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Best travel insurance for over-65s in 2026
We explain how older travellers can get affordable cover and reveal the best policies without maximum age limits
Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
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Compare dealsIn this article
- Why does age matter?
- Best providers with no maximum age
- Best travel insurance policies that don't have maximum ages
- Do you need an insurer without an age limit?
- Does travel insurance cost more if you're over 65?
- Can you shop around for cover after 65?
- Don't ignore half the market: consider single trip cover
- More on travel insurance for older travellers
Why you can trust our over-65s travel insurance reviews
We go beyond the big insurers
Getting older can narrow your choice of insurers. That's why we analysed 163 policies from 48 different providers.
The details you need
We check maximum ages, both for annual and single-trip policies. We also look out for surcharges for older travellers.
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
Seven providers offered annual policies with no maximum age for new customers. The table shows the highest-scoring annual policy from each of those providers.
| Insurance provider | Top-scoring policy | Policy score |
|---|---|---|
| Saga | Plus – Annual cover | 82% |
| Nationwide | FlexPlus with Worldwide Travel Insurance | 79% |
| Staysure | Signature | 74% |
| AllClear | Platinum | 70% |
| InsureandGo | Black | 67% |
| Co-op Insurance | Platinum | 66% |
| Free Spirit | Super Duper | 65% |
| Just Travel Cover: Good2Go Extra | Gold | 59% |
| Average across all policies | 62% |
Table note: These policy scores come from our analysis of travel insurance policies. You can see all the policies we scored, plus our methodology, in our guide to the best travel insurance.
Best travel insurance policies that don't have maximum ages
Of the 163 policies we reviewed, 44 didn't have maximum ages for new customers.
Here are the best of these policies from the highest-scoring providers:
best buy
Saga Plus
The provider has no maximum age limit for new customers and offers some of the highest levels of cover for those heading off on highly expensive trips: up to £20,000 for cancellation cover, and £10,000 for baggage and valuables.
82%
1
out of 163 travel insurance policies rated
best buy
Nationwide FlexPlus
Nationwide's travel insurance, part of its packaged bank account, covers you, your partner (if they live with you) and dependents aged under 23. If you've booked a trip with different airlines, the missed departure element will cover the cost of getting back on track if a delayed outgoing flight led you to miss a connection.
79%
3
out of 163 policies rated
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.
Does travel insurance cost more if you're over 65?
Unfortunately, yes. Age is one of the key factors to impact what an insurer quotes you. We asked MoneySuperMarket to analyse how much annual travel insurance policies cost at different ages, and its stats show that travellers aged 65-69 pay almost double the average premiums of younger policy holders (aged 18-49).
If you have a pre-existing medical condition, as becomes more common with age, this can push premiums up still further. This makes it all the more important to try shopping around as widely as possible.
Source: MoneySuperMarket. Data based on the average price of travel insurance sold through MoneySuperMarket in May 2026. Single trip policies will generally be cheaper than annual policies.
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.
Source: Which? analysis of 144 annual and single-trip policies in May 2026.
Check you're getting a great deal and search for a new travel insurance policy using the service provided by MoneySuperMarket. Get a quote now
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:
Compare travel insurance
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