Seniors Travel Insurance
- Up to £10 million - Emergency Medical Expenses Cover
- Up to £10,000 – Cancellation Cover Per Person
- Up to £1,500 – Mobility & Disability Equipment Cover
- Up to £500 – Replacement Prescribed Medication Cover
- 1000s of Medical Conditions Covered
5 Options available including:
Winter Sports Cover Option, Cruise Cover Option, Gadget Travel Insurance, Carer 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
Peace of Mind with 1000’s of Medical Conditions Covered
Whether you’re planning a short break or a once-in-a-lifetime trip further afield, your holiday should be enjoyable and stress-free. As we get older — particularly if we have pre-existing medical conditions — arranging travel insurance can sometimes feel more complicated.
At Able2Travel, we specialise in travel insurance for seniors with pre-existing medical conditions, including cover for high blood pressure, diabetes, arthritis and asthma.
You’ll be covered if you need to cancel your holiday because of medical reasons, or if you need emergency medical treatment while you’re away. In addition, Able2Travel Seniors Travel Insurance also covers against other unforeseen travel problems, such as delayed flights or travel disruptions.
Travel with confidence, knowing you’re protected should the unexpected happen with Able2Travel.
Click here to get a seniors travel insurance with medical conditions quote.
What Does Seniors Travel Insurance Cover?
Our travel insurance for seniors is designed to protect you against common travel mishaps before and during your trip, such as:
- Emergency Medical Treatment - Covers emergency medical care costs abroad, including hospital stays relating to your declared conditions or other medical emergencies that may arise on your trip
- Trip Cancellation - Covers non-refundable travel and accommodation costs if you need to cancel your trip for an insured reason
- Mobility & Disability Equipment - Protection for essential mobility equipment, such as wheelchairs, if it’s lost or damaged on your trip
- Replacement Prescribed Medication - Cover for the cost of replacing essential medication if it's lost by your carrier (e.g. airline).
- Emergency Transport - Covers the costs of bringing you back to the UK if it becomes medically necessary
- GP On Demand
Which Travel Insurance for Seniors Is Right for You?
Finding the best travel insurance for seniors that takes both your age and health into account can feel overwhelming. However, it doesn’t need to be complicated.
Able2Travel offers three levels of cover, allowing you to compare travel insurance for seniors with pre-existing conditions and choose the option that best suits your travel needs and budget.
| Policy Highlights (per person) | Silver (£) | Gold (£) | Platinum (£) |
| Emergency Medical Cover including emergency repatriation | 1 million | 5 million | 10 million |
| Trip Cancellation | 2,500 | 5,000 | 10,000 |
| Personal Baggage | 1,500 | 2,500 | 3,500 |
| Mobility & Disability Equipment | 750 | 1,000 | 1,500 |
| Replacement Prescribed Medication | 150 | 300 | 500 |
| Independent Travel for Family Members | Yes | Yes | Yes |
The table above highlights some of the benefits included with travel insurance for senior citizens. To view full senior travel insurance comparison table, please refer to the policy wording.
Click here to get a seniors travel insurance with medical conditions quote.
What Medical Conditions are Covered can Able2Travel Cover?
Every traveller is different, and medical conditions vary from person to person. At Able2Travel, we provide cover for thousands of pre-existing medical conditions, from common health issues to more complex or long-term illnesses.
Examples of conditions our travel insurance for seniors with medical conditions can cover include:
- Heart & Circulatory conditions: e.g. High Blood Pressure, High Cholesterol
- Chronic illnesses: e.g. Asthma, COPD, Diabetes, Kidney Conditions
- Bone & Joint Issues: Osteoarthritis, Rheumatoid Arthritis, Osteopenia, Back/Neck Problems
- Neurological & Autoimmune: e.g. Stroke, Multiple Sclerosis (MS), Underactive Thyroid
- Mental Health Conditions: e.g. Anxiety, Depression
- Digestive Conditions: e.g. Irritable Bowel Syndrome (IBS), Crohn’s Disease
When getting a quote, it’s important to declare all existing or ongoing medical conditions. This helps ensure we can offer that helps meet your needs and provide ongoing protection throughout the life of the policy.
Why Choose Able2Travel Travel Insurance?
With over 20 years’ experience, Able2Travel helps seniors travel with confidence. Our senior travel insurance for pre-existing conditions has supported travellers across all age groups, including over 50s, over 60s, over 70s and over 80s.
See why so many travellers trust us. Read Able2Travel reviews and hear about their experiences with our cover and support.
Tailor Your Seniors Travel Insurance
You can add extras to your senior holiday insurance to suit your holiday plans.
- Cruise Cover – Ideal for travellers enjoying ocean cruises
- Winter Sports Cover – Includes up to 21 days of skiing or snowboarding
- Sports Cover – Extend cover to include a wide range of activities, such as scuba diving and Cycling
Get Peace of Mind. Ready to Travel
Don’t leave your holiday plans to chance. With Able2Travel’s travel insurance for seniors with medical conditions, you can travel with confidence and enjoy your trip without unnecessary worry.
Focus on exploring and making the memories— whatever your age.
Seniors Travel Insurance Policy Options
Winter Sports Cover Option
Travel insurance with winter sports cover for extra protection against missed activities, loss / damage to equipment, and other unexpected winter sports events.
Cruise Cover Option
Travel insurance including cruise cover for extra protection against cabin confinement, missed port of call, and many other unexpected cruise-related events.
Carer Cover Option
Travel insurance for carers who need extra peace of mind when travelling for unexpected circumstances that may arise.
Gadget Travel Insurance
Gadget Travel Insurance for extra peace of mind when travelling for unexpected circumstances that may arise.
Sports Travel Insurance
Covers over 100 sports and activities, from hiking and cycling to scuba diving and ziplining, perfect for active holidays and adventure getaway.
Frequently Asked Question About Seniors Travel Insurance
1. Which Types of Holiday Insurance for Seniors Should You Choose?
Able2Travel offers two types of holiday insurance for seniors, depending on how often you travel:
- Single Trip Cover: Covers one holiday from start to finish
- Annual Multi-Trip Cover: Suitable for more than one trip within 12 months
While single trip cover may cost less, an annual policy can save time. Once your medical conditions are declared, you usually won’t need to repeat screening unless your health changes. Cover then applies to every trip within the policy period.
2. How Much Does Travel Insurance Cost for Seniors?
The cost of your senior travel insurance for pre-existing conditions depends on several factors, including:
- Your age and the age of any travellers on the policy
- The level of cover selected and any optional extras
- Your destination area
- Trip duration
- Any declared medical conditions
3. Is There an Age Limit on Able2Travel Seniors Citizen Travel Insurance?
There is no maximum age limit for purchasing a Single Trip policy on any of our three levels of cover, however, over the age of 70, your maximum trip length is 31 days*.
Our Winter Sports policy has a maximum age limit of 74 years old.
*Policy holders aged 70 – 74 years may travel for 45 days on a Platinum level policy.
4. Is there a Maximum Trip Duration for Senior Citizens?
The maximum length of cover available on a single trip policy depends on your age:
- Up to 62 days if you are aged 69 years or younger for all areas
- Up to 31 days if you are aged 70+ years for all areas*
- *aged 70-74, 45 days on the Platinum level of cover
Annual Trip Travel Insurance is available for those aged 79 and below:
| Maximum period per trip if aged: | Silver | Gold | Platinum |
| Under 70 for all areas | 21 days | 31 days | 45 days |
| 70 - 74 for all areas | 21 days | 31 days | 31 days |
| 75 - 79 for all areas | 21 days | 21 days | 21 days |
5. What Destinations are Covered Under Able2Travel Seniors Holiday Insurance?
At Able2Travel, we offer holiday insurance to Europe and beyond. From staycations in the UK to city breaks in Europe and long-haul worldwide trips. Our cover is divided into the following areas:
- Area 1: The United Kingdom including Northern Ireland.
- Area 2: Western Europe, the Channel Islands, the Isle of Man, Madeira, and Iceland (including Area 1).
- Area 3: Worldwide excluding North America.
- Area 4: Worldwide including North America.
Please note there is no cover for you travelling to an area that FCDO have advised against ‘All Travel’ or ‘All but Essential Travel’.
We are also unable to provide cover to some countries due to the existence of international sanctions – please see our homepage for an up-to-date list.
7. How to Get a Quote for Seniors Citizen Travel Insurance?
Getting a senior citizen travel insurance quote with Able2Travel is straightforward:
- Tell us about your trip – choose your destination, when you’d like cover to begin, and who will be travelling
- Complete the medical screening about any health issues you have had – this can be done online or over the phone
- Get your personalised quote
- Compare travel insurance for seniors across three levels of cover and choose the option that suits you best
- Add optional extras to tailor the policy to your needs, such as cruise cover or winter sports cover
8. Why Should I Get Seniors Holiday Insurance If I Have a GHIC?
The GHIC (Global Health Insurance Card) provides access to state healthcare in the EU. However, it doesn’t replace travel insurance for seniors with pre-existing conditions, as it doesn’t cover:
- Private medical treatment, if this is the most appropriate place for you to be treated
- Trip cancellations, travel delays, or lost/damaged luggage
- Emergency medical transport back to the UK (known as repatriation)
With senior holiday insurance, you also get cover for unexpected incidents like trip cancellations, travel delays, or lost/damaged baggage while you’re away.
9. What Happens If My Medical Condition Changes After I’ve Bought a Policy?
If your health changes after you have bought your travel insurance, please let us know promptly to ensure you remain fully covered. You need to tell us if you have any change where you had to:
- See a specialist or consultant
- Go to hospital for treatment, tests, or surgery
- Wait for treatment or test results
- Change your regular medication
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.