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Senior travellers

Seniors Travel Insurance Cover FAQs

The 'golden years' aren't meant for just sitting at home – they’re the perfect time for you to travel the world.

Our seniors travel insurance cover will keep you protected no matter where your holiday takes you. For more information about travel insurance for pensioners, visit the seniors travel insurance cover page.

Do I need to provide a medical certificate or information from my doctor if I make a claim?

Yes, the medical certificate on the claim form will need to be completed by the usual General Practitioner (GP) of the person whose health caused the claim. A specialist report may also be required. We may require additional medical information including a full history for a claim, but we will let you know when that arises.

Do you have a Seniors Card (SuperGold) discount?

No, sorry. You can adjust the price of your premium by altering the excess or the cancellation amount you wish to be covered for.

Can I pay by cheque?

No, sorry. You can pay by Visa, MasterCard, or American Express.

Is there an age restriction for seniors travel insurance cover?

Yes. You can only purchase a travel insurance policy online if you’re 84 years of age or younger. If you are older than that, call us on 0800 500 225. Policy availability is subject to age, departure date, duration of trip, and area of travel. Plans may not be available to all travellers and limits may apply to travellers over 70-years old.

Do I need to buy a specific policy if I’m a senior traveller?

No, we don’t have specific travel insurance policies for senior travellers. However, we offer a range of policy options to help you find a plan that best suits you, at any age.

Why is seniors travel insurance cover more expensive?

The older you get, the higher the risk of having health issues - and this influences your travel insurance premium. Seniors are more likely to cancel a trip because of unexpected illness, or require medical assistance when travelling, which is why premiums are often higher for senior travellers.

Am I covered for anything that could go wrong on my trip if I get comprehensive cover?

We cover a wide range of mishaps and will be there to support you if something goes wrong. However, travel insurance can't cover everything that may go wrong on your trip – otherwise policies would be extremely expensive. It is important that you read the Policy Wording so you are aware of what our policies cover. If you’re unsure, call our friendly team on 0800 500 225 and they can help explain.

Can I get cover if I have an existing medical condition?

In many instances, yes. We provide automatic* cover for the below existing medical conditions (subject to requirements), with our policies:

  • Acne
  • Attention Deficit Hyperactivity Disorder (ADHD)
  • Allergy
  • Anxiety
  • Asthma
  • Bell’s Palsy
  • Bunions
  • Carpal Tunnel Syndrome
  • Cataracts/Glaucoma
  • Coeliac Disease
  • Congenital Blindness/Deafness
  • Depression
  • Diabetes
  • Glucose Intolerance
  • Ear Grommets
  • Epilepsy
  • Gastric Reflux
  • Goitre
  • Graves’ Disease
  • Gout
  • Hiatus Hernia
  • Hip/Knee/Shoulder Replacement
  • Hip Resurfacing
  • Hypercholesterolaemia (High Cholesterol)
  • Hypertension (High Blood Pressure)
  • Migraine
  • Gastric Ulcer
  • Peptric Ulcer
  • Plantar Fasciitis
  • Raynaud’s Disease
  • Skin Cancer
  • Stenosing Tenosynovitis (Trigger Finger)
  • Urinary Incontinence
  • Underactive/Overactive Thyroid

See our Policy Wording for full details and conditions.

If all of your existing medical conditions aren't automatically covered, you will need to complete a medical assessment form online during the quote process. Please note that you must declare all your existing medical conditions, regardless of whether they are automatically covered or not.

You can also call us on 0800 500 225 and we’ll be happy to talk you through it. Your condition will be assessed and we will determine if we can provide coverage. If we approve your condition(s), you may be required to pay an additional premium.

What is the assessment process for an existing medical condition?

Complete the online assessment form when you get a quote or call our Customer Service team on 0800 500 225. You need to tell us about all your conditions and we will complete the assessment to determine if we can provide coverage.

What if I can’t get cover for an existing medical condition?

If cover for your existing medical condition was denied in the assessment, you will not have any cover for incidents relating to your existing medical condition(s), but may still have cover under the policy for things like lost luggage or travel documents. Call us on 0800 500 225 to see what sort of policy we can put together for you.

What do I do if I need unexpected and immediate medical treatment overseas?

If it’s an emergency, call the local emergency line straight away. Then, when you can, call our 24-hour Emergency Assistance team so we can help. We will require a medical report from the treating doctor, details of your medical history and information from your General Practitioner (GP), as well as details of the cost of your overseas treatment. We can deal with the hospital directly while you focus on getting better. Keep in mind that claims are subject to approval.

* You can find a full list of automatically covered conditions in the Policy Wording of your chosen policy.