Travel Insurance For Over 65s
Specialist cover with no upper age limit, including for pre-existing medical conditions.
Free Spirit’s travel insurance for over 65s provides first-class wide-ranging cover to protect you and your travelling companions if you’re travelling abroad or in the UK.
Over 65s medical travel insurance can be tailored to your travel needs. Also, Free Spirit can provide you with an excellent service at a great price! It’s always good to have the option of different levels of cover to suits your individual needs and budget as well.
At Free Spirit, we believe that everyone should have the freedom to travel, with confidence to enjoy a holiday abroad. That’s why we don’t have an upper age limit on our specialist travel insurance policies. Over 65s travel insurance can be purchased as a single or annual multi-trip policy, whether you’re 65 or on your way to 70.
Key Features of Over 65 Holiday Insurance
No Upper Age Limit
Single Trip Policies (with a maximum of 115 days per trip)
Annual Multi-Trip Policies (with a maximum of 45 days per trip)
Cover For Medical Conditions
Three Cover Levels
5-Star Defaqto Rated Cover
Call a UK-Based Phone Team
PJH Flight Delay benefit included as standard
The option for Winter Sports Cover*
*The upper age limit for Winter Sports Cover is 69. There is no limit to the trip duration on Single Trip Policies. For Annual Multi-trip policies winter sports trips cannot add up to more than 17 days in total in the period of cover.
Why Choose Free Spirit for Over 65s Travel Insurance?
No Upper Age Limit
Cover for Most Pre-Existing Medical Conditions
5-Star Defaqto-Rated Super Duper Cover
Cover Your Travelling Companions on One Policy
What Does Over 65 Travel Insurance Cover?
Over 65 Travel Insurance covers most medical conditions and disabilities for UK residents of any age. There is no upper age limit for most destinations, on both single-trip and annual multi-trip policies. Specific cover for medical aids and prescribed medication is provided. Plus, there is a cruise-specific cover option available!
View all the benefits of over 65 travel insurance cover.
Know what a travel insurance policy should cover.
Single Trip or Annual Multi-Trip Travel Insurance Over 65
Annual Multi-Trip Cover for Over 65s
Annual travel insurance for the over 65s provides cover for an unlimited number of trips within any 12-month period.
Choose the best cover level to ensure your trip is fully covered:
- Standard and Super Cover, covers trips of up to 32 days.
- Super Duper Cover, covers trips of up to 45 days. Rated 5 Star by Defaqto.
Remember to inform us of any changes to your health when holding an annual multi-trip policy.
How Trip Length Limits Change from Age 76
For over 65s Single Trip Cover covers trip lengths of up to 115 days. However, after age 76, the trip length for Single Trip Cover is limited to a maximum of 45 days. With over six weeks of coverage in place, enjoy some unique experiences! Join an immersive expedition or take your taste buds on a food tour.
Over 65s Travel Insurance With Pre-Existing Medical Conditions
How Our Online Medical Screening Works
Medical screening is required for people living with medical conditions and/or disabilities. It’s an easy, straightforward process where our UK-based team goes the extra mile to help you to travel, with confidence!
The medical screening process in 3 steps:
Step 1: Call us or follow the medical screening process online.
Step 2: Share your trip details, and we’ll ask leading questions about your health, such as, ‘In the last five years, have you…’. This helps us narrow down the answers.
Step 3: You’ll be given a bespoke quote based on your age, destination, and medical declaration.
What makes Free Spirit’s medical screening process unique?
The script is relevant but conversational, and our common-sense approach makes us fair. Also, we don’t work to a time limit, which allows us to provide an empathetic service. So, ask us any questions you have!
Medical Conditions We Commonly Cover
Travel Insurance For Over 65s FAQs
Can I get travel insurance if I’m over 65?
Free Spirit can provide travel insurance if you’re over 65 and are a UK resident (England, Wales, Scotland, and Northern Ireland), the Channel Islands, the Isle of Man, or for members of the British Armed Forces. We believe everyone has the freedom to travel with confidence, no matter your age, disability, or medical condition.
Is there an upper age limit on Free Spirit travel insurance?
Free Spirit has no upper age limit for most destinations on a single trip or annual multi-trip travel insurance policy. If you’re young or young at heart, you can enjoy a trip and be fully covered for all your adventures.
What is the best travel insurance for over 65s with pre-existing medical conditions?
Free Spirit is one of the best travel insurance policies for over-65s with pre-existing medical conditions because it is one of the largest medical travel insurance schemes that provides specialist cover. It is dedicated to providing cover for those who have been declined a travel insurance policy elsewhere due to their health or disability.
Why does travel insurance cost more after 65?
A travel insurance policy like Free Spirit costs more for those over 65 because premiums are made higher by insurers. This is because insurers believe that there’s a greater risk of seniors making a claim for medical expenses. The other factors that can increase the cost of travel insurance include the destination you’re visiting and the duration of your trip.
Can I get annual multi-trip travel insurance over 65?
Yes, you can get annual multi-trip travel insurance if you’re over 65 – consider Free Spirit! Cover is provided for an unlimited number of trips within any 12-month period, making it good value for money, while you receive cover for pre-existing medical conditions and more.
Find all the features of Free Spirit’s annual multi-trip insurance.
Do I still need travel insurance if I have a GHIC?
Yes, you still need travel insurance if you have a GHIC (Global Health Insurance Card). It may provide healthcare in some scenarios. However, travel insurance ensures you’re fully covered. For instance, the GHIC doesn’t provide cover in private hospitals, so you’d pay the bill. In an emergency, call the emergency assistance team! They’ll share the most suitable healthcare facility with you.
Can over 65s get cruise travel insurance?
Yes, Free Spirit can provide cruise travel insurance for the over 65s as long as they’re resident in the United Kingdom (England, Wales, Scotland, and Northern Ireland), the Channel Islands, or a BFPO area. Remember, there is no upper age limit for most destinations with Free Spirit Cruise Travel Insurance.
Discover the cruise-specific benefits of Free Spirit cruise.
Get a Quote For Over 65s Travel Insurance
With a Free Spirit travel insurance policy, gain the freedom to travel, with confidence! Know that you and your travelling companions are covered in full whatever their medical condition or disability.
Customer reviews
″I have found it very refreshing to see how pleasant and helpful Free Spirit have been through a difficult time for my family and I. I am extremely impressed with the excellent service and kindness that we have received. I would have no hesitation in using your company again and also recommending you, the main reason being your considerate staff members.″