’ll also ask if you’ve ever had heart problems, circulation issues or other long-term concerns, even if they were years ago. 

Being open about your health means your policy can do its job properly. 

Want more guidance on what to tell us? Read our guide to declaring medical conditions. 

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:  

• Over 50s travel insurance. 

 
• Over 60s travel insurance. 

 
• Over 65s travel insurance. 

 
• Over 75s travel insurance. 

 
• Over 80s travel insurance. 

 
• Over 85s travel insurance. 

•  And beyond  

Many bank travel insurance policies include age limits or restrictions around pre-existing medical conditions. That means you could be travelling without proper protection and not realise it, especially if you haven’t read the small print.  

Our Don’t Bank On It Report found that 3.3 million UK holidaymakers over 50 may be travelling with inadequate insurance, often because they’re relying on complimentary cover from their bank. One in four adults said they chose bank insurance because it was free, but those who relied on it were more likely to have a claim rejected.  

That’s where specialist insurance providers like us come in. At Staysure, we offer cover for all ages, and pre-existing medical conditions  like high blood pressure, diabetes or a history of stroke – if you tell us about them when you get a quote.  

If you’re not sure what your bank policy includes, or whether it’s enough for your trip, it could be a good idea to speak to a specialist.  

There’s no single ‘best’ policy for everyone – but the right one should feel like it’s made for you, not just someone your age. 

This often means finding a policy that allows you to declare any health conditions clearly, with support if you need it. Many senior travellers live with long-term conditions like high blood pressure or diabetes. The right insurance gives you the chance to have these included, so you’re properly protected if they affect your trip. 

It also helps to know what else is built in. Medical cover should go well beyond the basics, not just hospital bills, but things like ambulance transport, staying longer if you're too unwell to travel, or getting you home safely with medical support. You might also want cover for cancelling your trip if your health changes before you go. 

Some policies include generous baggage limits or options to remove the excess, whilst others offer extras like cruise cover. The important thing is knowing how the policy works with your situation, not just your destination. 

Staysure covers 100+ activities as standard, whatever your age. That means less poolside lounging and more snorkelling trips, tennis court matches, scenic bike rides and banana boating 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.  

Yes – and you’ll be in good company too. According to the Cruise Lines International Association (CLIA), 15% of cruisers are over 70.  

Our standard travel insurance covers you for the basics, like 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 taking the kids, grandkids, or even the great grandkids on holiday, you don’t need to take out insurance with lots of different providers. 

Our group travel insurance is likely the best fit for a multi-generational getaway. 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 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. 

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. 

If you’re one of the lucky 371,000 households with a bolthole abroad, we’ll be able to cover your visits there. The important thing is choosing a travel insurance policy that matches your cover needs, so you don’t pay more than you need to while staying fully protected. 

Because you own the property, you likely won’t face accommodation costs if you need to cancel – so your cover on this front might be lower than a standard holiday. With this said, you’ll still need to make sure your travel insurance has ample medical and repatriation cover. And it’s also worth considering a trip disruption add-on and tailoring your baggage cover to match the value of your luggage.  

If you visit your holiday home more than once a year, annual multi-trip cover may give you better value overall compared to buying multiple single-trip policies.