Updated April 2026 · Kael Tripton · Travel Insurance

Important: Always declare all pre-existing medical conditions when buying travel insurance. Failure to declare may invalidate your policy. This guide is for information only and does not constitute financial advice.

Travel Insurance for 75 Year Olds — What UK Travellers Need to Know

Getting travel insurance at 75 in the UK is straightforward when you know where to look. While the choice of providers is narrower than for younger travellers, multiple specialists — including AllClear, Saga, Staysure, and InsureandGo — offer policies at this age with no upper age limit.

The premium at 75 is higher than at 65 or 70, and declaring pre-existing conditions is essential for ensuring claims are paid. This guide covers the specific considerations for UK travellers aged around 75, including which providers to approach and what cover features to prioritise.

What to Expect From Travel Insurance at 75

At 75, the travel insurance market is more specialised but by no means closed. Standard comparison sites may return fewer results — and some mainstream providers may not quote at all — but specialist over-70s comparison services and direct providers serve this age group well.

Premiums at 75 are typically 50% to 100% higher than at 65 for the same trip, destination, and medical profile. The increase reflects higher statistical medical claim frequency and severity. With pre-existing conditions, premiums are higher still but comprehensive cover remains available for most medical histories.

Annual policies at 75 are available but often restrict maximum single-trip duration to 31 days. If you plan trips longer than 31 days, single-trip policies for those specific journeys may be more appropriate.

Minimum Cover Standards at 75

At 75, adequate cover levels are even more important than at younger ages. At minimum, look for: emergency medical cover of £2 million for Europe and £5 million for worldwide travel (USA/Canada requires the highest limits due to healthcare costs); unlimited or very high repatriation cover; cancellation cover that matches your total pre-paid trip costs; and comprehensive cover for all declared pre-existing conditions.

Do not compromise on medical cover limits to reduce the premium — the difference in cost between £2 million and £10 million cover is typically modest, while the difference in protection is potentially enormous.

Using MoneyHelper if You Struggle to Find Cover

If mainstream providers decline to quote or quote premiums you consider disproportionate, the FCA requires them to signpost you to the MoneyHelper Travel Insurance Directory. This directory lists FCA-authorised specialists that focus on difficult-to-insure travellers including older ages and complex medical conditions. You can access it directly at moneyhelper.org.uk or call the BIBA (British Insurance Brokers' Association) helpline on 0370 950 1790 to speak with a specialist broker.

Frequently Asked Questions

Which providers cover 75-year-olds in the UK?

AllClear, Saga, Staysure, InsureandGo (up to 99), and Medical Travel Compared all cover travellers aged 75. Use specialist comparison services rather than standard aggregators which may not return full results for this age group.

How much does travel insurance cost at 75?

Premiums vary significantly by destination, trip length, and medical history. A 75-year-old with no medical conditions taking a one-week European trip may pay £40 to £100 depending on the provider and cover level. Worldwide cover and declared medical conditions increase this substantially. Always compare multiple quotes.

Does my age affect what I am covered for?

Age can affect some policy features — particularly maximum trip duration on annual policies and personal accident cover in some policies. Read the policy schedule carefully to ensure all features apply to your age group.

Is cruise cover available at 75?

Yes. AllClear, Staysure, and Saga all offer cruise-specific cover for 75-year-olds. Around 30% of UK cruise passengers are over 70, so specialist cruise cover for this age group is well-developed. Ensure the policy includes cabin confinement, missed port departure, and emergency airlift cover.

Conclusion

Travel insurance at 75 in the UK is available from multiple specialist providers. Prioritise adequate medical cover, declare all conditions, and use specialist comparison services that serve this age group rather than standard aggregators. If mainstream providers cannot help, the MoneyHelper Travel Insurance Directory is your next step. Do not travel uninsured — the financial risk of a medical emergency abroad without cover is significant.

Last updated: April 2026. Always read your policy documents carefully before purchasing. Travel insurance is regulated by the FCA — verify providers at register.fca.org.uk. For help finding cover with medical conditions, see the MoneyHelper Travel Insurance Directory.