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Travel Insurance · Over-65s · UK 2026

Travel insurance for over-65s (UK 2026)

A healthy over-65 can expect to pay around £90 for two weeks’ cover in Europe in 2026 — though a worldwide or USA trip, or a declared medical condition, pushes the premium higher. Age alone need not price you out: it changes what you pay and where you buy.

See the price rangesWhat to look for
Compare travel insurance quotes
£1,830
Average travel claim, ages 71–75 (ABI)
1,300+
Pre-existing conditions specialists can cover
£5m+
Minimum emergency medical cover to look for
Direct answer

How much is travel insurance for the over-65s?

In 2026 a fit, healthy traveller aged 65 or over typically pays in the region of £80–£120 for a two-week single trip to Europe, rising to roughly £120–£180 for worldwide cover excluding the USA and £200–£350 or more for the USA and Canada. An annual multi-trip policy is often worthwhile if you take two or more trips a year, usually landing near £150–£180 for Europe and £250–£350 worldwide. Declaring a managed condition such as controlled blood pressure adds a modest amount; a history of heart or cancer treatment can add substantially more. The figures on this page are indicative ranges to help you orient, not quotes — your own price depends on age, health, destination and trip length. For the wider picture across all ages, see our pillar guide, how much travel insurance costs in the UK (2026).

Pricing

Typical 2026 premiums for an over-65 traveller

The table below shows indicative premiums for a healthy traveller aged around 65–70 with no significant pre-existing conditions. Prices climb with age — the over-70s and over-75s pay more again — and with the level of medical cover, excess and add-ons you choose.

Indicative over-65s travel insurance premiums, UK 2026
Healthy traveller aged 65–70; USA and worldwide cover cost the most.
Europe single (2wk)£90 Worldwide excl USA£140 USA / Canada single£230 Annual, Europe£160 Annual, worldwide£300 +Managed condition£165

Source: indicative 2026 UK insurer price ranges with ABI, Which? and MoneyHelper industry data.

Cover type (healthy, 65–70)Indicative 2026 premium
Single trip, Europe (2 weeks)£90 (typ. £80–£120)
Single trip, worldwide excl. USA£140 (typ. £120–£180)
Single trip, USA / Canada£230 (typ. £200–£350+)
Annual multi-trip, Europe£160 (typ. £150–£180)
Annual multi-trip, worldwide£300 (typ. £250–£350)
Single trip, Europe + managed condition£165 (typ. £140–£180)

Indicative ranges for orientation only — not quotes. Actual prices depend on age, health, destination, trip length and excess.

What matters

What drives the price — and what to look for

Premiums rise with age because the likelihood and cost of a claim go up. The ABI reports the average travel claim for those aged 71–75 at around £1,830, well above the figure for travellers in their late 30s, and medical claims are the single biggest category — averaging roughly £1,500 per claim across all ages. That is why the medical section of a policy matters far more than the price headline. The main levers on an over-65s premium are:

  • Age band: prices step up at 65, again at 70 and 75; some insurers cap new annual policies at 70, so specialists matter as you get older.
  • Destination: worldwide cover typically adds 40–60% over Europe, and the USA and Canada can double or treble it because of high healthcare costs.
  • Pre-existing conditions: you must declare them; specialists can cover 1,300+ conditions, and a well-managed condition is often cheaper to insure than you expect.
  • Medical and repatriation limits: look for at least £5 million emergency medical cover and clear repatriation terms — a GHIC or EHIC card is not a substitute.
  • Excess and add-ons: a higher voluntary excess lowers the premium; cruise, gadget and enhanced cancellation modules raise it.

Who needs it most? Anyone travelling with a health condition, taking a long-haul or cruise holiday, or carrying non-refundable bookings. For a full breakdown of what shapes premiums at every age, read our pillar guide on travel insurance costs in the UK for 2026.

Common questions

Over-65s travel insurance FAQs

Yes. Premiums rise with age because claims become more likely and more costly. Travellers in their late 60s often pay close to double the premium of someone in their 30s, and prices step up again at 70 and 75. Shopping around and using specialist insurers helps keep the cost down.
Always. You must disclose any pre-existing medical conditions when you buy; failing to do so can invalidate the policy and leave a claim unpaid. Specialist providers can cover more than 1,300 conditions, and a well-controlled condition is often cheaper to insure than people assume.
No. A GHIC or EHIC card gives access to state healthcare in the EU and some other countries, but it does not cover all medical costs and it will not pay for emergency repatriation back to the UK. Travel insurance remains essential, and the two work best alongside each other.
Many mainstream insurers cap annual policies at around 65 or 70, but specialist and senior-focused providers offer single-trip and annual cover with no upper age limit. If a mainstream quote is declined on age, a specialist insurer is usually the answer.
A single-trip policy is cheaper for one holiday. If you take two or more trips a year, an annual multi-trip policy usually works out better value. For over-65s the maths is closer than for younger travellers, so it is worth comparing both before you buy.
Look for at least £5 million of emergency medical cover, with repatriation included. The average travel medical claim runs to around £1,500, but serious cases involving hospital treatment and flying a patient home can cost tens of thousands, so a generous limit matters more than shaving a few pounds off the premium.
US and Canadian healthcare charges are extremely high, so insurers price the medical risk accordingly. USA and Canada cover can cost double or treble a comparable European policy. If your trip does not include North America, choosing worldwide cover that excludes the USA can save a meaningful amount.
Compare specialist senior insurers, choose the narrowest destination band you need, accept a higher voluntary excess, and drop add-ons you will not use. Buying cover as soon as you book protects your deposits, and reviewing the policy each year keeps the price in check without losing important medical cover.
Our sources

Where these figures come from

  • Association of British Insurers (ABI) — travel insurance claims and age data, including average claim values by age band.
  • Which? — travel insurance for over-65s buying guidance and provider analysis (2026).
  • MoneyHelper — travel insurance for over-65s and medical conditions guidance.
  • Defaqto and NimbleFins — policy feature comparisons and indicative premium ranges.
  • Published UK insurer and comparison-site price ranges for senior travellers, 2026.

Figures are indicative ranges compiled for orientation and were current at the last update. Always obtain a personal quote for your circumstances.

Editorial

Reviewed by the MyInsuranceExpert editorial team

This guide was researched and reviewed by the MyInsuranceExpert editorial team. Methodology: we aggregate published 2026 premium ranges from UK insurers and comparison services and cross-check them against industry data from the ABI, Which? and MoneyHelper. Premium figures are indicative ranges for a healthy traveller aged 65–70 and are not quotes; your own price will vary with age, health, destination and trip length.

Information only — not financial advice. MyInsuranceExpert is not an FCA-authorised intermediary and does not arrange or sell policies. Last updated: 2026-07-14

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