Why do I need over 65 travel insurance?

Goodtogo over 65s travel insurance can provide financial protection. Goodtogo can help protect you financially if you fall ill or suffer an injury while away, or if you have to cancel your holiday for an insured reason. a close family member's illness, being summoned for jury service, or redundancy. Please refer to the policy wording for a full list of situations where cancellation costs are covered.

How does travel insurance for over 65s work?

Arranging travel insurance for over 65s with goodtogo is straightforward. You can request a quote online or speak to our customer service team on 0330 024 9949. We’ll ask for your travel dates, destinations, and the details of everyone who needs to be insured. You’ll also be asked about any existing medical conditions, so it’s important to provide complete and accurate information. Once your quote is ready, you can select any optional extras you may need and complete your purchase. Your policy documents will then be sent to you and should be taken with you when you travel, as they include emergency assistance and claims information. If you need medical help while abroad, our emergency medical assistance team is available 24 hours a day to support you.

When should I buy over-65 travel insurance?

Travel experts, including Martin Lewis from Money Saving Expert, recommend buying travel insurance as soon as you book your trip. This applies whether you are over 65 or not. Early cover means you are protected if you need to cancel due to illness or injury, and it also helps safeguard you if strikes or industrial action disrupt your travel plans.

What types of over-65 travel insurance do you offer?

Goodtogo offers travel insurance for over 65s for single trips and cruise holidays across Europe and worldwide. Annual travel insurance is also available, providing cover for multiple trips over a 12-month period.

How much does travel insurance for over-65s cost?

The price of travel insurance for people over 65 depends on factors such as your destination, trip duration, and any medical conditions you declare. To find out the cost of your individual cover, request a quote online. Get Quote

Is there an upper age limit on travel insurance?

There is no upper age limit with goodtogo. We can often provide cover for travellers in their 70s, 80s, and even 90s, including cover for most pre-existing medical conditions.

Do I need a GHIC card?

If travelling to Europe, you should carry a GHIC card, which allows access to state-provided healthcare during temporary stays. The card is free via the NHS website.

Do I need over-65 travel insurance if I have a GHIC?

While a GHIC may entitle you to healthcare at local rates, it does not cover everything. It won’t cover extended hospital stays, alternative travel arrangements, or transportation home if you are unable to return as planned. Travel insurance for individuals over 65 includes repatriation cover, which can be essential in certain situations. Without insurance, you could face high costs or be required to stay abroad until you are fit to travel on a standard flight. Repatriation support may include: - Paying for replacement flights if medical treatment causes you to miss your original departure - Arranging extra seating or a stretcher when medically required - Providing a medical escort to accompany you during your journey - Organising an air ambulance back to the UK if necessary Our medical team has specialist experience in aviation medicine and will determine the safest and most appropriate way for you to return home. In some cases, immediate travel may not be possible, even if you are classed as fit to fly. If you need to remain overseas for further treatment, our policies can also cover extra accommodation and travel costs for you and one companion who must stay with you for medical reasons.

Can I get travel insurance for over 65 with medical conditions?

Yes. goodtogo can offer travel insurance for over-65s with a wide range of pre-existing medical conditions, including some more serious ones, and there is no age limit. All medical conditions must be declared when you request a quote.

What counts as a pre-existing medical condition?

A condition is pre-existing if you or anyone travelling with you answers “yes” to any of the following: - Prescribed medication, treatment, or doctor visits in the last 2 years - Hospital or clinic attendance as an inpatient or outpatient in the last 2 years - Currently awaiting medical tests, investigations, or treatment - Diagnosed with a terminal illnessDiagnosed or treated for a mental health condition, including stress, anxiety, depression, eating disorders, or drug/alcohol misuse

How can I get the best travel insurance for over-65s?

The right travel insurance is the policy that suits your personal circumstances. When getting a quote, provide accurate and honest information so we can offer cover that properly meets your needs.

Why does my age affect the price?

Statistically, older travellers are more likely to require medical assistance or repatriation. However, by choosing a destination closer to home (like Europe or the UK), you can often find more affordable over-65s travel insurance.

Can I cover my younger travelling companions?

Yes! We recommend insuring your companions on the same policy. If you have to cancel due to your medical condition, they will also be protected—something that isn't guaranteed if they have a separate provider.

Travel Insurance for Over 65s | No Age Limits

Travel Insurance for Over 65s

Don't let your age or medical conditions hold you back! At goodtogo, we believe that travel has no expiry date. We specialise in providing travel insurance for the over-65s:

Travel insurance with no upper age limit
Cover for medical conditions

Get a quote Retrieve a quote

Written by

Maria Hughes

Travel Insurance Expert

Date posted

January 6th 2025

Last updated

May 27th 2026

What they say

About us

"Easy to use website and good value insurance for two older travellers."

B Bettridge

"Very helpful and kept it simple. As I'm 82 I find it harder to understand modern shopping. He was very polite and not pushy. Would use you again"

A Eastwood

"Used a compare site for holiday insurance for an elderly relation with several health issues related to her age. This one came up as the best value for the cover we needed."

C Masters

"The staff were very helpful with all my questions and showed great patience with me. Can highly recommend them as it was lovely to speak to such obliging staff."

Mrs Brenda Appleby

Over 65 Travel Insurance

Confidence to travel at any age

Need travel insurance over 65? goodtogo specialises in travel insurance with no upper age limit.

We are proud to be able to provide single trip and annual travel insurance cover to travellers who are over 65, over 70 or even over 90. Whether you are looking for a relaxing cruise or a family getaway, our policies are designed to handle the complexities of senior travel with ease.

Travel insurance over 65 - no age limits
Pre-existing medical conditions can be covered
Three levels of travel insurance to choose from

Get a quote

Trusted by over 1,169,964

Since 2010, we have insured over 1,169,964 travellers who may have had difficulty finding travel insurance due to their age or medical conditions, enabling them to take the holiday they wanted with the peace of mind that they are fully covered.

Travel insurance over 65: cover for medical conditions

Being over 65 doesn't stop you from enjoying yourself and seeing the world, but it might mean you are more likely to have a pre-existing medical condition that your travel insurance needs to cover. Organisations such as Age UK provide helpful guidance on travelling, particularly when managing health conditions abroad.

Goodtogo provides single-trip travel insurance for over 65s who are travelling with all sorts of medical conditions, from asthma through to heart disease, cancer and mental health conditions. We can also cover your travelling companions on the same policy.

Cover for pre-existing medical conditions
Up to a high level of severity and sometimes even a terminal prognosis
We can cover most cases of Cancer, Heart Conditions, Diabetes, Stroke, Epilepsy and many more
In most cases, cover can be provided to those still undergoing treatment, e.g. chemotherapy or radiotherapy
Cover for mental health conditions

When you get a quote, we will ask you a series of simple questions about your medical condition to help us provide the appropriate travel insurance cover for your holiday. It's very easy and will only take a few minutes.

More information on travelling with medical conditions

Get a quote

Why choose goodtogo for over-65s travel insurance?

Goodtogo are a specialist travel insurance provider. Our policies are specifically designed to offer suitable cover for those over the age of 65.

Mobility aids & medication

All policies include cover for mobility aids and prescription medication.

Medical Conditions

Our policies can cover all types of pre-existing medical conditions, up to a high level of severity.

24/7 Emergency Assistance

Our English-speaking medical emergency assistance team are just a phone call away - wherever you are in the world.

On a waiting list

We can cover you while you are on a waiting list for treatment, so long as it is for a diagnosed condition.

Top travel insurance tip

Buy over-65s travel insurance as soon as you have booked your holiday

Pro tip: Experts like Martin Lewis (Money Saving Expert) recommend buying your policy the moment you book your trip.

It's important to buy your travel insurance as soon as you book your holiday so you are covered for cancellation if you are unable to travel. Cancellation costs can be claimed when specific circumstances, such as illness of you or a close relative, being called for Jury Service, or redundancy, mean you are unable to travel as planned. See the policy wording for the full list of circumstances in which cancellation costs are covered.

Another good reason to buy travel insurance as soon as possible after booking your holiday is to ensure you have cover in place if a strike is called, which could affect your trip.

To be covered under the Travel Delay and Abandonment section of your travel insurance, you must have booked your holiday and bought your insurance policy before a strike is announced. In the current climate, you never know when a strike will be called, so it pays to buy travel insurance over 65 cover immediately after you've booked your holiday.

Get a quote

At 65, you deserve a policy that recognises your experience rather than just your date of birth. We focus on comprehensive benefits that allow you to enjoy retirement adventures with financial security.

Grant Winter - Our expert

Choosing the right travel insurance product

Three types of travel insurance for over 65s

Single Trip

Our single-trip travel insurance has no age limits, and is ideal for travellers with pre-existing medical conditions. It is designed to cover one holiday or trip, with a maximum duration of 94 days. To be valid, your travel insurance must cover your entire trip, from your departure from the UK to your return to the UK.

Annual

Our annual travel insurance also has no age limits and can cover an unlimited number of holidays in one year; each trip can be up to 31 days. Trips must start and end within the insured period to be covered. European and Worldwide annual travel insurance cover is available.

Cruise

Our cruise insurance policies provide the following benefits to travellers with medical conditions: Emergency medical expenses, including airlifting to a hospital (if medically necessary). Flexible cancellation cover up to £10,000 per person, plus cover for cabin confinement, missed port departure, itinerary change, unused excursions, and cruise interruption.

Our travel insurance cover for over 65s

Cover and benefits

We offer standard travel insurance as well as cruise insurance, both are available as single trip or annual policies and can cover all types of medical condition. You can toggle between standard and cruise to see all levels of cover.

All amounts stated are per person and per trip.

Cruise

Feature	SilverBasic Silver is our most economical travel insurance. It provides cover under the Medical and Mobility Aids sections only. If you want to be assured that your medical expenses are covered if you fall ill abroad, but are not worried about travel insurance cover for cancellation or your possessions, this is the policy for you.Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Cancellation cover up to £1,000. There is an excess of £150 in the event of a claim.	GoldStandard Our best selling travel insurance. Gold cover provides Medical and Repatriation cover up to £10 million, as well as cover for Cancellation and Curtailment, Personal Possessions, Travel Delay and much more.Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £10,000. There is an excess of £100 in the event of a claim.	PlatinumPremium Platinum provides our highest level of travel insurance cover. It provides the same level of Medical and Repatriation cover as our Silver and Gold policies, with increased cover for Cancellation and Personal Possessions. Plus there is no excess payable on Platinum policies.Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £15,000. There is an excess of £50 in the event of a claim.
Emergency Medical and Repatriation Expenses (Not Private Medical Insurance)	£10 Million	£10 Million	£10 Million
Cancellation and Curtailment		£2000	£5000
Personal Possessions (Not Gadgets)		£2000	£3000
Excess The amount you will have to pay towards the cost of a claim.	£100	£75	NIL
Missed Departure		£500	£500
Personal Accident	£15,000	£20,000	£20,000
Personal Accident Under 18 and over 75 yr old limit	£1,500	£1,500	£1,500
Loss of Medication	£300	£300	£300
Mobility Aids	£2500	£2500	£2500
Personal Liability		£2 Million	£2 Million
Legal Expenses		£25,000	£25,000
Cancellation and Curtailment	£1000	Flexible (up to £10,000)	Flexible (up to £15,000)
Emergency Medical and Repatriation Expenses (Not private medical insurance)	£10 Million	£10 Million	£10 Million
Personal Possessions (Not gadgets)	£1000	£2000	£3000
Excess	£150	£95	£50
Missed Departure	£500	£750	£1000
Personal Accident	£25,000	£25,000	£25,000
Personal Accident Under 18 and over 75 year old limit	£1500	£1500	£1500
Loss of Medication	£300	£300	£300
Mobility Aids	£2500	£2500	£2500
Personal Liability	£2 Million	£2 Million	£2 Million
Legal Expenses	£25,000	£25,000	£25,000
Cabin Confinement	£50 for each full 24 hours up to £500	£50 for each full 24 hours up to £1000	£50 for each full 24 hours up to £2000
Missed Port Departure	£500	£750	£1000
Itinerary Change	£100	£250	£500
Unused Excursions	£25 for each full 24 hours up to £250	£25 for each full 24 hours up to £750	£50 for each full 24 hours up to £1500
Cruise Interruption	£250	£500	£1000

Silver Basic Cruise

Silver is our most economical travel insurance. It provides cover under the Medical and Mobility Aids sections only. If you want to be assured that your medical expenses are covered if you fall ill abroad, but are not worried about travel insurance cover for cancellation or your possessions, this is the policy for you. Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Cancellation cover up to £1,000. There is an excess of £150 in the event of a claim.

What's included:

Emergency Medical and Repatriation Expenses
(Not Private Medical Insurance)
£10 Million
Excess
The amount you will have to pay towards the cost of a claim.
£100
Personal Accident
£15,000
Personal Accident
Under 18 and over 75 yr old limit
£1,500
Loss of Medication
£300
Mobility Aids
£2500

Gold Standard Cruise

Our best selling travel insurance. Gold cover provides Medical and Repatriation cover up to £10 million, as well as cover for Cancellation and Curtailment, Personal Possessions, Travel Delay and much more. Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £10,000. There is an excess of £100 in the event of a claim.

What's included:

Emergency Medical and Repatriation Expenses
(Not Private Medical Insurance)
£10 Million
Cancellation and Curtailment
£2000
Personal Possessions
(Not Gadgets)
£2000
Excess
The amount you will have to pay towards the cost of a claim.
£75
Missed Departure
£500
Personal Accident
£20,000
Personal Accident
Under 18 and over 75 yr old limit
£1,500
Loss of Medication
£300
Mobility Aids
£2500
Personal Liability
£2 Million
Legal Expenses
£25,000

Platinum Premium Cruise

Platinum provides our highest level of travel insurance cover. It provides the same level of Medical and Repatriation cover as our Silver and Gold policies, with increased cover for Cancellation and Personal Possessions. Plus there is no excess payable on Platinum policies. Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £15,000. There is an excess of £50 in the event of a claim.

What's included:

Emergency Medical and Repatriation Expenses
(Not Private Medical Insurance)
£10 Million
Cancellation and Curtailment
£5000
Personal Possessions
(Not Gadgets)
£3000
Excess
The amount you will have to pay towards the cost of a claim.
NIL
Missed Departure
£500
Personal Accident
£20,000
Personal Accident
Under 18 and over 75 yr old limit
£1,500
Loss of Medication
£300
Mobility Aids
£2500
Personal Liability
£2 Million
Legal Expenses
£25,000

Frequently asked questions

Travel insurance for over 65s FAQ

Our experts are here to answer your questions about travel insurance for over 65s

Goodtogo over 65s travel insurance can provide financial protection. Goodtogo can help protect you financially if you fall ill or suffer an injury while away, or if you have to cancel your holiday for an insured reason. a close family member's illness, being summoned for jury service, or redundancy. Please refer to the policy wording for a full list of situations where cancellation costs are covered.
Arranging travel insurance for over 65s with goodtogo is straightforward. You can request a quote online or speak to our customer service team on 0330 024 9949. We’ll ask for your travel dates, destinations, and the details of everyone who needs to be insured.
You’ll also be asked about any existing medical conditions, so it’s important to provide complete and accurate information. Once your quote is ready, you can select any optional extras you may need and complete your purchase. Your policy documents will then be sent to you and should be taken with you when you travel, as they include emergency assistance and claims information.
If you need medical help while abroad, our emergency medical assistance team is available 24 hours a day to support you.
Travel experts, including Martin Lewis from Money Saving Expert, recommend buying travel insurance as soon as you book your trip. This applies whether you are over 65 or not. Early cover means you are protected if you need to cancel due to illness or injury, and it also helps safeguard you if strikes or industrial action disrupt your travel plans.
Goodtogo offers travel insurance for over 65s for single trips and cruise holidays across Europe and worldwide. Annual travel insurance is also available, providing cover for multiple trips over a 12-month period.
The price of travel insurance for people over 65 depends on factors such as your destination, trip duration, and any medical conditions you declare. To find out the cost of your individual cover, request a quote online.
Get Quote
There is no upper age limit with goodtogo. We can often provide cover for travellers in their 70s, 80s, and even 90s, including cover for most pre-existing medical conditions.
If travelling to Europe, you should carry a GHIC card, which allows access to state-provided healthcare during temporary stays. The card is free via the NHS website.
While a GHIC may entitle you to healthcare at local rates, it does not cover everything. It won’t cover extended hospital stays, alternative travel arrangements, or transportation home if you are unable to return as planned. Travel insurance for individuals over 65 includes repatriation cover, which can be essential in certain situations.
Without insurance, you could face high costs or be required to stay abroad until you are fit to travel on a standard flight.
Repatriation support may include:
- Paying for replacement flights if medical treatment causes you to miss your original departure
- Arranging extra seating or a stretcher when medically required
- Providing a medical escort to accompany you during your journey
- Organising an air ambulance back to the UK if necessary
Our medical team has specialist experience in aviation medicine and will determine the safest and most appropriate way for you to return home. In some cases, immediate travel may not be possible, even if you are classed as fit to fly.
If you need to remain overseas for further treatment, our policies can also cover extra accommodation and travel costs for you and one companion who must stay with you for medical reasons.
Yes. goodtogo can offer travel insurance for over-65s with a wide range of pre-existing medical conditions, including some more serious ones, and there is no age limit. All medical conditions must be declared when you request a quote.
A condition is pre-existing if you or anyone travelling with you answers “yes” to any of the following:
- Prescribed medication, treatment, or doctor visits in the last 2 years
- Hospital or clinic attendance as an inpatient or outpatient in the last 2 years
- Currently awaiting medical tests, investigations, or treatment
- Diagnosed with a terminal illness
  Diagnosed or treated for a mental health condition, including stress, anxiety, depression, eating disorders, or drug/alcohol misuse
The right travel insurance is the policy that suits your personal circumstances. When getting a quote, provide accurate and honest information so we can offer cover that properly meets your needs.
Statistically, older travellers are more likely to require medical assistance or repatriation. However, by choosing a destination closer to home (like Europe or the UK), you can often find more affordable over-65s travel insurance.
Yes! We recommend insuring your companions on the same policy. If you have to cancel due to your medical condition, they will also be protected—something that isn't guaranteed if they have a separate provider.

Customer testimonial

"Very easy to get your insurance online. Quote given and booked in a few minutes. Price was a no brainer. Much cheaper than silly quotes from similar companies as I’m over 70yrs old."

Customer testimonial

"An easy and straightforward website ! For an oldie who doesn't like technology ! Holiday insurance was done in 5 minutes!"

Emergency assistance: Customer testimonial

"I have written to Zeneb thanking her for helping repatriate my mother. She was fantastic. I also thank the team at Global Response for helping."

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Travel insurance for over 65s

Get an over 65s travel insurance quote for your next holiday ¶

It should only take a few minutes to get a travel insurance quote and we can issue cover immediately. Simply tell us your destination, travel dates and declare your medical history.

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