What is travel insurance for seniors?
Our travel insurance for seniors is a policy tailored to the needs of older travellers. No upper age limit. No paying for cover you don’t need. Just reliable protection that fits your plans.
Irish seniors are exploring the world more than ever before. The Central Statistics Office shows overseas travel is booming for the over-66s.
More time, space, and freedom open up new adventures. But travel insurance can still feel like a hurdle. That’s where JustCover comes in.
We want you to enjoy your retirement to the fullest. Whether it’s a new country or a family visit, you can take us with you wherever you’re going. Our travel insurance for seniors lets you relax, knowing you’re fully protected. That’s one less thing to think about when planning your next holiday!
Why do older people need travel insurance?
It’s important to have the right type of travel insurance before you set off. Travel without insurance, and you could face a hefty bill if something goes wrong.
Here’s why the Department of Foreign Affairs strongly recommends Irish seniors get full travel cover:
Pre-existing conditions. It is common to have more than one health condition as we get older, according to Public Health Ireland. These may require specialist care or costly emergency treatment. The best holiday insurance for seniors also covers pre-existing medical conditions.
Risk of injury. The HSE estimates that 30% of adults over 65 will have at least one fall a year.
Medical emergencies can be costly. The average cost of a hospital stay per night in the US is around $3,025.
Trip disruptions. Flight delays, cancellations and lost luggage can lead to unexpected costs. With senior travel insurance, you’re protected if plans change unexpectedly.
No one likes to think of something going wrong on their holiday. But with travel insurance for seniors, you're covered if the worst happens while you’re away.
Which ages qualify for JustCover’s travel insurance for seniors?
With more leisure time to travel, getting older has its benefits! Luckily, at JustCover, there’s no upper age limit to our travel insurance for elderly people.
We want as many people as possible to do more on their holiday. From walking to cycling, all our senior holiday insurance covers 100 different activities as standard. Take us with you and you can enjoy an adventure at any stage of life.
We offer tailored travel insurance for:
Over 60s. Flexible cover for those embracing retirement travel.
Over 70s. Protection for adventurous travellers in their seventies.
Over 80s. Specialist cover for older travellers with no upper age limit.
Over 85s. A policy tailored to the unique needs of this age group.
What does JustCover’s travel insurance for seniors cover?
The best holiday insurance for older people lets you travel stress-free. With JustCover, you’re covered for medical emergencies, cancellations and lost baggage. And with customisable options, you can build a policy that suits your travel plans. For full details of what is and isn’t included, read our Policy Wording.
What's covered
Emergency medical expenses & repatriation. Covers tests, treatments and medications if you fall ill or get injured abroad. Includes repatriation to bring you safely back to Ireland.
Cancellation protection. If something unexpected forces you to cancel your trip before you set off, we’ll cover your flight and accommodation costs.
Curtailment cover. If you need to return home early due to an emergency, we’ll help with the costs.
Travel delay compensation. If your flight is delayed, we’ll compensate you for the inconvenience.
Personal belongings protection. Covers lost, stolen or damaged baggage and valuables.
Personal liability cover. If you accidentally injure someone or damage property while travelling, we’ll cover legal expenses and liability costs.
What's not covered
Claims below the policy excess. Minimum claim amounts apply.
Trips outside your chosen region. Tell us where you’re heading to make sure your destinations are covered.
Pre-existing known circumstances. Issues you were aware of before booking may not be covered.
Undeclared medical conditions. Tell us all of your pre-existing conditions to make sure you’re fully protected.
Choosing not to travel. We’ll only cover cancellation if the reason falls within our policy terms.
How much does travel insurance for seniors cost?
The cost of travel insurance for older people varies, but that’s not just because of your age. It’s because we consider several factors when calculating your premium.
- Your destination. Some countries, like the USA, have higher healthcare costs.
- Your holiday activities. We’ll cover over 100 activities at no extra cost. But if you’re cruising, playing golf or going scuba diving, you may need additional cover.
- The length of your trip. Longer trips typically cost more to insure.
- Your pre-existing medical conditions. A mild condition that’s well-managed may only have a small impact on your premium. A serious condition, more medications, or a higher complication risk could result in higher costs.
The amount you pay for your policy depends on your personal circumstances. It’s why we offer tailored quotes – to make sure you get the right cover at the right price.
Is senior travel insurance more expensive?
Unfortunately, travel insurance does get more expensive as you get older. Insurers base costs on risk. As we age, the likelihood of needing medical treatment while travelling increases. That’s why premiums tend to be higher for older travellers.
Pre-existing medical conditions can also affect the cost of senior travel insurance. They may require specialist care or emergency treatment abroad.
At JustCover, we believe in tailored policies. Our personalised quotes mean you’ll only pay for the cover you actually need.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
Black
Gold
Silver
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Find the best travel insurance for older travellers
The best holiday insurance for older people lets you tailor your cover to your travel style. Whether you’re taking one special trip or travelling throughout the year, we’ve got the right option for you.
Going away just the once in the next 12 months? Our single trip travel insurance covers you every step of the way.
Annual multi-trip travel insurance
Making the most of your retirement? Explore without the hassle of arranging insurance every time, with an annual policy to cover all your trips.
Why choose JustCover for your seniors’ travel insurance?
At JustCover, we understand the needs of senior travellers. We’re here if plans change, flights get delayed or if something goes wrong abroad.
Here are just a few reasons to choose us to cover your trip:
- Over 20 years’ experience finding the right cover for our customers
- 24/7 emergency medical assistance
- Up to unlimited cover for medical expenses and repatriation
- 98% of customers would recommend us¹
- Up to €3k personal belongings and baggage cover
Specialist travel insurance for seniors
Travel needs change with age – and so should your insurance. Our senior travel insurance lets you build a policy that fits your lifestyle. With us, you’ll travel smart and enjoy every moment.
Golf travel insurance
Sports fan? Tee off with golf insurance that covers everything from green fees to clubs.
Travel insurance with medical conditions
Travelling with pre-existing medical conditions? Get up to €10 million cover for medical expenses.
Want to enjoy a holiday with the family? Just cover everyone under one policy and relax.
Looking to enjoy your golden years with a fantastic cruise? Unwind on the waves with JustCover.
Destinations covered by travel insurance for seniors
See the world with ease with senior travel insurance tailored to your destination. From city breaks to beach escapes, you can take us with you, wherever your travels take you.
Whether you're chasing Spanish sunshine, French culture or Italian cuisine, our European cover will keep pace with your plans.
Going on a trip of a lifetime? With cover from Australia to the USA, and everywhere in between, there’s no limit to your globetrotting.
Seniors' travel insurance for pre-existing medical conditions
As we get older, our chances of having pre-existing medical conditions increase. Many older people have more than one.
But our travel health insurance for seniors provides specific cover for pre-existing health conditions. That’s one less thing to think about when planning your next holiday!
We’re experts at helping people with pre-existing conditions get cover for their trips abroad. Just tell us all your conditions. We’ll create a quote that works for you.
- Atrial fibrillation
- Cancer
- COPD
- Diabetes
- Disability
- Heart condition
- High blood pressure
- Stroke
Being covered is as easy as 1, 2, 3
Get your quote in seconds
You will only need to tell us some information about yourself and your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance recommendations from our team
"As we get older, we have more time and space to take those longer trips and see more of the world. Whatever the reason you’re booking that holiday, with JustCover you can travel without the stress."
Peter Clark - JustCover Director
What our customers say
“Spoke to a very nice man called Josh in customer service. I was looking for travel insurance for my upcoming trip to Australia. Being 80 years old I was having trouble. Josh was so helpful. He was patient and explained everything simply and clearly. And supplied a choice of three plans with prices and cover. I decided on one and Josh guided me through the payment process. Very impressed with Josh and his efficiency. 5 stars well-earned.”
see full reviewFrequently asked questions about travel insurance for seniors
What makes JustCover the best travel insurance for seniors?
JustCover helps you make the most of every adventure. Here’s why it’s a great choice for seniors:
- No upper age limit. Whether you’re 65 or 85+, you’re covered.
- We’re a specialist medical travel insurance provider. We cover many medical conditions, including the most common in Ireland: heart disease, respiratory disease and stroke.
- Up to unlimited emergency medical expenses.
- 24/7 emergency assistance.
- Generous cancellation cover. Up to €10,000 if plans change unexpectedly.
- 98.8% of customers would recommend JustCover to family and friends².
With tailored policies and flexible options, you can relax and enjoy your holiday.
Do you need cruise travel insurance for a domestic cruise?
Yes, you do. Even if you’re setting sail around Ireland or the UK, you’ll need cruise-specific cover. It’s especially important for seniors, as medical care at sea can be costly.
Standard travel insurance may not cover cruise-related risks. Things like missed departures, onboard illnesses or itinerary changes. Cruise cover ensures you’re protected if plans shift or unexpected costs arise. With the right policy, you can relax and enjoy every moment on board.
What if you have life insurance? Do you still need travel insurance?
Yes, you do, because life insurance and travel insurance cover different things.
Life insurance provides financial support to your loved ones if the worst happens. But it won’t cover travel-related mishaps. Things like medical expenses, cancellations, delays, lost luggage or emergency travel home.
Travel insurance protects you while you’re away. It covers unexpected costs like hospital treatment, trip disruptions and stolen belongings. Without it, you could face hefty bills if things go wrong.
Do you need senior travel insurance with an EHIC?
Yes, you do. The Department for Foreign Affairs recommends you get holiday insurance even with an EHIC.
You should apply for one if you’re travelling within Europe. But you’ll also need travel insurance for seniors. That’s because your EHIC won’t cover:
- Destinations outside Europe
- Private healthcare. Only state facilities accept the card
- Repatriation. That’s the cost of flying you home, if medically necessary
- Mountain rescue services
- Some treatments and prescriptions
- Personal expenses related to medical disruption
- Lost or stolen belongings
- Trip cancellations or delays
Can family, friends or carers join the same policy?
Yes, they can. We offer both group and family cover. This means partners, relatives, friends, and carers can all be covered together. Having a single policy makes senior travel insurance easier to manage. They’re often more cost-effective than separate policies. There’s no upper age limit. You don’t even need to live at the same address.
Our group travel insurance:
- Covers up to 10 adults travelling together
- Perfect for extended families, carers or friends
- Can be more cost-effective than separate policies for each traveller
Our family travel insurance:
- Covers up to two adults and up to eight children under one policy
- Children must travel with a named adult on the policy
- Ideal for parents and children travelling together
Just ask for group or family cover when you get your quote.
Can seniors get an annual multi-trip policy?
Yes, they can. Seniors can choose between a single trip policy or an annual multi-trip policy. Which one’s right for you? It depends on your travel plans.
A single trip policy can be a better choice if you take one or two trips a year. It lets you customise your cover for each trip, so you only pay for the cover you need.
If you’re travelling two or more times a year, an annual policy can be more cost-effective. It’s also less hassle than buying separate cover for each trip. It provides continuous protection for multiple holidays. You don’t need to arrange insurance every time you travel.
Is medication covered if it is lost or stolen?
Yes, it is. If your medication is lost or stolen, replacing it can be costly and stressful. That’s why JustCover includes emergency medication cover in its travel insurance for older people.
If you need to buy emergency supplies, we’ll cover the cost of up to €300. That way, you can continue your trip without disruption. Whether your bag goes missing at the airport or your medication is stolen abroad, we’ll help you get the replacement you need.
For full details on what’s covered, check the Policy Wording.
Are you covered for cancellation if someone in your group needs to go home early?
Yes, you are. If a family member, friend or carer needs to cut their trip short, the rest of the group can continue their holiday without losing cover.
For this protection to apply, they must be named on your policy. If they’re not listed, they won’t be covered. To avoid complications, add all group members to your policy as soon as you can.
This cover can help with unexpected situations, such as medical emergencies, family issues or urgent travel home. It ensures that the remaining travellers can carry on with their plans without worrying about policy gaps.
Is there an upper age limit?
Some insurers set age limits, but we don’t. At JustCover, we believe travel is for everyone. That’s why our policies have no upper age limits. If you’re fit to travel, we can offer you cover, even if you’re over 85. The only exception? Our winter sports insurance. It only covers skiers up to 65 years old, at the date of issue. No wonder 98% of customers rate us ‘Excellent’ or ‘Great’³.
What types of questions will you be asked in the medical questionnaires?
Medical screening helps find the policy that’s right for you. We ask straightforward health questions to make sure you’re covered on your trip.
Examples include:
- Are you taking any medication?
- Have you had surgery or a hospital stay recently?
- Are you waiting for medical tests or treatment?
- Do you have a disability?
- Do you require mobility aids or medical equipment during travel?
- Do you have any conditions that could worsen while travelling?
You can complete the medical screening online when you get your quote. If you need help or the questions don’t quite fit your situation, call us for free.
Are you still covered if you have mobility issues?
We can cover pre-existing medical conditions, including mobility issues. Just declare them when you get your quote. We’ll find you the policy that’s right for you.
If a condition isn’t declared, we can’t cover claims related to it. To be safe, it’s best to declare all your medical conditions. We need the full picture to find the best policy for you.
You’ll need to declare any illness, injury, or condition for which in the last two years you have:
- Taken prescribed medication or have received treatment
- Been placed on a waiting list
Check the Policy Wording booklet to find exactly what we’ll cover. Still have questions? Call us for free. We’re happy to help.
Can you get travel cover if you’ve recently been hospitalised?
Yes, you can. Just declare it during your medical screening when you get your quote. We’ll ask about recent hospital stays. That way, we can tailor your policy to suit your needs.
A minor, well-managed condition may have little impact on your premium. A more serious condition that requires extra medications or a higher complication risk could increase costs. Either way, it’s important to declare your hospital stay, so we can find the right cover for you.
What happens if you don’t declare medical conditions?
A full and accurate picture of your health helps us find you the right policy. If you don’t declare all pre-existing medical conditions, you could be left out of pocket when making a claim.
You need to declare even common conditions like asthma or high blood pressure. However mild it seems, an undeclared condition could invalidate your policy. You won’t be able to claim for related hospital treatment or emergency travel home.
Healthcare costs can add up fast, especially in destinations like the USA. Declaring everything upfront means you can focus on enjoying your holiday.
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Affordable travel insurance for all your needs
2. Based on 528 customer responses as of March 2024.
3. Based on 2000+ Trustpilot responses, as of 12/05/2025.
* Discount applies to the base price only and does not apply to any premium generated to cover medical conditions or optional extras. This discount is automatically applied and cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between €0-49, 10% for €50-249, & 20% for €250+ apply. Offer ends at 23:59 on 30/09/25. T&C's apply.