Over 65s Insurance

Specialist seniors’ travel insurance for single or annual multi-trips.

  • Cover for pre-existing medical conditions
  • 24-hour emergency helpline
  • UK based support
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Why choose over 65s insurance with Towergate?


Find the right travel cover for you

We take time and care to guide you through the available options and help you choose what’s important to you.


Cover for pre-existing medical conditions

We can provide travel insurance for over 65s with pre-existing medical conditions, subject to a confidential medical screening.


24-hour emergency helpline

Benefit from a 24-hour helpline for medical emergencies.

Direct Debit

Pay by Direct Debit

You can split your over 65s travel insurance payments into instalments.

About over 65s insurance


Cover for medical expenses while travelling

Cover is included for medical expenses including repatriation under the SunWorld policies and you can get cover for up to £15 million for Medical Emergency and Repatriation Expenses. An excess may apply but we do recommend you to get an EHIC card to allow you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In Australia you must enroll with a local MEDICARE office after the first occasion you see medical treatment and make sure you call the Emergency Claims Assistance Service for guidance. All claims are handled within the UK.


Cover for your personal belongings

Over 65s travel insurance includes cover for your personal belongings so if they were to be lost or stolen you’d be compensated. If you’re unfortunate enough to find yourself in this situation, make sure you report any stolen possessions to the local police within 24 hours. We’ll also cover up to between £200 to £500, depending on your policy, for any essential items such as toiletries and a change of clothing in the meantime.


Over 65s with pre-existing medical conditions

We recognise that no two medical conditions are the same and health conditions they can affect people differently. We may be able to provide cover even if you've had treatment for a heart condition, a stroke or high blood pressure, a breathing condition or any type of cancer or diabetes. You just need to speak with an adviser, who will be able to confirm whether or not we can provide cover for you.


Cutting your trip short

If you need to cut your trip short, due to an illness or injury, then you’ll be able to submit a claim for unused transport, accommodation and additional travel expenses that you have paid for using your money, although there is no cover for air miles or flying vouchers where there is no face value.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01473 351757 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Over 65s insurance FAQs

This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.

No. The UK's reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.
It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.

If for some reason we are unable to find you affordable travel insurance for your medical conditions, the Money Advice Service has introduced a service to help you. 

If you need to speak to the Money Advice Service regarding travel insurance you can contact them online.

You can also see more information on OK to Travel.

Yes. It’s really important to declare any pre-existing or reoccurring medical conditions. Use the online quote system or speak to an experienced member of the team to guide you through a quick medical screening process.

Please contact the appropriate claim details above.

Please contact the appropriate claim details above.

Read more FAQs

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