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Over 65s Travel Insurance

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

  • We take time and care to guide you through the available options and help you choose what’s important to you
  • We can provide travel insurance for over 65s with pre-existing medical conditions, subject to a confidential medical screening
  • Benefit from a 24 hour helpline for medical emergencies

Get a free travel insurance over 65 quote by clicking on the button below to get started:

Get a quote
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What does travel insurance for over 65s cover?

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 enrol 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.

Over 65s Travel Insurance Claims

Claims for policies bought before 15 January

Call us on:

(+44) 0203 829 6761

The team is available from 8:30am to 6:30pm Monday to Friday.

Alternatively you can email the team: or find a claims form online here:

Make sure you include: your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

Claims for policies bought after 16 January

24-hour number for medical emergencies

When you are in hospital, ring our 24-hour emergency assistance service on +44 (0)1473 351757.

Other claims

For other non-emergency claims such as lost baggage, cancellation or claiming for medical expenses when you are back in the UK, call +44 (0) 345 850 5193 Monday-Friday 8am-6pm and Saturday 9am-12pm.

Over 65s Travel Insurance Articles & Guides

Here at Towergate we love to learn about the things we insure, here are some fun infographics and helpful articles:

Static Caravans


The Sharing Economy: Earning Money from Your Caravan

You may be familiar with the term ‘Sharing Economy’, but are you aware of the opportunities it offers that may help you make the most of your caravan? Read on to find out how your static caravan could earn you thousands of pounds each year.

Unlimited Holiday Thumb


A Nation Divided on ‘Unlimited Holiday’

For many, 'unlimited holiday' sounds like a dream, but in actuality it is not so popular: 65% of workers do not think their employer should offer unlimited holiday. We surveyed 1,000 adults in the UK to gain insight into their thoughts on the matter.

What To Do With An Emppty Property Thumb


What to do with an Empty House

If you’re a home-owner with an empty house and you need to decide what to do with your vacant property, this guide will help you make an informed decision.

Over 65s Travel Insurance FAQs

Will I be able to be insured if I have a medical condition?

This will need to assess this on a case by case basis. The medical screening specialist will ask you 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 that we consider everything you tell us to be extremely confidential and we won’t share your details with anyone outside of our organisation.

Do I need to declare a pre-existing medical condition?

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.

What happens if my luggage gets lost or stolen?

Please contact the appropriate claim details above.

What do I do if my trip is cut short?

Please contact the appropriate claim details above.

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