Best travel insurance for over-65s in 2026

Why does age matter?

Travel insurance prices can rocket as you age because, according to the insurance industry, you're statistically more likely to make higher-cost claims.

And as prices rise, choices shrink because many insurers impose maximum age limits for new customers, in some cases as low as 45.

While it undoubtedly gets tougher to find good deals, quality travel insurance is still out there, so this guide will show you how to find it.

If you're over 65 and have pre-existing medical conditions, also see our medical conditions travel insurance guide.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular T&Cs of an insurer before committing to any financial products.

Best providers with no maximum age

When we quizzed 47 travel insurance firms in 2026, the following told us they had annual policies that don't have maximum ages for new customers: 

All Clear, Co-op Insurance, Free Spirit, InsureandGo, Just Travel Cover: Good2Go Extra, Nationwide and Saga.

Members can log in to see how each provider's highest-scoring policy compares in our analysis. 

If you're not already a member, join Which? to get full access to these results and all our reviews.

Do you need an insurer without an age limit?

Not necessarily. Older customers aren't all the same, and the insurer that's best for you will vary depending on factors such as your health and where you plan to travel.

Additionally, even if you're over 65, there will still be a wide number of insurers (with age limits) that can offer you cover, potentially with lower premiums: 

• With annual policies, the average age limit is 76 years old
• With single-trip policies, the average is 89.

However, if you've been struggling to find insurance due to your age, insurers with no upper age limit are a good starting point.

• Find out more: best travel insurance providers in the UK.

Can you shop around for cover after 65?

Absolutely – shopping around is one of the best ways to save money. 

You may, however, find fewer policies on offer, particularly annual policies. This happens most notably once you pass your 70s.

The chart below shows how the availability of cover drops for customers shopping around for new cover.

Don't ignore half the market: consider single trip cover

Dean Sobers, Which? insurance expert, says:

Intuitively, buying annual policies would seem like a bit of a no-brainer if you holiday more than once a year. It's basically the rule of making savings through buying in bulk.

However, as our analysis shows, this won't necessarily stand up for older travellers buying insurance. If you're 79, you may have access to 60 annual policies we reviewed or 107 single-trip policies, since they tend to have higher maximum age limits.

Consequently, focusing solely on multi-trip options could blind you to many better alternatives, even if you plan to insure numerous excursions.

This isn't to say single-trip cover will definitely return better value – either in terms of cover or price – but it makes sense to check all of the market that is accessible to you to ensure you're not missing out. 

More on travel insurance for older travellers

More questions on travel insurance? Take a look at our guides:

• Best travel insurance
• Best travel insurance for pre-existing medical conditions
• Best cruise insurance
• Best ski insurance
• Ehic and Ghic explained 
• Golf travel insurance explained 
• How to claim on your travel insurance