Over 65's Travel Insurance

Specialist single or annual multi-trip travel insurance for over 65’s.

  • We take time and care to guide you through the available options and help you choose what’s important to you
  • We can provide cover for pre-existing medical conditions subject to a confidential medical screening
  • Benefit from a 24 hour Emergency Assistance Facilities helpline for medical emergencies

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

Get a quote
Retrieve a quote

For a little more support you can give us a call for guidance through your quote or just to ask a question:

0330 123 2249
0330 123 2249

We’re here for you Weekdays 9am - 5pm
Can’t get through right now? Request a callback

Providing you the peace of mind to enjoy your holiday carefree:

24 hour Emergency Assistance Facilities helpline

Emergency help for support when you need it the most. Available 24 hours a day, 7 days a week. The helpline will help you locate the nearest facility should you fall unwell and associated expenses such as a need for surgical or medical treatment. Cover for if another person on your trip is required to travel with you for medical reasons. This does not apply to any routine non-emergency tests or treatment. Please also be aware, an excess may apply to this section of cover.

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 £100 for any essential items such as toiletries and a change of clothing in the meantime – make sure you keep the receipts to support your claim. Just remember costs associated with mobile phones aren't included.

Pre-existing medical conditions

We recognise that no two medical conditions are the same and health conditions they can affect people differently. We therefore work with the team at Travel Insurance Facilities (TIF) and Union Reiseversicherung (URV), who are experts trained to provide comprehensive and confidential medical screening on a case by case basis. 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 experts at TIF, 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.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Tim Thornhill

Tim Thornhill

Head of Travel
“ Towergate is proud to offer a great range of Travel Insurance products. We aim to delight our customers at every turn, whether on the phone or through our new online journey which will be evolving throughout this year. Our team in Cheltenham will be happy to assist you to ensure a truly personal service and peace of mind on your travels.”

Over 65's Travel Insurance Claims

This policy is administered by Travel Insurance Facilities (TIF) and Union Reiseversicherung AG (URV). TIF have a specialist travel claims team, so it's the friendly team at TIF you'll speak to if you need to make a claim.

They’ll talk you through the details of your claim and advise you of the next steps in the process. If you’re claiming for any stolen property, make sure you have reported your loss to the Police and have obtained a written report and reference number - this will help with your claim.

We would also recommend you share your policy details with your next of kin, just in case they need to act on your behalf should you fall ill and you’re unable to make any contact with our claims team.

Need to make a claim?

Get the ball rolling, call on:

0203 829 6761

The team are available from 9am-5pm Monday to Friday.

Alternatively you can email the team: claims@tif-plc.co.uk or find a claims form online here: www.travel-claims.net

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

Over 65's Travel Insurance Articles & Guides

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

Falkirk Wheel And Visiter Centre

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The Falkirk Wheel

Tucked away up in Scotland between Edinburgh and Glasgow and named after the nearby town of Falkirk, stands a one of a kind feat of engineering. Read up on the what, where’s and how’s and why it’s a must-see destination.

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Winter Wonderlands with Towergate

This past Christmas, we ran a competition to find the most festive grottos in the land and got some amazing entries. Here’s our shortlist from the over 150 submissions we received.

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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 caravan could earn you thousands of pounds each year.

Over 65's 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?

Report it to the police as soon as possible and ensure this is within 24 hours of discovery, making sure you get a written report and crime reference number. If however some of your items are lost or are damaged during transit then retain your luggage tags and report it to the airline/rail company right away. If you find your luggage is delayed for more than 12 hours on your outward journey then you may need to purchase some essential items such as toiletries and a change of clothes – just keep your receipts and you’ll be able to submit a claim for up to £100.

What do I do if my trip is cut short?

If your trip is cut short due to medical reasons, then you’ll need to get a letter from the hospital or Doctor to confirm this and call the Emergency Assistance Facilities helpline on 020 3829 0674 5.

Request a callback

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