Top 7 Travel Insurance Providers for UK Seniors in 2022

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The COVID-19 pandemic has made travel insurance more essential than ever, especially if you’re getting older. Choosing the best travel insurance for seniors in the UK is key to having a pleasantly worry-free trip, so make sure you choose one that meets your specific needs and covers any mishaps. Stick around for more!

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1. Goodtogoinsurance.com

Goodtogoinsurance.com provides travel insurance for senior citizens living in the UK, even for people with serious medical conditions. No one is excluded by Goodtogo policies and there are no age limits, meaning people of all ages can embark on safe travels. Full Review

  • No age limit on policies
  • Covers almost all pre-existing conditions
  • Virtual doctor available
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Goodtogoinsurance.com provides travel insurance for senior citizens living in the UK, even for people with serious medical conditions. No one is excluded by Goodtogo policies and there are no age limits, meaning people of all ages can embark on safe travels. Full Review

Coverage Benefits

5/5

Add-ons

5/5

Cancellation Policy

4/5

Customer Satisfaction

5/5

2. Staysure

If you’re looking for a policy that fits all your needs, look no further than Staysure. Whether you’re planning a weekend getaway or a worldwide trip, you can tailor a policy to cover all your needs to safely embark on your travels. Full Review

  • Easy claims process
  • 24/7 medical helpline
  • Worldwide coverage
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If you’re looking for a policy that fits all your needs, look no further than Staysure. Whether you’re planning a weekend getaway or a worldwide trip, you can tailor a policy to cover all your needs to safely embark on your travels. Full Review

Coverage Benefits

5/5

Add-ons

5/5

Cancellation Policy

4/5

Customer Satisfaction

5/5

3. World First

Looking for an affordable insurance policy tailored to meet your needs? Look no further than World First! The competitive prices and customisation options offered make their insurance policies a must when travelling, especially because you’re covered worldwide. Full Review

  • No age limit on single-trip policies
  • Coverage for more than 75 sports
  • 14-day money-back guarantee
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Looking for an affordable insurance policy tailored to meet your needs? Look no further than World First! The competitive prices and customisation options offered make their insurance policies a must when travelling, especially because you’re covered worldwide. Full Review

Coverage Benefits

4/5

Add-ons

5/5

Cancellation Policy

4/5

Customer Satisfaction

5/5

4. AllClear

The best travel insurance for pensioners in the UK with the largest number of conditions is AllClear. Even though they may be more expensive, you can be sure that anything that may arise while you’re travelling will be covered. Full Review

  • 1300 conditions covered
  • No age restrictions
  • Numerous add-ons
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The best travel insurance for pensioners in the UK with the largest number of conditions is AllClear. Even though they may be more expensive, you can be sure that anything that may arise while you’re travelling will be covered. Full Review

Coverage Benefits

5/5

Add-ons

5/5

Cancellation Policy

5/5

Customer Satisfaction

5/5

5. Free Spirit

The no age limit and extensive coverage make Free Spirit a great choice for senior travellers, which is confirmed by British seniors insurance agency reviews. Their policies are quick and easy to obtain, so trying Free Spirit should be hassle-free. Full Review

  • No age limit
  • Online medical screening and quotes
  • Aftercare in the UK
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The no age limit and extensive coverage make Free Spirit a great choice for senior travellers, which is confirmed by British seniors insurance agency reviews. Their policies are quick and easy to obtain, so trying Free Spirit should be hassle-free. Full Review

Coverage Benefits

5/5

Add-ons

4/5

Cancellation Policy

5/5

Customer Satisfaction

5/5

6. OK to Travel

If you want extensive coverage for yourself and a travelling companion, head over to OK to Travel. The comprehensive policies offered at affordable prices make OK to Travel an attractive choice among travellers of all ages. Full Review

  • Specialises in coverage for pre-existing conditions
  • Post-surgery cover
  • Competitive rates
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If you want extensive coverage for yourself and a travelling companion, head over to OK to Travel. The comprehensive policies offered at affordable prices make OK to Travel an attractive choice among travellers of all ages. Full Review

Coverage Benefits

5/5

Add-ons

5/5

Cancellation Policy

4/5

Customer Satisfaction

5/5

7. Globelink

Globelink International offers worldwide coverage and comprehensive policies, making it a great insurance provider. Whether you’re a frequent traveller or crossing off your bucket list, a Globelink policy can make your travels worry-free. Full Review

  • Comprehensive policies
  • Worldwide coverage
  • Free COVID coverage
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Globelink International offers worldwide coverage and comprehensive policies, making it a great insurance provider. Whether you’re a frequent traveller or crossing off your bucket list, a Globelink policy can make your travels worry-free. Full Review

Coverage Benefits

4/5

Add-ons

5/5

Cancellation Policy

4/5

Customer Satisfaction

5/5

Our Methodology

You can rely on our tried-out methodology when choosing travel insurance. Here are the most important parts of an insurance plan

  • Coverage benefits – What is covered in the plan, like medical coverage and baggage loss.
  • Add-on features – Whether or not you can add coverage for specific situations to your plan.
  • Regulation – All the best insurance providers are regulated by law in the UK.
  • Customer ratings and reviews – A satisfied customer is always the best indicator of a plan’s quality.
  • Cancellation policy – Whether or not you can cancel the British seniors insurance before you embark on your trip.
  • COVID coverage – Most importantly, whether or not the policy provides coverage for COVID treatment or testing. 

Top Travel Insurance Solutions for UK Seniors

Goodtogoinsurance.com
Goodtogoinsurance.com
Goodtogoinsurance.com

Best for people with serious conditions

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  • No age limit on policies
  • Covers almost all pre-existing conditions
  • Virtual doctor available
  • Slow at processing claims

Goodtogoinsurance.com is a travel insurance provider that specialises in covering a plethora of serious medical conditions, including pre-existing conditions. Customers of all ages are welcome at Goodtogo, making it the best travel insurance for over 60s with pre-existing medical conditions in the UK

Coverage Benefits

Goodtogoinsurance policies aim to provide coverage for everything like coverage for all pre-existing conditions, including terminal diagnoses. All policies cover COVID-19 treatments and repatriation, and users have access to a 24/7 virtual doctor.

Add-Ons

There are very desirable add-ons available through Goodtogoinsurance.com. People going on a cruise can get coverage for cabin confinement, hospital airlift, or unused excursions; you can even choose a winter sports add-on

Coverage Duration

Over 60 travel insurance in the UK may be hard to come by or is shorter in length. Luckily, Goodtogoinsuraance.com provides excellent coverage for senior travellers! Single-trip insurance covers up to 94 days, while annual insurance covers an unlimited number of trips, with each trip lasting under 31 days.

Cancellation Policy

You can cancel your trip for any reason, like an illness, death, witness summons, etc. Provide the necessary documentation and you’ll get reimbursement for any money you’ve spent.

Plans and Pricing

Goodtogoinsurance.com offers three levels of seniors travel insurance in the UK: Silver, Gold, and Platinum. The Silver plan provides the least coverage, while Platinum gives the most. The price depends on where you’re travelling and the duration of your trip

Customer Satisfaction

This insurance provider has excellent customer reviews with a 4.6 on Trustpilot, indicating that the majority of users are satisfied with the services provided. 

Competition Overview

Goodtogoinsurance.com covers the widest range of conditions, but it could speed up processing claims.

Staysure
Staysure
Staysure

Best for those that want to customise their policy

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  • Easy claims process
  • 24/7 medical helpline
  • Worldwide coverage
  • No age limit
  • Claims service is not available 24/7
  • No cancel for any reason option

Staysure has been operating since 2004; its main purpose is to provide affordable travel insurance for the elderly in the UK, covering a vast number of pre-existing conditions. All policies are adjustable to fit your specific needs and ensure that all conditions are covered. Buying a policy is straightforward: you can do so over the phone or online

Coverage Benefits

Staysure policies offer coverage for a wide variety of medical issues including heart conditions, cancer, and diabetes. All medical expenses are covered in single-trip plans regardless of age, and any holiday mishaps are reimbursed once you’re back home. 

Add-Ons

With the Staysure travel insurance for people over 60 in the UK, you get plenty of customisation options. You can choose add-ons for winter sports, gadget cover, connecting flights coverage, even get coverage for golf equipment!

Coverage Duration

At Staysure, you’re given the choice between a single trip and an annual plan. If you’re a frequent traveller, the annual plan is a great choice – you’re covered for 12 months and up to 183 days of travelling. However, there are limits: you can’t travel for more than 50 days at a time, or 35 days if you’re over 71

Cancellation Policy

If you want to cancel your travel insurance for older people in the UK with Staysure, you can get a reimbursement as a voucher or cash refund within 14 days of purchase. After the period expires, you can’t cancel, although you can move your trip due to COVID

Plans and Pricing

Staysure offers two levels of coverage, Basic and Comprehensive. Prices vary depending on the travellers’ age, health issues, and destination. The lowest price for a Basic single-trip coverage is £7.99, while annual coverage is £29.99. Comprehensive coverage for a single trip costs £9.98, while annually is at least £39.99

Customer Satisfaction

Staysure UK senior travel insurance has a Trustpilot rating of 4.7, with users saying they are satisfied with the service and would use it again.

Competition Overview

Staysure provides worldwide coverage for people of all ages with any condition, but they don’t offer a substantial cancellation policy.

World First
World First
World First

Best for people looking for affordable policies

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  • No age limit on single-trip policies
  • Coverage for more than 75 sports
  • 14-day money-back guarantee
  • Competitive prices
  • Not all conditions are covered
  • Poor dental coverage

World First launched in 1973 and strives to provide over 60 holiday insurance plans to UK citizens. World First provides low-cost coverage to people from all walks of life for any type of holiday.

Coverage Benefits

World First may cover some pre-existing conditions if they are declared in advance, but you need to fill out a questionnaire and submit relevant medical records. Coverage against natural disasters is included in the Standard policy. 

Add-Ons

You can choose optional add-ons for your World First policy, like emergency medical expenses up to £10 million or coverage for technology and sporting equipment

Coverage Duration

When buying travel insurance for a senior citizen in the UK keep in mind that a single-trip policy duration at World First is 186 days for people up to 65. For those 66 and older, the policy duration reduces to 60 days. With the annual multi-trip policy, the duration is restricted to 31 days per trip, while the Backpacker policy lasts for 365 days

Cancellation Policy

Anyone can cancel their World First policy within 14 days of purchasing with a money-back guarantee. Cancellations due to the Coronavirus have also been accepted with any World First over 60 holiday insurance for UK citizens. 

Plans and Pricing

There are three World First policies: Silver, Gold, and Platinum. Each policy can be tailored to the individuals’ needs and budget, so prices vary significantly. For example, a single-trip policy can cost £13, while making a claim costs £50!

Customer Satisfaction

Their Trustpilot rating of 4.7 points to a large number of satisfied customers, praising the insurance provider for the affordable policies offered. 

Competition Overview

World First offers insurance policies at very competitive prices, but not all medical conditions are covered and there are almost no dental benefits.

AllClear
AllClear
AllClear

Best for people that need extensive coverage

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  • 1300 conditions covered
  • No age restrictions
  • Numerous add-ons
  • 24/7 assistance
  • More expensive than competitors
  • Lengthy quote procedure

AllClear is a specialist insurer providing people over 60 with travel insurance with medical conditions in the UK. Coverage is provided for 1300 medical conditions, so people that can’t find coverage somewhere else will certainly find it at AllClear. 

Coverage Benefits

Besides covering all medical conditions and any medical evacuation, the Gold and Gold Plus policies cover end supplier failure. This means that you’ll be reimbursed for any cancellations that happen before your trip, including accommodation and travel delays

Add-Ons

There are numerous add-ons offered at AllClear, such as winter sports coverage, golf cover, the travelling companion cover, and extended stay

Coverage Duration

When choosing travel insurance for the elderly with medical conditions in the UK, AllClear single-trip policies cover up to 92 days per trip, except for people over 75 – for them, coverage is just 24 days. The annual multi-trip policy in the Gold and Gold Plus plans cover up to 45 days of travelling

Cancellation Policy

AllClear offers cancellation and curtailment coverage up to £5,000; even non-refundable deposits are covered as long as funds fit the allotted sum. You can also get a full refund if you cancel within 14 days of purchase.

Plans and Pricing

Travel insurance for pensioners in the UK at AllClear is offered as three different plans: Traveller, Gold, and Gold Plus. The price depends on where you’re travelling and your overall health, but the Gold Plus insurance plan is the most extensive and expensive

Customer Satisfaction

The Trustpilot rating at AllClear is 4.8, with 97% of customers rating the service as excellent. In addition, the company has offered suitable policies for 99% of their travellers

Competition Overview

AllClear covers the largest number of medical conditions, but it is slightly more expensive than its competitors.

Free Spirit
Free Spirit
Free Spirit

Best for disabled people

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  • No age limit
  • Online medical screening and quotes
  • Aftercare in the UK
  • Fluctuating prices

With Free Spirit travel insurance for over 60 in the UK, you are covered for most pre-existing conditions and disabilities. Underlying health issues and terminal conditions can also be covered by Free Spirit policies, and policy users have access to a 24/7 medical helpline

Coverage Benefits

A Free Spirit insurance policy covers medical expenses regardless of age, pre-existing condition, or disability, as well as getting injured during your trip. Travelling companions are covered as well, and the Aftercare at Home feature covers expenses at home following hospitalisations abroad. 

Add-Ons

The Free Spirit travel insurance for the elderly with medical conditions in the UK allows you to buy additional coverage for winter sports; more than 100 other activities are covered in their plans. 

Coverage Duration

The maximum duration of a single-trip policy at Free Spirit is 94 days, or 45 days if you’re over 76. The annual plan provides 12-month coverage as long as the duration of a single trip is not longer than 32 days (Super Plan) or 45 days (Super Duper Plan). 

Cancellation Policy

Like other insurance providers, Free Spirit will give you a full refund within 14 days of purchase. If you don’t end up going on your trip, Free Spirit will give a partial refund depending on the circumstances

Plans and Pricing

When it comes to senior citizens travel insurance in the UK, Free Spirit offers two levels of coverageSuper and Super Duper. The Super Duper Plan is more expensive, but for an exact price, you’ll need to get an online quote which will vary depending on your age and destination

Customer Satisfaction

Free Spirit has a 4.7 Trustpilot rating, with customer reviews saying that provided services were satisfactory and up to the task.

Competition Overview

The Free Spirit policies are renowned for the ‘Aftercare’ feature, but the policy prices are constantly fluctuating.

OK to Travel
OK to Travel
OK to Travel

Best for people with mental health conditions

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  • Specialises in coverage for pre-existing conditions
  • Post-surgery cover
  • Competitive rates
  • No cover for war and terrorism damage

OK to Travel offers travel insurance for an older person in the UK at a reasonable price while providing extensive coverage for many medical conditions, such as cancer. With Premium policies, customers also receive cover for scheduled airline failure, so choosing their Premium policy could be a good idea. 

Coverage Benefits

OK to Travel insurance plans provide coverage for people suffering from cancer, cardiovascular issues, diabetes, epilepsy, leukemia, and mental health conditions. Travelling companions may also be covered under the same policy regardless of whether they have any medical conditions. 

Add-Ons

At OK to Travel, you can get numerous optional extras in addition to regular travel insurance for elderly UK citizens. Add ons include winter sports, golf coverage, and protection against hazardous activities.

Coverage Duration

Single-trip policies have a maximum duration of 184 days, or 92 days if you’re 75 or older. The annual policy allows unlimited trips as long as one trip isn’t longer than 31 days

Cancellation Policy

At OK to Travel, you have a 14-day cooling-off period: cancel your policy and get a full refund. Most policies also cover cancellations due to COVID

Plans and Pricing

At OK to Travel you can choose three levels of coverage: Standard, Premium, and Premium Plus. If you’re after cheap travel insurance for over 60 in the UK, the Standard policy should be right up your alley; for more comprehensive coverage aim for Premier Plus

Customer Satisfaction

With a 4.5 Trustpilot rating, OK to Travel has many satisfied customers. Reviews confirm that people are happy with the offered services

Competition Overview

OK to Travel offers good extras to enrich policies, but it lacks coverage for damage due to war or terrorist attacks.

UK-Based Travel Insurance for Seniors – Buyer’s Guide

People want peace of mind while they’re travelling, and a good insurance plan can ensure this. With so many available, how do you choose the best one?

To help, we’ve compiled a list of tips so you can find the best travel insurance for you and any travelling companions.

How to Choose the Best Travel Insurance for the Elderly

Before purchasing a plan, your chosen travel policy should meet the following criteria. 

Secure Coverage for Planned Activities

If you have specific activities planned throughout your trip, make sure that the policy you’ve chosen covers those activities, even if the travel insurance cost is higher. 

Ensure That All Destinations Are Covered

It can be easy to overlook certain destinations if you’re going to more than one place. It’s of utmost importance that your policy covers all the destinations on your agenda so your wellbeing is protected wherever you are. 

Keep Policy Excesses in Mind 

When buying old age travel insurance in the UK, remember that each policy charges for filing a claim. As a general rule, cheaper policies charge higher claims, which means you may end up losing money. Before you put down money on a non-refundable policy, check to see how much the provider charges for filing a claim.

Check the Available Assistance

Senior citizens often require assistance when travelling and need more general check-ups, so having access to 24/7 support can be a big plus for insurance providers. 

Why Is Travel Insurance a Must for Seniors?

Senior travel, like senior dating, is becoming increasingly popular; acquiring UK pensioner travel insurance is important if you want to engage in safe, worry-free journeys. Policies aimed at senior travellers provide coverage for several medical conditions, so in case of an emergency, you will be provided care without paying a lot of money. Medical expenses accrued abroad can be detrimental to your finances, especially if you had to be repatriated to your home country. If you want to avoid hefty medical bills, go for a prepaid insurance policy.

Tips for Travelling as a Senior

Once you’ve picked the best travel insurance for the elderly with medical conditions in the UK, here are some tips to keep in mind when travelling.

Keep Medication Handy

You never know when a trip may be delayed or prolonged, so having enough medication with you is essential. If the trip is longer than expected, you won’t have to worry about your medication if you bring enough.

Arrive Early at the Airport 

Make sure that you arrive at the airport with time to spare, as you don’t want to run around trying to find the right terminal or gate. That being said, don’t walk too fast and tire yourself out before your trip begins. 

Choose Aisle Seats When Possible

Besides buying British seniors insurance, ensure that you book an aisle seat whenever possible. These seats offer more legroom and standing up is easier. It’s also quicker to attract the attention of a flight attendant if you need help. 

Don’t Hesitate to Ask for Help

Always ask for help, especially with your luggage. Lifting heavy suitcases or getting them from the fast carousel can be dangerous, so find a porter that can help you with your bags until you get to your transportation. 

Avoid Alcohol and Drink Plenty of Water

Travelling, particularly flying, can make you dehydrated. Besides acquiring UK senior travel insurance, remember to drink lots of water and avoid alcoholic drinks that can make dehydration worse. 

Don’t Stand Still

During your trip, don’t forget to stand up and stretch! Movement is the key to wellness as you get older, so don’t disregard it when on the road. Even if you have your seatbelt on, stretch your legs and roll your feet – any movement is better than none.

Elderly Travel Insurance at a Glance

Insurance Company Coverage Benefits COVID Coverage [Yes/no] Pricing & Fees Best For Our Rating (1-5)
Goodtogoinsurance.com All pre-existing conditions covered; Virtual doctor Yes Variable People with serious conditions 4.8
Staysure All serious conditions covered; Holiday mishaps Yes £7.99 – £39.99 Those that want to customise their policy 4.8
World-First Medical conditions covered; Natural disasters Yes Upwards of £13 People looking for affordable policies 4.5
AllClear 1300 conditions covered; End supplier failure Yes Variable People that need extensive coverage 5
Free Spirit Disabilities covered; Aftercare at home Yes Variable Disabled people 4.8
OK to Travel Medical conditions; Scheduled airline failure Yes Variable People with mental health conditions 4.8
Globelink Over 100 activities covered; cruise cover Yes £25.67 – £110.66 Active travellers 4.5

Wrap Up

Travelling has always come with a set of risks, but it’s significantly riskier during the COVID-19 pandemic. Travel insurance is more important than ever for UK citizens, with travel insurance for over 60s with pre-existing medical conditions in the UK being especially important. Before embarking on the trip of your dreams, make sure that your insurance plan covers all your travelling needs. Bon voyage!

FAQ

What is the maximum age that travel insurance is available for?

The maximum age for travel insurance is determined by the provider, but many companies don’t set an age limit so people of all ages can be insured. Check with each company. 

Does travel insurance increase after age 70?

Generally, yes. Since older travellers are at a higher risk for health problems, the cost of insurance policies rises in proportion. However, there are still very affordable policies for people over 70 out there.

At what age does travel insurance become expensive?

When buying insurance, keep in mind that travel insurance for seniors in the UK is more expensive than for younger people. There’s a significant price rise in policies aimed at people 60 to 80, but some may still fit your budget.