Many Seniors Don’t Know About Travel Insurance That May Not Penalise Pre-Existing Conditions

Flexible Cover for Common Conditions

Specialist insurers are increasingly offering policies that assess risk on a case-by-case basis, rather than automatically excluding travellers with common medical issues. While not every condition is ignored, many insurers are willing to offer cover with reasonable terms for conditions like high blood pressure, diabetes, or joint issues—especially when they are stable and managed.

How Much Does It Cost?

Prices for these specialist policies vary depending on age, destination, trip duration, and health history. While some premiums may be higher than standard policies, many travellers find the added peace of mind worth the investment. Some policies start at under £50 for a short European trip, but more complex cases or longer travel plans may cost more. Always compare quotes from multiple providers to find the best fit.

Which Companies Offer This Type of Cover?

There are several UK-based insurers and comparison platforms that focus specifically on travel insurance for over-65s and those with medical conditions. While we don’t endorse any single provider, some seniors start their search with well-known names in the market or brokers that specialise in medical travel insurance. Always look for FCA-regulated companies and check customer reviews for service quality.

How to Find the Right Policy

To avoid overpaying or being under-covered, seniors should explore insurers that specialise in older travellers or pre-existing conditions. Many offer online medical screenings to help tailor policies to your needs. Look for policies that clearly state emergency medical cover limits and exclusions before you commit.

With the right policy in place, older travellers can focus less on paperwork and more on making the most of their trip.