What’s the Best Travel Insurance for Seniors Over 65 in Ireland? Key Tips to Secure Your Coverage in 2025

Did you know seniors face unique risks when traveling abroad? Discover how to find travel insurance that covers pre-existing conditions and offers financial protection tailored to your age and health needs.

Considerations for Senior Travel Insurance

As people age, the likelihood of needing medical care during travel can increase, highlighting the importance of appropriate travel insurance. Standard travel insurance policies may not always cover pre-existing medical conditions often associated with seniors, such as diabetes, heart conditions, or cancer. Some senior-specific travel insurance policies generally:

Provide higher medical coverage limits
Include certain pre-existing conditions if disclosed
Offer additional benefits like post-hospital care assistance
Sometimes allow carers to be included as travel companions
Are designed to address the particular needs and risks experienced by older travelers

Premiums typically increase with age, especially after 65, and further after 70 and 80. Although prices may rise, the expanded coverage aims to reduce potential financial exposure to medical treatments or trip disruptions.

Travel Insurance Providers for Seniors in Ireland

AA Ireland – Travel Insurance Designed for People Aged 70 to 79

AA Ireland offers travel insurance policies aimed at people aged between 70 and 79. Key features include:

Age limits: Coverage is available up to age 79; travelers over 80 may not be covered.
Trip duration limits: Single trips are generally covered up to 45 days, with trips limited to 31 days for those aged 76 and older.
Medical coverage: Emergency medical treatment and repatriation coverage up to €10 million under their Extra Policy option.
Trip cancellation protection: Covers non-refundable costs up to €6,000 under the Extra Policy.
Pre-existing conditions: Some conditions such as hay fever, cataracts, asthma, and IBS may be included if stable; all conditions need to be declared to avoid exclusions.
COVID-19 coverage: Provided if insurance is purchased at least 48 hours before departure.
Additional requirement: For travelers with private health insurance, a minimum overseas inpatient cover of €55,000 is recommended.

AA Ireland’s policies may be suitable for seniors within specified age ranges and trip durations, but do not provide coverage for travelers over 80.

CompareTheMarket – Comparison of Senior Travel Insurance Policies

CompareTheMarket offers access to policies from various providers catering to seniors over 70. Some general points are:

Focus on medical coverage: Policies often cover emergency medical treatment, post-hospital aftercare, and equipment damage.
Pre-existing medical conditions: Coverage may be available for declared conditions such as diabetes, cancer, or heart disease, provided conditions are fully disclosed.
Carers: Some policies allow carers to be included as traveling companions.
Annual multi-trip insurance: Options for seniors who travel frequently.
Pricing: Premiums generally increase with age and disclosed health risks.

This platform facilitates comparing policies to find one that aligns with medical and travel requirements rather than selecting solely based on price.

Just Travel Cover – Policies Without Upper Age Limits

Just Travel Cover offers policies that do not impose an upper age limit, including coverage for travelers over 80. Key points include:

No age restriction: Policies available for all ages.
Pre-existing medical conditions: Coverage may be available for declared conditions.
Single trip and annual multi-trip options: Flexible solutions for various travel patterns.
Cruise coverage: Specialized options for cruise travelers.
Wide insurer panel: Provides access to a range of policies tailored to personal health profiles.
Industry recognition: Received awards acknowledging service quality in 2023.

This provider may suit seniors seeking coverage beyond the age limits several providers set, with a range of medical condition considerations.

Things to Keep in Mind When Choosing Travel Insurance as a Senior

Disclose all medical conditions: Accurate disclosure is essential to maintain the validity of your policy.
Secure insurance early: Purchasing insurance soon after booking may help cover trip cancellations or interruptions.
Consider trip length restrictions: Some insurers set trip duration limits for older age groups; verify these against your travel plans.
Review coverage limits: Pay attention to limits for medical coverage, repatriation, emergency care, as well as baggage or document protection.
Include carers if needed: Check if policies allow carers as travel companions and understand the terms involved.
Understand policy exclusions: Common exclusions might relate to undisclosed pre-existing conditions, certain high-risk activities, or travel to specific destinations.
Annual vs single trip policies: For frequent travelers, annual multi-trip insurance may offer better value.

Typical Costs of Senior Travel Insurance in Ireland in 2025

Premiums generally increase after age 65, with further increases at 70 and over 80.
Declared medical conditions such as heart disease or cancer may also impact premiums.
Costs depend on factors including travel destination, trip duration, coverage limits, and individual health status.
AA Ireland offers a policy with €6,000 cancellation cover and €10 million medical emergency limit but applies trip length restrictions based on age.
Just Travel Cover and policies available via CompareTheMarket provide various options balancing price and medical coverage.

It is advisable for seniors to obtain and compare multiple quotes while carefully reviewing policy terms and conditions rather than focusing solely on price.

Summary Information About Senior Travel Insurance Options

In 2025, seniors in Ireland have access to travel insurance options that consider age and health factors, including:

AA Ireland, which covers travelers aged 70–79 with specific coverage limits and trips durations, excluding those over 80.
CompareTheMarket, which offers a platform to compare senior-focused policies including options for carers and coverage for declared medical conditions.
Just Travel Cover, which provides policies without upper age limits and with wide coverage for declared medical conditions, including over-80 travelers.

Selecting an appropriate policy depends on your individual age, health profile, travel frequency, destination, and trip length. Providing accurate medical information and purchasing insurance promptly after booking will help ensure adequate coverage. By reviewing senior travel insurance options focusing on the coverage offered, seniors over 65, 70, and 80 can find suitable protection that meets their needs.

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