Travel insurance for over 65s works the same way as other travel insurance. Your age is just one part of what forms the quote, alongside your destination, trip length, cover level and any medical conditions declared. Holidaysafe does not move you onto a separate policy simply because you are over 65. The options shown will depend on the information you provide when you get your quote.

Single Trip policies have no upper age limit, subject to your destination and trip duration. Annual Multi Trip policies are available to travellers aged up to 85.

Travel insurance policies available via Holidaysafe consider 11,000 medical conditions, declared through the online Protectif medical screening service as part of your quote. Screening asks about treatment, medication, tests and medical advice, and the cover available for each condition plus any additional premium is shown before you buy. Whether a specific condition can be included depends on what the screening returns for your circumstances.

A pre-existing medical condition is generally a condition you currently have or have had within the last five years. This also includes conditions you take regular medication for, or where you’re waiting for tests, investigations or treatment. You don’t need to tell us about minor illnesses such as colds or flu, contraception, routine health checks with no diagnosis, or menopause-related investigations or treatment. If you’re unsure whether something needs to be declared, it’s best to tell us.

The price depends on several factors such as your age, destination, trip length, cover level, the number of travellers, and anything declared medically. The best way to check the prices available is to get a quote.

The best travel insurance for over 65s is the policy which best suits you and your trip plans. This will depend on how long you’re going for, where, what you’ll be doing, and your medical screening. During our quote process, we’ll ask you a few questions about you and your trip, and then we’ll only show you results which match your criteria. You can then compare and pick the right policy for you.

Single Trip policies cover holidays of up to 94 days, depending on your age, chosen destination and the outcome of your medical declaration. If your planned trip is longer than the maximum duration available for your age and destination, Single Trip cover won’t be available for those travel dates.

Annual Multi Trip cover is available to travellers aged up to 85. It runs for 12 months, covers an unlimited number of trips with no cumulative cap on your days abroad, but does apply a maximum length to each individual trip (usually between 21-65 days).

Cover for UK trips is available. Many people forget to cover their staycations, as the usual worry about medical claims are covered in the UK by the NHS. However, you should still consider travel insurance for things like cancellation, personal belongings and travel disruption rather than medical treatment. Check your policy wording for the conditions that apply.

Cruise cover is not provided as standard on most policies available via Holidaysafe, and must be added if you’re sailing. It deals with the parts of a cruise that a standard policy doesn’t reach, including missed port departures and cabin confinement, and medical treatment on board can be expensive without it. Add the cruise option during your quote and enter every excursion destination on the itinerary along with the departure countries either side.

Travel insurance policies available via Holidaysafe cover over 100 sports and activities. Golf, walking, hiking, cycling and swimming are among the activities travellers often ask about. During the quote process we’ll ask you to enter any activities you plan on participating in, so we can show you the cover available. If you want to check in advance, see the activity packs page. A golf extension is available for travellers planning a golf holiday, while ski trips need a Winter Sports policy or Winter Sports cover added to your policy.

We would always recommend you purchase a travel insurance policy as soon as you book your trip and pay any money towards it, as buying your policy early means you’re covered for any unexpected pre-travel disasters such as cancellation.

For urgent medical help, call the local emergency services first, the equivalent of 999 wherever you are, then contact the 24/7 Emergency Medical Assistance team as soon as you’re able. The number is on your policy documents. For anything you need to claim for afterwards, visit the claims information page for the appointed claims team’s contact details. You’ll need your policy number, an account of what happened, and any supporting documents.