Policy Summary:
4 Options available including:
Winter Sports Cover Option, Gadget Cover Option, Sports Travel Insurance, Cruise Cover Option...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Seniors Travel Insurance
Able2Travel Senior Travel Insurance
Now you’ve retired, why not take this opportunity to sit back, relax and travel the world at your leisure? However, you may have found it has become increasingly difficult to find suitable travel insurance as a senior or pensioner.
Claims data shows that an increase in age, comes with an increase in risks of accidents or falling ill abroad. Leading to an increased risk of making a claim, hence why some insurers are not keen to provide senior travel insurance. However, at Able2Travel, we believe no matter what age, everyone should have the opportunity to travel.
Able2Travel can provide a quality and affordable Single Trip travel insurance solution. Our Senior Travel Insurance is also available as an Annual Multi-Trip for senior citizens and pensioners who love to travel multiple times in a year (Aged up to and including 79).
Why Choose Able2Travel Senior Travel Insurance?
Able2Travel Travel Insurance has over 15 years of experience in finding travel insurance for seniors and pensioners travellers. Including travellers with medical conditions, for example, high blood pressure, heart conditions, and many more. You can be assured of receiving a fast, sensitive, and competitively priced travel insurance solution that does not get in the way of your travel plans.
Our travel insurance for pensioners and senior citizens can cover up to £10 million in unexpected Emergency Medical Cover. Our Able2Travel policy also offers protection up to £5,000 should your trip get cancelled and/or interrupted. Furthermore, if your baggage gets lost, damaged or stolen during your holiday, our senior travel insurance can cover up to £3,000.
So, you can be assured of receiving a fast, sensitive, and competitively priced travel insurance solution that does not get in the way of your travel plans.
Going on a Cruise?
If you are going on a cruise, you will need to add our Optional Cruise Cover to your senior travel insurance policy. To ensure you have specific cruise related cover for your cruise trip at an additional premium. There are many other options that you can select to design a policy to meet your individual needs.
Looking for something more specific?
For more information about our Able2Travel Senior Travel insurance policy for specific age groups, click the relevant links down below.
- Over 50s and Over 55s travel insurance
- Over 60s and Over 65s travel insurance
- Over 70s and Over 75s travel insurance
- Over 80s and Over 85s travel insurance
There is No Age Limit on Single Trips for areas 1-3 and up to 79 years of age for area 4. Please refer to the policy wording for more information on territorial limit areas 1-4. And for an annual multi-trip basis, Able2Travel Travel Insurance provides coverage for seniors and pensioners up to the age of 79.
What Medical Conditions Has Able2Travel Travel Insurance Covered in the Past?
Able2Travel Travel Insurance has not only previously provided travel insurance for seniors and pensioners travellers, we have also provided solutions for travellers with a wide number of both common and more serious medical conditions. These include:
And many more.
What does our Able2Travel Senior Travel Insurance Cover?
Our pensioners and seniors travel insurance policies offer competitive protection for your trip, including a wide range of policy benefits such as:
- Trip Cancellation - up to £5,000
- Emergency Medical Cover – up to £10 million
- Baggage - up to £3,000
- Travel Delay - up to £350
- Travel Accident - up to £20,000
Other Areas of Cover Included as Standard
- Cover for 1,000s of Medical Conditions
- Cruise Cover
- Loss of Travel Documents - up to £500
- Plus so much more...
Additional Cover Available
- Optional Sports Cover
- Additional Cover for your cruise - including missed port cover
- Optional Gadget Cover
Click here to see the full Able2Travel Travel Insurance Table of Benefits.
Senior Travel Insurance - Policy Features
Able2Travel Senior Travel Insurance offers 3 levels of travel insurance cover for both Single Trip and Annual Multi-Trip Travel Insurance policies, enabling you to pick a policy that is suited for your individual needs.
Depending on the level of cover you choose, there are different features on Single and Annual Multi-Trip Travel Insurance policies. So, the policy features table below will help you understand the different features between the Single Trip and Annual Multi-trip policies.
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Policy Features |
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Single Trip Policy Features |
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Silver |
Gold |
Platinum |
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| Maximum age at date of departure (travel to areas 1, 2 & 3) | No Limit | No Limit | No Limit |
| Maximum age at date of departure (travel to area 4) | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 365 days | 365 days | 365 days |
| Maximum period per Trip if aged 66 to 79 years | 45 days | 45 days | 45 days |
| Maximum period per Trip if aged 80 to 85 years in all areas excluding area 4 | 31 days | 31 days | 31 days |
| Maximum period per Trip if aged 86 years and over in all areas excluding area 4 | 23 days | 23 days | 23 days |
| Maximum period per Trip if aged 80 years and over in area 4 | No Cover | No Cover | No Cover |
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Annual Multi-Trip Policy Features |
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| Maximum age at start date of the period of cover shown on Your certificate | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 31 days | 31 days* | 31 days* |
| Maximum period per Trip if aged 66 to 75 years | 31 days | 31 days** | 31 days** |
| Maximum period per Trip if aged 76 to 79 years | 31 days | 31 days | 31 days |
| Business travel included | Yes | Yes | Yes |
| Trips within your country of residence (refer to definition of trip for further information) | Included | Included | Included |
| Family members can travel separately if named on Your certificate | No | No | Yes |
| Wintersports (Activity pack 5) upon payment of an additional premium and shown on Your Policy Certificate - up to total maximum of | 21 Days | 21 Days | 21 Days |
*Available to extend to 45 days or 60 days for an additional premium.
**Available to extend to 45 days for an additional premium.
How do I get a Senior Travel Insurance Quote?
It’s quick and easy to get an Able2Travel Senior Travel Insurance quote: just click the ‘Get a Quote’ button to get a quote online, or if you prefer to speak with someone then you can call our Seniors Travel Insurance team direct on 01483 806 826.
All travel insurance enquiries for senior citizens and pensioners are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our travel insurance specialists have access to a wide range of travel insurance options and will assist you in finding you cover for all medical conditions. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the travel cover you need with one call to Able2Travel Travel Insurance.
For a Senior Travel Insurance quote, please call 01483 806 826 or click the button below!
What is Travel Insurance for Medical Conditions and What Does it Cover?
While going on holiday or travelling abroad should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen, for example, having to cancel your travel plans if you tested positive for Coronavirus (COVID-19), losing your personal baggage when overseas, or having to pay medical expenses for emergency medical treatment during your holiday.
But, if you have pre-existing medical conditions, it is sometimes difficult to find a Travel Insurance with the appropriate level of coverage for your medical conditions too, and without a suitable policy, it could leave you having to pay medical expenses for any emergency medical treatment you may need for your condition during your holiday.
Able2Travel Travel Insurance is specialist medical Travel Insurance designed to give people with or without pre-existing medical conditions financial peace of mind, so you are covered should something unexpected happen and not left out of pocket, in the event of a valid claim.
Benefits of Travel Insurance for Medical Conditions
The following is a summary of the benefits of Travel Insurance for Medical Conditions. There are just some of the areas of cover included as standard across all levels of cover on our Able2Travel Travel Insurance policy. Please read the policy wording here for the full cover available under the policy.
Trip Cancellation
If your trip is cancelled or rescheduled for a covered reason, we will reimburse you for your non-refundable trip payments, deposits, cancellation fees and change fees (less any available refunds), up to the maximum benefit for ‘Trip Cancellation’ shown in the ‘Cover Summary’ less the excess.
NOTE: This benefit only applies before you have left for your trip. Read More.
Covered Reasons:
- You or a travelling companion becomes ill or injured, or develops a medical condition disabling enough to make you cancel your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- A family member who is not travelling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- You, a travelling companion, family member or your service animal dies on or after the date your policy was issued.
- You or a travelling companion is quarantined before your trip due to having been exposed to a contagious disease or epidemic/pandemic.
- You or a travelling companion is in a traffic accident on the departure date.
- You are legally required to attend a legal proceeding during your trip.
- Your primary residence becomes uninhabitable.
- Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to natural disaster or severe weather.
- You or a travelling companion is involuntarily made redundant by a current employer after your trip booking date.
- You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.
- You, a travelling companion or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.
- Your or travel companion's travel documents required for the trip are stolen.
Emergency Medical/Dental Cover Abroad
Medical treatment outside of the UK can be very expensive. If you receive emergency medical or dental care while you are on your trip abroad for one of the covered reasons, we will reimburse the reasonable and customary costs of that care for which you are responsible, up to the maximum benefit for ‘Emergency medical/dental cover abroad’ shown in the ‘Cover Summary’ (dental care is subject to the maximum sublimit listed for ‘Dental Care’):
- While on your trip abroad, you have a sudden, unexpected illness, injury or medical condition that could cause serious harm if it is not treated before your return home (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- While on your trip abroad, you have a dental injury or infection, a lost filling or a broken tooth that requires immediate treatment.
If you need to be admitted to a hospital as an inpatient, we may be able to guarantee or advance payments, where accepted, up to the limit of the Emergency medical/dental cover abroad section.
Please Note: If you have pre-existing medical conditions and need cover in case you require emergency medical treatment related to them, you will need to complete a medical screening beforehand to see if cover is available and pay the appropriate additional premium.
Travel Delay
If your or a travelling companion’s trip is delayed for one of the covered reasons, we will reimburse you for the following expenses, less available refunds, up to the maximum benefit for ‘Travel Delay’ shown in the ‘Cover Summary’. Read More.
Covered Reasons:
- Your lost prepaid trip expenses and additional expenses you incur while and where you are delayed for meals, accommodation, communication and transportation.
- If the delay causes you to miss the departure of your cruise or tour, necessary transportation expenses to either help you rejoin your cruise/tour or reach your destination.
- If the delay causes you to miss the departure of your flight or train due to a local public transportation delay on your way to the departure airport or train station, necessary transportation expenses to either help you reach your destination or return home.
Travel Accident
If you have an accident during your trip that causes physical bodily injury to you, we will pay you or your personal representatives up to the amount for ‘Travel Accident’ shown in the ‘Cover Summary’ if the accident results in one of the following:
- your death within a year of the accident; or
- your permanent disability (including permanent loss of your sight or loss of use of a hand or foot) within three months of the accident.
Please refer to the policy wording for full details on this area of cover.
Please Note: Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Cover section (Section F).
Trip Interruption
If you have to interrupt your trip or end it early due to one or more of the covered reasons, we will reimburse you, less available refunds, up to the maximum benefit for ‘Trip Interruption’ shown in the ‘Cover Summary’. Read More.
Covered Reasons:
- You or a travelling companion becomes ill or injured, or develops a medical condition that is disabling enough to make you interrupt your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- A family member who is not travelling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or a pandemic disease such as COVID-19).
- You, a travelling companion, family member or your service animal dies during your trip.
- You or a travelling companion is quarantined before your trip due to having been exposed to a contagious disease or epidemic/pandemic.
- You or a travelling companion is in a traffic accident.
- You are legally required to attend a legal proceeding during your trip.
- Your primary residence becomes uninhabitable.
- Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to natural disaster or severe weather.
- You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.
- You or a travelling companion is a traveller on a hijacked aircraft, train, vehicle, or vessel.
- You, a travelling companion or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.
- You miss at least 50% of the length of your trip due to travel carrier delay, a strike or industrial action, natural disaster, roads are closed due to severe weather, lost or stolen travel documents that cannot be replaced in time, or civil disorder.
- A travel carrier denies you or a travelling companion boarding based on a suspicion that you or a travelling companion has a contagious medical condition (including an epidemic or pandemic disease such as COVID-19). This does not include being denied boarding due to your refusal or failure to comply with rules or requirements to travel or of entry to your destination.
Baggage
If your baggage is lost, damaged or stolen while you are on your trip, we will pay you, less available refunds, the lesser of the following, up to the maximum benefit for ‘Baggage’ as shown in the ‘Cover Summary’:
- Cost to repair the damaged baggage; or
- Cost to replace the lost, damaged or stolen baggage with the same or similar item, reduced by 10% for each full year since the original purchase date, up to the maximum of 50% reduction.
Please Note: The gadgets that you take on holiday may not fall under the Baggage definition in the policy wording or the valuables limit, and meaning your gadgets may not have cover when you are abroad. You may need to also purchase the gadget cover Option to cover them.
Above are a few reasons why it is a good idea to have specialist travel insurance for your medical conditions before travelling. Ensuring you have the appropriate cover should an unexpected incident happen during your holiday. Furthermore, Able2Travel Travel Insurance has a wide range of features and benefits that is also available for senior travellers too!
Please see the policy wording for full details.
Able2Travel Travel Insurance Policy Options
We've got lots of options, so here they are....
Cruise Cover Option
Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.
Winter Sports Cover Option
Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.
Gadget Cover Option
Add Gadget Cover to your Able2Travel Travel Insurance policy to cover up to £1,000 per policy for Gadgets including, mobile phones, smart watches, tablets, laptops, gaming consoles, Cameras, and much more!
Sports Travel Insurance
Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!
Important Information for Customers with Serious Medical Conditions
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.