Travel Insurance for Over 60s
Helping the over 60s feel good about their next holiday
- 99% of pre-existing medical conditions covered
- No upper age limit
- 24/7 medical assistance helpline
Why do I need over 60s travel insurance?
Travel insurance can help us feel more confident and safe on holiday. It provides a safety net against the cost of medical bills, travel cancellation, lost property, and more. And, as we age, having some extra security can feel more important than ever - especially if you have any pre-existing medical conditions.
However, finding the right travel insurance can feel tricky. Some providers put age limits in place and many older travellers like visiting destinations where the cost of healthcare is expensive.
With Age Co Travel Insurance, those over 60 can still travel with confidence. Our coverage has no upper age limits in place. We also cover 99% of pre-existing medical conditions and offer worldwide options, helping you get more out of later life.
What does over 60s travel insurance cover?
Age Co works in partnership with AllClear, who were carefully selected as our travel insurance provider for the benefits they provide to over 60s holiday-goers.
- Cover for over 1,300 different pre-existing medical conditions
- No upper age limit
- Covid cover included with every policy
- 24/7 medical assistance is included as standard
- Up to unlimited emergency medical and repatriation cover
- UK, Europe and Worldwide cover options to choose from
- Cover for cancellations and travel delays
- Protection for personal items and medical equipment
What’s not covered by over 60s travel insurance?
Regardless of age, it’s important to be honest with your provider and make sure you read through the terms of your policy carefully. If a medical condition isn’t declared, then you may find your policy invalid and your claim facing rejection. Even if a health issue arises after your policy has been taken out, you still must disclose this to your provider.
How much will over 60s travel insurance cost?
The price of your travel insurance will depend on a number of different factors, including:
Your destination: those associated with high medical expenses, such as the USA, may require a more expensive premium.
Length of trip: as the longer you are away, the more likely it is that a claim might be made.
Pre-existing conditions: while your medical history might not prevent you from securing an insurance policy, it will likely affect the price.
Type of policy: it can be more cost-effective to choose an annual plan if you plan on enjoying two or more holidays in a year.
Get in touch with AllClear
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What's covered
Choose from three levels of cover
Gold |
Gold Plus |
Platinum |
|
Emergency medical expenses and Repatriation costs |
Up to £10m |
Up to £15m |
Unlimited |
Cancellation |
Up to £2k |
Up to £15k |
Up to £25k |
Travel Delay |
Up to £300 |
Up to £1,500 |
Up to £1,500 |
Recuperation stay |
✔ |
✔ |
✔ |
Personal Belongings |
Up to £2k |
Up to £2.5k |
Up to £3k |
Personal liability |
Up to £2m |
Up to £2m |
Up to £2m |
Mobility aids |
Up to £500 |
Up to £2,500 |
Up to £2,500 (no excess) |
Legal protection cover |
Up to £50k |
Up to £50k |
Up to £100k |
Cruise cover |
✖ |
Available as an optional extra |
Included as standard |
Optional extras
Available for all three levels of cover, you can choose to customise your policy with any of these optional extras.
Golf cover: keen golfers can get peace of mind for their next big trip with cover that includes protection for both equipment and green fees.
Natural disaster cover: if your trip is disrupted by unforeseen circumstances, such as wildfires or a typhoon, you’ll be compensated for flight and accommodation costs.
Waiting list cover: protects you in the event of any pending medical treatment getting in the way of your holiday. For example, if a scheduled operation is brought forward and your trip needs to be cut short.
Travelling companion cover: if you’re travelling with a friend or family member who is insured by another provider, this will cover the cost of their cancellation or curtailment, should you become unwell and aren’t able to travel.
Gadget cover: we offer extra protection for items such as cameras, mobile phones, tablets, and laptops. Should they be lost, stolen or suffer from accidental damage, you’ll be covered for up to £2,500.
Policy documents
Your policy documents contain information about the features, exclusions and limitations of Age Co Travel Insurance, provided by AllClear. If you’re an existing customer, you can find further information related to your insurance via our dedicated section.
Policy Document (valid from 14th June 24)
Policy Document (valid up to 13th June 24)
Gold Product Information Document IPID
Gold Increased Excess Product Information Document IPID
Gold Excluding Cancellation Product Information Document IPID
Gold Plus Product Information Document IPID
Gold Plus excluding cancellation Product Information Document IPID
Platinum Product Information Document IPID
Annual Cover
If you’re over 60 and have three or more trips planned for the year, annual cover could be a cost-effective solution for your travels. You’ll save time on taking out multiple single-trip policies, while still being protected by a comprehensive insurance product.
Age Co’s annual travel insurance is available for a range of trips, including beach holidays and snowy getaways. With our customisable cover levels, you can select the coverage that gives you the confidence to explore the world.
Single Trip Cover
As the name suggests, this kind of policy is designed to protect you during a single holiday. It can be a great option for those over 60 who only have one or two trips planned for the year. Even if your policy is single trip, your coverage will extend to medical emergencies, lost or damaged personal possessions, and unexpected cancellations.
Single-trip travel insurance can be purchased up to 12 months before your departure, allowing you to benefit from our cancellation cover far in advance.
Frequently asked questions
Is over 60s travel insurance more expensive?
Prices will vary due to a number of different factors, including:
- Medical history
- Where you plan on travelling to
- Length of your trip
However, on the whole, you will find the cost of travel insurance starts to go up once you hit 65. This doesn’t mean you won’t be able to find quality protection for a fair price. Age Co Travel Insurance doesn’t have an upper age limit for any of our cover levels. But, if you are worried about price, it's always worth comparing the market and assessing whether any changes to your holiday could help bring costs down.
Can I be insured against coronavirus if I’m over 60?
Yes, many providers will still include protection against costs relating to Covid-19 in their coverage. With Age Co Travel Insurance, travellers over 60 can benefit from our coronavirus safeguards, which include:
- Cancellation costs will be covered, should you or a member of your travelling party contract Coronavirus within 14 days of your scheduled departure.
- Covid-19 treatment while on holiday, including up to unlimited in emergency care costs.
- If a member of your immediate family is hospitalised or passes away due to Coronavirus, the cost of ending your trip early will be covered.
Does over 60s travel insurance cover golf?
This will vary between providers. Some may include it as part of their standard product, but most will offer it as an optional extra. At Age Co, we want you to feel in control of your travel insurance and allow golf cover to be added, should you need it, to any of our cover levels. This lets both you and your equipment receive quality protection when aboard.
Are cruise holidays covered by over 60s travel insurance?
Some travel insurance providers will offer over 60s travellers cruise cover as part of their standard product - otherwise, it may be offered as an optional extra. Together with AllClear, Age Co Travel Insurance can create an insurance plan that covers the specifics of travelling on a cruise ship, such as:
- Missed port departure
- Cabin confinement
- Itinerary change
You can add cruise protection to an Age Co Gold Plus policy, and it’s included as standard on our Platinum level.
Can someone else join your Travel Insurance policy if they're under 60?
If you choose Age Co Travel Insurance, you can add a friend or family member to your policy - no matter what age they might be.
Having your travelling companions on the same policy can be a great option for a trip. For example, if you both benefit from the same cancellation cover, it can make the claims process that much easier and give you both the same peace of mind.
Does being over 60 affect how long you can travel for?
There are some points to bear in mind when mapping out the length of your next trip. Firstly, the longer you plan on being away, the more expensive your premium will become, as there’s a greater chance of a claim being made. Alongside this, there are differences between single trip and annual cover.
With Age Co Travel Insurance, you will be able to travel for up to:
- 365 days on a single trip Travel Insurance policy
- 45 days per trip on annual multi-trip policies - with the option to extend up to 55 days
As with all things related to travel insurance, it’s best to detail everything you can regarding your plans to a provider. They’ll then ensure you get the right protection for your trip.
Age Co Travel Insurance is provided by IES Limited, trading as AllClear, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. IES Limited will contribute to Age Co a percentage of the premium (excluding IPT) from every Age Co Travel Insurance policy sold. Age Co is 100% owned by Age UK and gives its profits to the charity. Age Co Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.