Over 70 and Have Pre-Existing Conditions? Here’s How Seniors Can Secure the Right Travel Insurance in 2025

Specialist providers such as Just Travel Cover, AllClear, and Saga offer travel insurance options for seniors with pre-existing conditions in the UK in 2025. These insurers provide comprehensive cover for older travellers—including those over 70, 80, or even 90—without arbitrary age limits. Policies are tailored for a range of pre-existing medical conditions, including heart disease, diabetes, cancer, and mental health concerns. Application typically involves a straightforward online or phone medical screening, and medical exams are not routinely required. Competitive pricing options are available, and applicants can compare levels of cover to find policies that suit their unique needs.

Key Features of Travel Insurance for Seniors with Pre-Existing Conditions in 2025

No Set Age Limits

Providers such as Saga and AllClear do not set maximum age limits on their travel insurance policies. This makes cover accessible for travellers beyond 70 or 80 years of age, a demographic often restricted by general insurers. Both single-trip and annual multi-trip policies are available, depending on individual requirements.

Importance of Full Medical Disclosure

It is important to declare all pre-existing medical conditions at the time of purchase. Relevant examples may include:

• Heart disease and high blood pressure
• Diabetes (type 1 and type 2)
• Cancer (either in remission or ongoing)
• Mental health conditions (such as anxiety or depression)
• Chronic illnesses, including arthritis or asthma

Accurate and complete disclosure during the screening process ensures that declared conditions are included in the cover. Failure to declare relevant health conditions could invalidate the policy.

Straightforward Application Process

Policies designed for seniors with pre-existing conditions generally do not require a GP letter or in-person medical checks when applying. Applicants usually complete a questionnaire online or by phone. In rare situations, a doctor’s note might be requested—primarily during the claims process for certain circumstances.

• No mandatory full medical exams are required for most applicants
• Medical screening is available online at any time
• Telephone support is offered for those who prefer to apply by phone

Wide Range of Medical Conditions Considered

Specialist insurers often have policies that can take into account many different medical conditions. Coverage may also be possible for individuals who are:

• Awaiting treatment or have undiagnosed symptoms (though cover for undiagnosed conditions may be limited)
• Terminally ill (with certain policy options considered)
• Taking regular prescription medications

Referrals to niche providers may be made in cases where needs are especially complex.

Emergency Medical Protection

These insurance options can include emergency medical expense cover, in some cases up to £15 million (as offered by Just Travel Cover), which can include:

• Emergency repatriation to the UK if medically necessary
• Extended accommodation if illness delays return travel
• Access to a 24-hour emergency helpline worldwide

Given the potential costs of treatment abroad, especially in countries like the USA, such cover is recommended.

Choice of Policy and Comparing Costs

Providers typically offer multiple levels of cover, allowing applicants to compare both price and protection. For example:

• Affordable options may be suitable for well-managed or lower-risk conditions
• Higher-tier plans may provide more extensive benefits
• Costs are influenced by factors including age, medical history, destination, and trip length

According to the Association of British Insurers (ABI), the average claim was £1,950 and the average policy cost was £109 for the 71–75 age group in 2022. Premiums can be higher for complex health profiles, but competitive rates remain available.

Applying Without Medical Exams for Seniors Over 70 and 80

The main providers referenced maintain streamlined application processes. Seniors over 70 or 80 normally do not need mandatory medical checks; they must answer medical screening questions honestly.

Policy Choices: Annual vs. Single Trip Cover

Insurers such as Saga offer both single-trip and annual multi-trip policies, including for customers over 80. It’s important to confirm that a chosen policy covers all relevant medical needs, especially for complex or changing conditions.

Medication Requirements and Legal Considerations

Many policies offer cover for prescribed medication needed abroad. Travellers should:

• Carry their prescription documents, including generic (medical) medication names
• Confirm that their medications are allowed in their destination country, as regulations may vary

Verifying medication rules before travel is important as some countries restrict specific prescriptions.

Comparing Affordable vs. Comprehensive Cover

While cost is a consideration, it is advisable to ensure that the chosen policy provides adequate benefits. Opting solely for the lowest price could mean less robust cover, potentially resulting in significant personal expense in case of an emergency. Choosing a suitable balance between price and protection can offer greater reassurance.

Steps to Secure Travel Insurance for Seniors with Pre-Existing Conditions

1. Compare policies from multiple specialist providers: Use comparison tools from Just Travel Cover and AllClear, which access a selection of underwriters.
2. Complete the medical screening fully and honestly: Declare all relevant conditions to ensure cover is valid.
3. Review policy exclusions carefully: Some scenarios, such as travel to destinations where official travel advice is against all but essential travel, may not be covered.
4. Understand the claims process: Be aware of which documents could be required if a claim is made, such as proof of fitness to travel.

Common Exclusions

• Travelling against government advice (such as restrictions from the Foreign, Commonwealth & Development Office)
• Undeclared pre-existing medical conditions
• Limitations regarding undiagnosed or terminal conditions (policy terms should always be carefully reviewed; further specialist consultation may be needed)

Summary for 2025

Travel insurance options for seniors with pre-existing medical conditions in the UK continue to be available and adaptable in 2025. Providers such as Just Travel Cover, AllClear, and Saga offer tailored solutions for older travellers, including those with complex medical backgrounds. Comparing options, being transparent about medical history, and thoroughly reviewing cover can help ensure preparation for travel with confidence and appropriate protection.

Sources

• Just Travel Cover – Travel Insurance for Pre-Existing Medical Conditions
• AllClear Travel – Medical Conditions
• Saga – Travel Insurance for Over 80s

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