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Seniors Travel Insurance

Quality travel insurance you can customise to your needs

The 'golden years' aren't meant for sitting at home, it's time to travel the world! What’s stopping you from booking your next great adventure? Our policies are world-class for seniors. So if you want great quality cover for your travels and are under 84^ years old, get a quote for Cover-More Travel Insurance. We've put together some Seniors Travel Insurance FAQs from travellers just like you. 

Choose your policy

If you travel often, our annual multi trip policies^ may be ideal for you. You can purchase 12 months’ cover for trip durations of either 30, 45, or 60 days. Then you’re covered for an unlimited number of journeys in the 12-month period, with a maximum of 120 days travel in total.

If you are on a budget, you can choose from a variety of excess options and additional extras to adjust your cover and premium. Get a quote online today and see how affordable protecting your travel dreams can be.

Do I need travel insurance?

There are a number of reasons why travel insurance is important and even more so for senior citizens. You may not be as fit and healthy as you used to be and medical costs overseas can be huge. A trip to the hospital for gastro in the USA can cost you upwards of £58,000. The quickest way to ruin a trip is for you to come home with a big bill.

Your chances of robbery have increased too, with thieves targeting older travellers. Make sure you and your belongings are protected on your trip.

senior couple in park

Why pick Cover-More

We provide you with great value for money. Our plans offer these premium benefits* popular with senior travellers:

  • Fast turnaround time for claims processing
  • Helpful call centre available on 01245 272408
  • 24/7 emergency medical and travel assistance
  • Overseas medical and dental cover
  • Trip cancellation and amendment
  • Travel disruption and missed connections
  • Luggage and travel documents benefits
  • Travel delay expenses
  • Rental car insurance excess
  • Cruise cover
  • Golf cover

Medical coverage

Don't let an existing medical condition stop you from seeing the world. Cover-More can provide cover for a variety of existing medical conditions, but cover must be separately applied for and accepted by us. To apply for cover for your existing medical condition/s, you must complete a medical screening which can be accessed during the quote process on our website. If you need some help with this, give our friendly team a call on 01245 272 408 and we’ll be able to help you through it. Keep in mind that cover may be subject to special conditions, limitations, excesses and amounts payable if accepted. We will be sure to notify you in writing of these before we issue the policy.

If the state of your health, or the health of anyone who your trip depends on, changes before you depart on your journey then you must inform us. This may include if a new condition develops or an existing medical condition worsens. Failure to notify us about a change in circumstances may result in Cover-More having to amend, restrict or cancel your cover under the selected policy.

Reciprocal health agreements apply if you are travelling to Switzerland or within the European Union (EU) or the European Economic Area (EEA). You will need to obtain a European Health Insurance Card (EHIC) that allows you to benefit from the reciprocal health care agreement. If you do not get an EHIC, your claim may not be covered.

If your trip is to Australia or New Zealand, you will need to register with the national Medicare scheme in those countries or your claim may be denied. In-patient and out-patient public hospital treatments are given free of charge or at a minimal cost.

Please read the Policy Wording for full details.

couple of senior travellers

Do you need to add Cruise Cover?

Cruises are great for senior travellers. Visiting multiple locations from the comfort of a luxury liner makes for a relaxing holiday. If you are going on a cruise, then make sure you select either a Gold or Diamond plan. These policies automatically provide limited cruise cover for benefits like cabin confinement, missed excursions, scheduled port cancellation and missed cruise connection. This means you don’t need to add any extras to your policy for cruise cover.

Please note that our Economy and Silver plans do not have cruise cover available, only the Gold and Diamond plans include these benefits. Be sure to check out the Policy Wording so you’re aware of the limitations and exclusions of your chosen policy. 

Cooling off period

When you purchase a Cover-More policy, you’re covered by our cooling off period**. This means that if you are not completely satisfied with your chosen policy and wish to cancel it, you may do so within 14 working days of purchase. We’ll give you a full refund as long as you are not making a claim under the policy and are not cancelling after the start of your journey.

Let’s talk

So what are you waiting for? Get out there and explore the world knowing Cover-More can protect you on your travels. Get a quote online, or call us on 01245 272408.

^ Policy availability subject to age, departure date, trip duration and area of travel. Policies may not be available to all travellers and limits may be applied.
* Benefits and coverage amounts vary depending on policy types. Refer to Policy Wording for more information.  
** Cooling off period is available if you cancel your policy within 14 days of purchase provided you have not departed on your journey or made a claim on your policy.

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