Best Travel Insurance for Seniors in the UK 2023

Staysure is one of the most popular insurance providers in the UK that specialises in providing tailored travel insurance for the elderly.

Staysure travel insurance for seniors has two main plans: single trip and multi-trip (annual).

Its insurance packages have no upper age limit, cover people with pre-existing medical conditions, and boast a comprehensive COVID cover, which is included in all plans.

The annual plan is a great choice for frequent travellers, with up to 183 days covered in a year, making it one of the best multi-trip travel insurance providers for seniors. However, you’ll still have to keep your trips to under 50 days (or 35 days if you’re over 71).

The best part about this insurance product is that customers can customise their insurance package and choose from a wide range of optional extras such as Gadget covers, Winter sports , and even Cruise Plus coverage.

AllClear is the perfect choice for senior citizens who struggle to find travel insurance due to their pre-existing conditions.

The company offers coverage for over 1300 medical conditions, including cancer and diabetes, and reimburses customers for End Supplier Failure. (Here’s everything that AllClear covers in its policies)

The amount of cover depends on the plan you choose (Gold, Gold Plus, and Platinum) but they all include recuperation stay and COVID cover. 

AllClear also offers a wide range of optional extras such as Gadget Cover, Golf Cover, and Cruise travel insurance, as well as Winter sports cover for those under 65.

When it comes to pricing, All Clear premiums may be slightly more expensive compared to their competitors, but that’s mostly because it works with people who have serious pre-existing conditions.

Coverwise has several travel insurance policies that are underwritten by AXA, one of the leading UK travel insurers. 

It has both single and annual trip policies that stretch over 5 levels of cover (Standard, Bronze, Silver, Gold and Platinum) and cover emergency medical expenses of up to £20,000,000, lost or stolen baggage, personal money and cash, liability, and accidents. 

The company provides travel insurance for pensioners with pre-existing medical conditions, including those who are currently receiving medical treatment, but only for those that are no older than 75 (and only to people under 65 for their annual plans). 

Although they do have policies that are aimed at people with different pre-existing conditions, screening is mandatory and you’ll have to meet certain eligibility requirements to get a quote. 

On the plus side, all Coverwise policies include COVID coverage and you can add cover for winter sports for an extra cost.

Globelink is an award-winning insurance company that offers a wide range of insurance products, including travel insurance for older travellers, but only for those under the age of 89.

Their policies cover over 50 pre-existing medical conditions for free, meaning you won’t need to pay extra if you have diabetes or high blood pressure. Globelink customers also get free COVID coverage and a 20% discount on COVID testing.

What’s more, Globelink’s standard policies include coverage for more than 100 activities, cruise trips, as well as 17 days free winter sports coverage on 45+ day trips, making this insurer one of the best overseas travel insurance providers for active seniors. 

You can also pay extra to add more cover to your policy for a return home option, excess waiver, and event cancellation, among other things. 

Post Office is one of the UK’s largest financial service providers that offers a host of financial products, including pensioner travel insurance.

Their Single trip cover has no upper age limit, while the annual multi-trip cover is available for those under 75. The policies include coverage for emergency medical expenses and repatriation, cancellation, and lost baggage. Post Office also considers all medical conditions and provides COVID coverage on all policies for free.

Furthermore, you can customise your policy by adding one (or more) extras such as cruise, gadget, winter sports and golf cover, as well as cover in case of terrorism and natural catastrophes. There’s also an option to add excess waiver.

CoverForYou is an online insurance specialist that offers car hire excess and gadget insurance, as well as senior travel insurance in the UK for people up to 76.

Their policies provide coverage for most pre-existing medical conditions, as well as COVID-19 coverage. 

The single trip policy is available for people under the age of 75 covers up to 365 days, while the annual plan is limited to people under 70 and covers a maximum of 62 days per single trip.

In addition to covering more than 100 sports and activities as standard, CoverForYou offers plenty of extras, such as coverage for winter sports, golf and cruise cover.

CoverForYou even has a unique loyalty club scheme, where they offer exclusive member benefits for policy holders, such as discounts and awards.

Covering all sorts of medical conditions from asthma and epilepsy to mental health conditions and even a terminal prognosis, Goodtogoinsurance is one of the best travel insurance companies for seniors with pre-existing conditions. 

The company offers three levels of cover (Silver, Gold, and Platinum)  all of which include COVID, insolvency cover, and cruise holidays, making it the best cruise travel insurance for seniors. 

Their single trip and annual travel insurance policies have no upper age limit and come with 24 hour emergency medical support, loss of medication cover, and mobility aids cover. 

The best part about Goodtogoinsurance.com policies is that it allows customers to add their travel companion to the policy, regardless of whether they have an existing medical condition or not. This means that they will also be covered if the trip is cancelled due to a medical emergency.

World First is an award-winning insurance provider that specialises in providing low-cost travel insurance for a range of customers including elderly with medical conditions.

The company provides cover for thousands of medical conditions, including cancer, angina, and deep vein thrombosis, and was one of the first to introduce coverage for HIV patients.

One of its greatest perks is its add-ons– you can opt for emergency medical expenses cover of up to £10 million or coverage for technology and sporting equipment. 

Another reason why the company’s travel insurance policy for pensioners  is affordability– World First has one of the most competitive prices on the market. 

Finally, World First covers more than 75 sports and activities for free, so they’re also a popular choice for those who want to remain active on their vacation. 

Being one of the first companies to offer travel insurance for the elderly with medical conditions, Free Spirit is a top choice for many senior travellers. 

They specialise in providing travel medical insurance for seniors and cover most pre-existing medical conditions, disabilities and even terminal diagnoses. 

Travellers can choose between two levels of coverage: Super and Super Duper, both of which are customisable, with some optional extras, such as an additional cover for winter sports or gadget cover. 

One thing that sets Free Spirit apart is that they are specifically dedicated to people with mental health conditions who may have difficulties in finding cover elsewhere. 

Like World First customers, those that buy senior travel insurance from Free Spirit also get free cover for sports activities, but for more than 100 sports.

OK to Travel is a specialist holiday insurance provider that offers the cheapest travel insurance providers for pensioners that covers a long list of disabilities. 

The benefits that come with its standard travel insurance for senior citizens include cover for cancellation, medical expenses, and personal accidents.

OK to Travel offers two other plans that are more comprehensive, which additionally feature lost medication, mobility aids, end supplier financial failure cover, as well as after-care cover for post-hospitalisation. 

There’s also an option to tailor your policy with winter sports and gold cover and buy protection against hazardous activities at an extra cost. 

Finally, the company will give you a full refund in case you need to cancel your trips (within 14 days) and can add a companion to your policy.

Southdowns is a popular insurer that has great policies for travel in Europe, all of which are underwritten by AXA.

They offer both annual multi-trip and single-trip policies for people up to the age of 65 and 75 respectively, with varying levels of cover to suit your needs and budget. 

All policies include emergency medical expenses, curtailment, trip cancellation, baggage, and personal money cover as standard, and you can increase your cover by spending a little more. 

Every Southdowns customer also gets full coverage for COVID-related emergencies, such as falling ill abroad or having to cancel a trip due to the virus. 

The best part about this insurer is that the cover extends to travel against the Foreign, Commonwealth, and Development Office (FCDO), but the claims can’t be COVID-related.