Travel insurance for over 70s works in the same way as other travel insurance. Age is just one factor when calculating quotes, as well as destination, trip duration and the outcome of any medical declarations. Holidaysafe does not move you onto a separate policy simply because you are over 70.

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, so the policy type you choose may become more important as you approach that age.

It can. Maximum trip duration is set by a combination of your age and the destination region you’re travelling to, so the same trip length isn’t necessarily available everywhere. This can become more relevant in your 70s, particularly if you are planning longer trips. The quote journey will show the available options once you’ve entered your actual dates and destinations, and the customer service team can talk it through if you need assistance.

Travel insurance policies available via Holidaysafe consider cover for 11,000 medical conditions, which can be declared through the online Protectif medical screening service as part of your quote. Answer the screening questions fully when you get your quote, and any additional premium will be shown before you buy. Whether a particular condition can be included on your policy will be explicitly shown to you at the end of your screening.

Travel insurance prices can change as you get older, but age is only one part of the quote. Your destination, trip length, cover level, medical declarations and number of travellers can all affect the price. Two travellers of the same age can receive very different quotes because their individual circumstances and travel plans may be different. The clearest way to see what applies to you is to get a quote.

When comparing cheap travel insurance for over 70s, price should only be one part of the decision. Check what each policy includes for cancellation, emergency medical expenses and personal belongings, as well as the excess you may need to pay if you make a claim. For example, would you be comfortable paying a £150 excess per person in the event of a claim? Or would you prefer to pay a few pounds more for a policy which offers a lower excess. It’s also worth checking how pre-existing medical conditions and any activities you plan to do are treated under the policy. A lower-priced policy may have different limits, exclusions or excesses, so compare the detail as well as the headline price.

The best travel insurance for over 70s will depend purely on you and your trip. For example your destination, trip length, medical declarations and the type of cover you need. Compare the options available on their cover limits, exclusions, excesses and maximum trip duration, then read the policy wording before you decide.

Long-haul destinations can affect the price of travel insurance, particularly where medical treatment and repatriation costs are higher. Destinations where private healthcare is expensive will cost more than a European trip of the same length, and repatriation from further away costs more to arrange. Check the countries covered by travel insurance policies available via Holidaysafe to see how destinations are grouped.

Repatriation refers to arrangements for returning you to the UK if you cannot travel home as originally planned because of a medical emergency. What is included will depend on the policy selected and the circumstances of the claim, so check your policy wording for the terms that apply.

Annual Multi Trip cover via Holidaysafe is available to travellers aged up to 85. It runs for 12 months and allows you to take as many trips as you like during that time, provided each trip stays within the maximum trip length allowed by the policy. If you are taking several shorter trips during the year, it may be worth comparing Annual Multi Trip cover with separate Single Trip policies.

When you take out a new policy, answer the medical screening questions using your current health information rather than relying on what you declared previously. If your health changes after you have bought a policy, contact the customer service team to check what you need to do.

If you are taking a cruise, you must add cruise cover during your quote and enter all the destinations on your itinerary to make sure you’re covered. For escorted or coach tours, include every country you will visit so the appropriate destination region can be applied. Check the policy wording for any additional conditions that apply to your trip.

Visit the claims information page for the appointed claims team’s contact details. For a medical claim you’ll generally need your policy number, medical reports or discharge notes from the hospital or clinic that treated you, and receipts for anything you paid for directly. Keep any paperwork you are given by the medical provider, including receipts, reports and discharge notes, as the appointed claims team may ask for these when reviewing the claim.